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[taler-exchange] branch master updated: proper i18n support for TOS


From: gnunet
Subject: [taler-exchange] branch master updated: proper i18n support for TOS
Date: Fri, 07 Feb 2020 00:44:39 +0100

This is an automated email from the git hooks/post-receive script.

grothoff pushed a commit to branch master
in repository exchange.

The following commit(s) were added to refs/heads/master by this push:
     new eae85d62 proper i18n support for TOS
eae85d62 is described below

commit eae85d62c10907a71b9087866669a46907411023
Author: Christian Grothoff <address@hidden>
AuthorDate: Fri Feb 7 00:44:35 2020 +0100

    proper i18n support for TOS
---
 .gitignore                               |   1 +
 configure.ac                             |   3 +-
 contrib/Makefile.am                      |  34 +-
 contrib/tos/.gitignore                   |   3 +
 contrib/tos/Makefile                     | 109 +++++
 contrib/tos/Makefile.am                  |  11 -
 contrib/tos/README                       |  58 +++
 contrib/tos/conf.py                      | 282 +++++++++++++
 contrib/tos/en/0.docx                    | Bin 22460 -> 0 bytes
 contrib/tos/en/0.epub                    | Bin 0 -> 16631 bytes
 contrib/tos/en/0.html                    | 683 +++++++++++++++----------------
 contrib/tos/en/0.pdf                     | Bin 0 -> 99867 bytes
 contrib/tos/en/0.txt                     | 624 ++++++++++++++++------------
 contrib/tos/en/0.xml                     | 344 ++++++++++++++++
 contrib/tos/locale/de/LC_MESSAGES/tos.po | 514 +++++++++++++++++++++++
 contrib/tos/{en/0.txt => tos.rst}        |  75 ++--
 contrib/update-tos.sh                    |  28 ++
 17 files changed, 2108 insertions(+), 661 deletions(-)

diff --git a/.gitignore b/.gitignore
index 1ac50e36..60f14174 100644
--- a/.gitignore
+++ b/.gitignore
@@ -4,6 +4,7 @@
 *app.info
 *.gcno
 *.gcda
+*.mo
 .dirstamp
 doc/coverage/
 doc/taler-exchange.cps
diff --git a/configure.ac b/configure.ac
index 8e6b6f26..8b58bef0 100644
--- a/configure.ac
+++ b/configure.ac
@@ -475,9 +475,8 @@ AM_CONDITIONAL([HAVE_TWISTER], [false])
 AC_CONFIG_FILES([Makefile
                  contrib/Makefile
                  contrib/pp/Makefile
-                 contrib/tos/Makefile
                  doc/Makefile
-                doc/doxygen/Makefile
+                 doc/doxygen/Makefile
                  src/Makefile
                  src/auditor/Makefile
                  src/auditordb/Makefile
diff --git a/contrib/Makefile.am b/contrib/Makefile.am
index c38a1630..5a165d1f 100644
--- a/contrib/Makefile.am
+++ b/contrib/Makefile.am
@@ -1,4 +1,17 @@
-SUBDIRS = . tos pp
+SUBDIRS = . pp
+
+# English (en)
+tosendir=$(pkgdatadir)/tos/en
+
+# English (en)
+ppendir=$(pkgdatadir)/pp/en
+
+tosen_DATA = \
+  tos/en/0.txt \
+  tos/en/0.pdf \
+  tos/en/0.epub \
+  tos/en/0.xml \
+  tos/en/0.html
 
 bin_SCRIPTS = \
   taler-bank-manage-testing \
@@ -6,8 +19,27 @@ bin_SCRIPTS = \
 
 EXTRA_DIST = \
   $(bin_SCRIPTS) \
+  $(tosen_DATA) \
+  update-tos.sh \
+  tos/Makefile \
+  tos/README \
+  tos/tos.rst \
+  tos/conf.py \
+  tos/locale/de/LC_MESSAGES/tos.po \
   auditor-report.tex.j2 \
   coverage.sh \
   gnunet.tag \
   microhttpd.tag \
   render.py
+
+# Change the set of supported languages here. You should
+# also update tos'XX'data and EXTRA_DIST accordingly.
+TOS_LANGUAGES="en de"
+
+# Change the terms-of-service version (Etag) to generate here!
+# This value should be incremented whenever there is a substantive
+# change in the original text (but not for the translations).
+TOS_VERSION=0
+
+update-tos:
+       VERSION=$(TOS_VERSION) ./update-tos.sh $(TOS_LANGUAGES)
diff --git a/contrib/tos/.gitignore b/contrib/tos/.gitignore
new file mode 100644
index 00000000..fb83616e
--- /dev/null
+++ b/contrib/tos/.gitignore
@@ -0,0 +1,3 @@
+sphinx.err
+sphinx.log
+_build/
diff --git a/contrib/tos/Makefile b/contrib/tos/Makefile
new file mode 100644
index 00000000..ab29543c
--- /dev/null
+++ b/contrib/tos/Makefile
@@ -0,0 +1,109 @@
+# Makefile for Sphinx documentation
+#
+# You can set these variables from the command line.
+SPHINXOPTS    =
+SPHINXBUILD   = sphinx-build
+PAPER         =
+BUILDDIR      = _build
+
+# User-friendly check for sphinx-build
+ifeq ($(shell which $(SPHINXBUILD) >/dev/null 2>&1; echo $$?), 1)
+$(error The '$(SPHINXBUILD)' command was not found. Make sure you have Sphinx 
installed, then set the SPHINXBUILD environment variable to point to the full 
path of the '$(SPHINXBUILD)' executable. Alternatively you can add the 
directory with the executable to your PATH. If you don't have Sphinx installed, 
grab it from http://sphinx-doc.org/)
+endif
+
+# Internal variables.
+PAPEROPT_a4     = -D latex_paper_size=a4
+PAPEROPT_letter = -D latex_paper_size=letter
+ALLSPHINXOPTS   = -d $(BUILDDIR)/doctrees $(PAPEROPT_$(PAPER)) $(SPHINXOPTS) .
+# the i18n builder cannot share the environment and doctrees with the others
+I18NSPHINXOPTS  = $(PAPEROPT_$(PAPER)) $(SPHINXOPTS) .
+
+.PHONY: help clean html json epub latex latexpdf text man doctest gettext
+
+help:
+       @echo "Please use \`make <target>' where <target> is one of"
+       @echo "  html       to make a single large HTML file"
+       @echo "  json       to make JSON files"
+       @echo "  epub       to make an epub"
+       @echo "  latex      to make LaTeX files, you can set PAPER=a4 or 
PAPER=letter"
+       @echo "  pdf        to make LaTeX files and run them through pdflatex"
+       @echo "  txt        to make text files"
+       @echo "  man        to make manual pages"
+       @echo "  texinfo    to make Texinfo files"
+       @echo "  info       to make Texinfo files and run them through makeinfo"
+       @echo "  gettext    to make PO message catalogs"
+       @echo "  xml        to make Docutils-native XML files"
+       @echo "  pseudoxml  to make pseudoxml-XML files for display purposes"
+       @echo "  doctest    to run all doctests embedded in the documentation 
(if enabled)"
+
+clean:
+       rm -rf $(BUILDDIR)/*
+
+
+# The html-linked builder does not support caching, so we
+# remove all cached state first.
+html:
+       $(SPHINXBUILD) -b html $(ALLSPHINXOPTS) $(BUILDDIR)/html
+       @echo
+       @echo "Build finished. The HTML page is in $(BUILDDIR)/html."
+
+json:
+       $(SPHINXBUILD) -b json $(ALLSPHINXOPTS) $(BUILDDIR)/json
+       @echo
+       @echo "Build finished; now you can process the JSON files."
+
+epub:
+       $(SPHINXBUILD) -b epub $(ALLSPHINXOPTS) $(BUILDDIR)/epub
+       @echo
+       @echo "Build finished. The epub file is in $(BUILDDIR)/epub."
+
+latex:
+       $(SPHINXBUILD) -b latex $(ALLSPHINXOPTS) $(BUILDDIR)/latex
+       @echo
+       @echo "Build finished; the LaTeX files are in $(BUILDDIR)/latex."
+       @echo "Run \`make' in that directory to run these through (pdf)latex" \
+             "(use \`make latexpdf' here to do that automatically)."
+
+pdf:
+       $(SPHINXBUILD) -b latex $(ALLSPHINXOPTS) $(BUILDDIR)/pdf
+       @echo "Running LaTeX files through pdflatex..."
+       $(MAKE) -C $(BUILDDIR)/pdf all-pdf
+       @echo "pdflatex finished; the PDF files are in $(BUILDDIR)/pdf."
+
+txt:
+       $(SPHINXBUILD) -b text $(ALLSPHINXOPTS) $(BUILDDIR)/txt
+       @echo
+       @echo "Build finished. The text files are in $(BUILDDIR)/txt."
+
+man:
+       $(SPHINXBUILD) -b man $(ALLSPHINXOPTS) $(BUILDDIR)/man
+       @echo
+       @echo "Build finished. The manual pages are in $(BUILDDIR)/man."
+
+texinfo:
+       $(SPHINXBUILD) -b texinfo $(ALLSPHINXOPTS) $(BUILDDIR)/texinfo
+       @echo
+       @echo "Build finished. The Texinfo files are in $(BUILDDIR)/texinfo."
+       @echo "Run \`make' in that directory to run these through makeinfo" \
+             "(use \`make info' here to do that automatically)."
+
+info:
+       $(SPHINXBUILD) -b texinfo $(ALLSPHINXOPTS) $(BUILDDIR)/info
+       @echo "Running Texinfo files through makeinfo..."
+       make -C $(BUILDDIR)/texinfo info
+       @echo "makeinfo finished; the Info files are in $(BUILDDIR)/info."
+
+gettext:
+       $(SPHINXBUILD) -b gettext $(I18NSPHINXOPTS) $(BUILDDIR)/locale
+       @echo
+       @echo "Build finished. The message catalogs are in $(BUILDDIR)/locale."
+
+doctest:
+       $(SPHINXBUILD) -b doctest $(ALLSPHINXOPTS) $(BUILDDIR)/doctest
+       @echo "Testing of doctests in the sources finished, look at the " \
+             "results in $(BUILDDIR)/doctest/output.txt."
+
+xml:
+       $(SPHINXBUILD) -b xml $(ALLSPHINXOPTS) $(BUILDDIR)/xml
+       @echo
+       @echo "Build finished. The XML files are in $(BUILDDIR)/xml."
diff --git a/contrib/tos/Makefile.am b/contrib/tos/Makefile.am
deleted file mode 100644
index 1a86e408..00000000
--- a/contrib/tos/Makefile.am
+++ /dev/null
@@ -1,11 +0,0 @@
-
-# English (en)
-tosendir=$(pkgdatadir)/tos/en
-
-tosen_DATA = \
-  en/0.txt \
-  en/0.docx \
-  en/0.html
-
-EXTRA_DIST = \
-  $(tosen_DATA)
diff --git a/contrib/tos/README b/contrib/tos/README
new file mode 100644
index 00000000..fde5305b
--- /dev/null
+++ b/contrib/tos/README
@@ -0,0 +1,58 @@
+This directory contains the terms of service (template) for exchange
+operators.
+
+
+Dependencies
+============
+
+Generating new Terms of Service requires Sphinx, LaTeX with babel
+packages for all supported languages.  On Debian, you should
+at least install:
+
+$ apt install python3-sphinx sphinx-intl texlive-lang-german 
texlive-lang-english
+
+(NOTE: List may be incomplete.)
+
+
+Updating the Terms of Service
+=============================
+
+The master file with the Terms of service is 'tos.rst'.
+
+If you make substantial changes, you MUST change the "TOS_VERSION"
+in contrib/Makefile.am to the new Etag.
+
+To begin the translation into other languages after editing the master
+file, run
+
+$ make gettext
+
+to generate the master PO file. Then, run
+
+$ sphinx-intl update -p _build/locale/ -l de -l fr -l it
+
+to update the PO files for the various languages (extend the list of
+languages as necessary). The PO files for the translators are kept
+at locale/$LANG/LC_MESSAGES/tos.po for the language $LANG.
+
+Once all PO files have been updated with new translations, run
+
+$ make update-tos
+
+in the "contrib/" directory to generate all of the formats.  The
+respective make rule calls the '../update-tos.sh' script in the
+contrib/ directory, which calls the 'Makefile' in the tos/
+directory for the various supported languages and file formats
+and then moves the generated files to the target directory
+('contrib/tos/$LANG/$VERSION.$FORMAT')
+
+
+Adding a new language
+=====================
+
+To add a new language $LANG, add $LANG to "TOS_LANGUAGES" in
+'contrib/Makefile.am' and run
+
+$ sphinx-intl update -p _build/gettext -l $LANG
+
+to generate the PO template.
diff --git a/contrib/tos/conf.py b/contrib/tos/conf.py
new file mode 100644
index 00000000..29392556
--- /dev/null
+++ b/contrib/tos/conf.py
@@ -0,0 +1,282 @@
+"""
+  This file is part of GNU TALER.
+  Copyright (C) 2014-2020 Taler Systems SA
+
+  TALER is free software; you can redistribute it and/or modify it under the
+  terms of the GNU Lesser General Public License as published by the Free 
Software
+  Foundation; either version 2.1, or (at your option) any later version.
+
+  TALER is distributed in the hope that it will be useful, but WITHOUT ANY
+  WARRANTY; without even the implied warranty of MERCHANTABILITY or FITNESS FOR
+  A PARTICULAR PURPOSE.  See the GNU Lesser General Public License for more 
details.
+
+  You should have received a copy of the GNU Lesser General Public License 
along with
+  TALER; see the file COPYING.  If not, see <http://www.gnu.org/licenses/>
+
+  @author Florian Dold
+  @author Benedikt Muller
+  @author Sree Harsha Totakura
+  @author Marcello Stanisci
+"""
+# -*- coding: utf-8 -*-
+#
+# neuro documentation build configuration file, created by
+# sphinx-quickstart on Sat May 31 13:11:06 2014.
+#
+# This file is execfile()d with the current directory set to its
+# containing dir.
+#
+# Note that not all possible configuration values are present in this
+# autogenerated file.
+#
+# All configuration values have a default; values that are commented out
+# serve to show the default.
+
+import sys
+import os
+
+sys.path.append(os.path.abspath('_exts'))
+
+#import taler_sphinx_theme
+
+# If extensions (or modules to document with autodoc) are in another directory,
+# add these directories to sys.path here. If the directory is relative to the
+# documentation root, use os.path.abspath to make it absolute, like shown here.
+#sys.path.insert(0, os.path.abspath('.'))
+
+# -- General configuration ------------------------------------------------
+
+# If your documentation needs a minimal Sphinx version, state it here.
+needs_sphinx = '1.8.5'
+
+# Add any Sphinx extension module names here, as strings. They can be
+# extensions coming with Sphinx (named 'sphinx.ext.*') or your custom
+# ones.
+extensions = [
+    'sphinx.ext.todo',
+    'sphinx.ext.imgmath',
+]
+
+# Add any paths that contain templates here, relative to this directory.
+templates_path = ['_templates']
+
+source_suffix = {
+    '.rst': 'restructuredtext',
+}
+
+# The encoding of source files.
+#source_encoding = 'utf-8-sig'
+
+# The master toctree document.
+master_doc = 'tos'
+
+# General information about the project.
+project = u'tos'
+copyright = u'2014-2020 Taler Systems SA (GPLv3+ or GFDL 1.3+)'
+
+# The version info for the project you're documenting, acts as replacement for
+# |version| and |release|, also used in various other places throughout the
+# built documents.
+#
+# The short X.Y version.
+version = '0'
+# The full version, including alpha/beta/rc tags.
+release = '0'
+
+# The language for content autogenerated by Sphinx. Refer to documentation
+# for a list of supported languages.
+# language = "en de"
+
+# There are two options for replacing |today|: either, you set today to some
+# non-false value, then it is used:
+#today = ''
+# Else, today_fmt is used as the format for a strftime call.
+#today_fmt = '%B %d, %Y'
+
+# List of patterns, relative to source directory, that match files and
+# directories to ignore when looking for source files.
+exclude_patterns = ['_build', '_exts', 'cf', 'prebuilt']
+
+# The reST default role (used for this markup: `text`) to use for all
+# documents.
+# default_role = "ts:type"
+
+locale_dirs = ['locale/']
+gettext_compact = False
+
+# If true, '()' will be appended to :func: etc. cross-reference text.
+#add_function_parentheses = True
+
+# If true, the current module name will be prepended to all description
+# unit titles (such as .. function::).
+#add_module_names = True
+
+# If true, sectionauthor and moduleauthor directives will be shown in the
+# output. They are ignored by default.
+#show_authors = False
+
+# The name of the Pygments (syntax highlighting) style to use.
+pygments_style = 'sphinx'
+
+# A list of ignored prefixes for module index sorting.
+#modindex_common_prefix = []
+
+# If true, keep warnings as "system message" paragraphs in the built documents.
+#keep_warnings = False
+
+# -- Options for HTML output ----------------------------------------------
+
+# The theme to use for HTML and HTML Help pages.  See the documentation for
+# a list of builtin themes.
+html_theme = 'epub'
+
+#html_theme_path = taler_sphinx_theme.html_theme_path()
+
+#html_sidebars = {'**': ['logo-text.html', 'globaltoc.html', 'searchbox.html']}
+
+rst_epilog = ""
+
+html_show_sphinx = False
+
+html_theme_options = {
+    # Set the name of the project to appear in the sidebar
+    "relbar1": "false",
+    "footer": "false",
+}
+
+# Add any paths that contain custom themes here, relative to this directory.
+#html_theme_path = []
+
+# The name for this set of Sphinx documents.  If None, it defaults to
+# "<project> v<release> documentation".
+html_title = "Taler Terms of Service"
+
+# A shorter title for the navigation bar.  Default is the same as html_title.
+html_short_title = "Terms of Service"
+
+# The name of an image file (relative to this directory) to place at the top
+# of the sidebar.
+#html_logo = None
+
+# The name of an image file (within the static path) to use as favicon of the
+# docs.  This file should be a Windows icon file (.ico) being 16x16 or 32x32
+# pixels large.
+#html_favicon = None
+
+# Add any paths that contain custom static files (such as style sheets) here,
+# relative to this directory. They are copied after the builtin static files,
+# so a file named "default.css" will overwrite the builtin "default.css".
+# html_static_path = ['_static']
+
+# Add any extra paths that contain custom files (such as robots.txt or
+# .htaccess) here, relative to this directory. These files are copied
+# directly to the root of the documentation.
+#html_extra_path = []
+
+# If not '', a 'Last updated on:' timestamp is inserted at every page bottom,
+# using the given strftime format.
+#html_last_updated_fmt = '%b %d, %Y'
+
+# If true, SmartyPants will be used to convert quotes and dashes to
+# typographically correct entities.
+#html_use_smartypants = True
+
+# Custom sidebar templates, maps document names to template names.
+#html_sidebars = {}
+
+# Additional templates that should be rendered to pages, maps page names to
+# template names.
+#html_additional_pages = {}
+
+# If false, no module index is generated.
+#html_domain_indices = True
+
+# If false, no index is generated.
+#html_use_index = True
+
+# If true, the index is split into individual pages for each letter.
+#html_split_index = False
+
+# If true, links to the reST sources are added to the pages.
+#html_show_sourcelink = True
+
+# If true, "Created using Sphinx" is shown in the HTML footer. Default is True.
+html_show_sphinx = False
+
+# If true, "(C) Copyright ..." is shown in the HTML footer. Default is True.
+#html_show_copyright = True
+
+# If true, an OpenSearch description file will be output, and all pages will
+# contain a <link> tag referring to it.  The value of this option must be the
+# base URL from which the finished HTML is served.
+#html_use_opensearch = ''
+
+# This is the file name suffix for HTML files (e.g. ".xhtml").
+#html_file_suffix = None
+
+# -- Options for LaTeX output ---------------------------------------------
+
+latex_elements = {
+    # The paper size ('letterpaper' or 'a4paper').
+    #'papersize': 'letterpaper',
+
+    # The font size ('10pt', '11pt' or '12pt').
+    #'pointsize': '10pt',
+
+    # Additional stuff for the LaTeX preamble.
+    #'preamble': '',
+}
+
+# Grouping the document tree into LaTeX files. List of tuples
+# (source start file, target name, title,
+#  author, documentclass [howto, manual, or own class]).
+latex_documents = [
+    ('tos', 'tos.tex',
+     'Terms of Service', 'GNU Taler team', 'manual'),
+]
+
+# The name of an image file (relative to this directory) to place at the top of
+# the title page.
+#latex_logo = None
+
+# For "manual" documents, if this is true, then toplevel headings are parts,
+# not chapters.
+#latex_use_parts = False
+
+# If true, show page references after internal links.
+#latex_show_pagerefs = False
+
+# If true, show URL addresses after external links.
+#latex_show_urls = False
+
+# Documents to append as an appendix to all manuals.
+# latex_appendices = ["fdl-1.3"]
+
+# If false, no module index is generated.
+#latex_domain_indices = True
+
+# -- Options for manual page output ---------------------------------------
+
+# If true, show URL addresses after external links.
+#man_show_urls = False
+
+# -- Options for Texinfo output -------------------------------------------
+
+# Documents to append as an appendix to all manuals.
+#texinfo_appendices = []
+
+# If false, no module index is generated.
+#texinfo_domain_indices = True
+
+# How to display URL addresses: 'footnote', 'no', or 'inline'.
+#texinfo_show_urls = 'footnote'
+
+# If true, do not generate a @detailmenu in the "Top" node's menu.
+#texinfo_no_detailmenu = False
+
+
+# -- Options for epub output  ----------------------------
+
+epub_basename = "tos"
+
+epub_title = "Terms of Service"
diff --git a/contrib/tos/en/0.docx b/contrib/tos/en/0.docx
deleted file mode 100644
index 31c7022d..00000000
Binary files a/contrib/tos/en/0.docx and /dev/null differ
diff --git a/contrib/tos/en/0.epub b/contrib/tos/en/0.epub
new file mode 100644
index 00000000..a6c7860b
Binary files /dev/null and b/contrib/tos/en/0.epub differ
diff --git a/contrib/tos/en/0.html b/contrib/tos/en/0.html
index ea81db07..2c8000c3 100644
--- a/contrib/tos/en/0.html
+++ b/contrib/tos/en/0.html
@@ -1,364 +1,337 @@
-<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN">
-<html>
-<head>
-       <meta http-equiv="content-type" content="text/html; charset=utf-8"/>
-       <title></title>
-       <meta name="author" content="Michael Widmer"/>
-       <meta name="created" content="2019-12-01T07:06:00"/>
-       <meta name="changed" content="2019-12-04T00:01:19.809905379"/>
-</head>
-<body lang="en">
-<h1>Terms Of Service - Last Updated: 12.4.2019</h1>
 
-<p>
- Welcome!  Taler Systems SA (“we,” “our,” or “us”) provides a payment service
+
+<html xmlns="http://www.w3.org/1999/xhtml"; lang="en">
+  <head>
+    <meta http-equiv="X-UA-Compatible" content="IE=Edge" />
+    <meta http-equiv="Content-Type" content="text/html; charset=utf-8" />
+    <title>Terms Of Service &#8212; Taler Terms of Service</title>
+    <link rel="stylesheet" href="_static/epub.css" type="text/css" />
+    <link rel="stylesheet" href="_static/pygments.css" type="text/css" />
+    <script type="text/javascript" id="documentation_options" 
data-url_root="./" src="_static/documentation_options.js"></script>
+    <script type="text/javascript" src="_static/jquery.js"></script>
+    <script type="text/javascript" src="_static/underscore.js"></script>
+    <script type="text/javascript" src="_static/doctools.js"></script>
+    <script type="text/javascript" src="_static/language_data.js"></script> 
+  </head><body>
+
+    <div class="document">
+      <div class="documentwrapper">
+        <div class="bodywrapper">
+          <div class="body" role="main">
+            
+  <div class="section" id="terms-of-service">
+<h1>Terms Of Service<a class="headerlink" href="#terms-of-service" 
title="Permalink to this headline">¶</a></h1>
+<p>Last Updated: 12.4.2019</p>
+<p>Welcome! Taler Systems SA (“we,” “our,” or “us”) provides a payment service
 through our Internet presence (collectively the “Services”). Before using our
 Services, please read the Terms of Service (the “Terms” or the “Agreement”)
-carefully.
-</p>
-<h2>Overview</h2>
-<p>
-  This
-section provides a brief summary of the highlights of this Agreement.
-Please note that when you accept this Agreement, you are accepting
-all of the terms and conditions and not just this section. We and
-possibly other third parties provide Internet services which interact
-with the Taler Wallet’s self-hosted personal payment application.
-When using the Taler Wallet to interact with our Services, you are
-agreeing to our Terms, so please read carefully.
-</p>
-<p>Highlights:
-<ul>
-       <li>You
-       are responsible for keeping the data in your Taler Wallet at all
-       times under your control. Any losses arising from you not being in
-       control of your private information are your problem.
-       <li>We
-       will try to transfer funds we hold in escrow for our users to any
-       legal recipient to the best of our ability within the limitations of
-       the law and our implementation. However, the Services offered today
-       are highly experimental and the set of recipients of funds is
-       severely restricted.
-       <li>For
-       our Services, we may charge transaction fees. The specific fee
-       structure is provided based on the Taler protocol and should be
-       shown to you when you withdraw electronic coins using a Taler
-       Wallet. You agree and understand that the Taler protocol allows for
-       the fee structure to change.
-       <li>You
-       agree to not intentionally overwhelm our systems with requests and
-       follow responsible disclosure if you find security issues in our
-       services.
-       <li>We
-       cannot be held accountable for our Services not being available due
-       to circumstances beyond our control. If we modify or terminate our
-       services, we will try to give you the opportunity to recover your
-       funds. However, given the experimental state of the Services today,
-       this may not be possible. You are strongly advised to limit your use
-       of the Service to small-scale experiments expecting total loss of
-       all funds.
-</ul></p>
-<p>These
-terms outline approved uses of our Services. The Services and these
-Terms are still at an experimental stage. If you have any questions
-or comments related to this Agreement, please send us a message to
-address@hidden. If you do not agree to this Agreement, you
-must not use our Services.
-</p>
-<h2>How you accept this policy</h2>
-<p>By
-sending funds to us (to top-up your Taler Wallet), you acknowledge
-that you have read, understood, and agreed to these Terms. We reserve
-the right to change these Terms at any time. If you disagree with the
-change, we may in the future offer you with an easy option to recover
-your unspent funds. However, in the current experimental period you
-acknowledge that this feature is not yet available, resulting in your
-funds being lost unless you accept the new Terms. If you continue to
-use our Services other than to recover your unspent funds, your
-continued use of our Services following any such change will signify
-your acceptance to be bound by the then current Terms. Please check
-the effective date above to determine if there have been any changes
-since you have last reviewed these Terms.</p>
-<h2>Services</h2>
-<p>We
-will try to transfer funds that we hold in escrow for our users to
-any legal recipient to the best of our ability and within the
-limitations of the law and our implementation. However, the Services
-offered today are highly experimental and the set of recipients of
-funds is severely restricted.</p>
-<p>The
-Taler Wallet can be loaded by exchanging fiat currencies against
-electronic coins. We are providing this exchange service. Once your
-Taler Wallet is loaded with electronic coins they can be spent for
-purchases if the seller is accepting Taler as a means of payment. We
-are not guaranteeing that any seller is accepting Taler at all or a
-particular seller.</p>
-<p>The
-seller or recipient of deposits of electronic coins must specify the
-target account, as per the design of the Taler protocol. They are
-responsible for following the protocol and specifying the correct
-bank account, and are solely liable for any losses that may arise
-from specifying the wrong account. We will allow the government to
-link wire transfers to the underlying contract hash. It is the
-responsibility of recipients to preserve the full contracts and to
-pay whatever taxes and charges may be applicable. Technical issues
-may lead to situations where we are unable to make transfers at all
-or lead to incorrect transfers that cannot be reversed. We will only
-refuse to execute transfers if the transfers are prohibited by a
-competent legal authority and we are ordered to do so.</p>
-<p lang="en" class="western" style="margin-bottom: 0.19in; line-height: 100%">
-<br/>
-<br/>
-
-</p>
-<h2>FEES</h2>
-<p>You
-agree to pay the fees for exchanges and withdrawals completed via the
-Taler Wallet (&quot;Fees&quot;) as defined by us, which we may change
-from time to time. With the exception of wire transfer fees, Taler
-transaction fees are set for any electronic coin at the time of
-withdrawal and fixed throughout the validity period of the respective
-electronic coin. Your wallet should obtain and display applicable
-fees when withdrawing funds. Fees for coins obtained as change may
-differ from the fees applicable to the original coin. Wire transfer
-fees that are independent from electronic coins may change annually.
-</p>
-<p>You
-authorize us to charge or deduct applicable fees owed in connection
-with deposits, exchanges and withdrawals following the rules of the
-Taler protocol.</p>
-<p>We
-reserve the right to provide different types of rewards to users
-either in the form of discount for our Services or in any other form
-at our discretion and without prior notice to you.</p>
-<h2>ELIGIBILITY</h2>
-<p>To
-be eligible to use our Services, you must be able to form legally
-binding contracts or have the permission of your legal guardian. By
-using our Services, you represent and warrant that you meet all
-eligibility requirements that we outline in these Terms.
-</p>
-<p>FINANCIAL SELF-RESPONSIBILITY</p>
-<p>You
-will be responsible for maintaining the availability, integrity and
-confidentiality of the data stored in your wallet. When you setup a
-Taler Wallet, you are strongly advised to follow the precautionary
-measures offered by the software to minimize the chances to losse
-access to or control over your Wallet data. We will not be liable for
-any loss or damage arising from your failure to comply with this
-paragraph.
-</p>
-<h2>COPYRIGHTS and TRADEMARKS</h2>
-<p>The
-Taler Wallet is released under the terms of the GNU General Public
-License (GNU GPL). You have the right to access, use, and share the
-Taler Wallet, in modified or unmodified form. However, the GPL is a
-strong copyleft license, which means that any derivative works must
-be distributed under the same license terms as the original software.
-If you have any questions, you should review the GNU GPL’s full
-terms and conditions at https://www.gnu.org/licenses/gpl-3.0.en.html.
-</p>
-<p>"Taler"
-itself is a trademark of Taler Systems SA. You are welcome to use the
-name in relation to processing payments using the Taler protocol,
-assuming your use is compatible with an official release from the GNU
-  Project that is not older than two years.
-</p>
-<h2>YOUR USE OF OUR SERVICES</h2>
-<p>When
-using our Services, you agree to not take any action that
-intentionally imposes an unreasonable load on our infrastructure. If
-you find security problems in our Services, you agree to first report
-them to <a href="mailto:address@hidden";>address@hidden</a>
-and grant us the right to publish your report. We warrant that we
-will ourselves publicly disclose any issues reported within 3 months,
-and that we will not prosecute anyone reporting security issues if
-they did not exploit the issue beyond a proof-of-concept, and
-followed the above responsible disclosure practice.</p>
-<h2>LIMITATION OF LIABILITY &amp; DISCLAIMER OF WARRANTIES</h2>
-<p>You
-understand and agree that we have no control over, and no duty to
-take any action regarding: Failures, disruptions, errors, or delays
-in processing that you may experience while using our Services; The
-risk of failure of hardware, software, and Internet connections; The
-risk of malicious software being introduced or found in the software
-underlying the Taler Wallet; The risk that third parties may obtain
-unauthorized access to information stored within your Taler Wallet,
-including, but not limited to your Taler Wallet coins or backup
-encryption keys.
-</p>
-<p>You
-release us from all liability related to any losses, damages, or
-claims arising from:
-  <ol>
-    <li>user error such as forgotten passwords, incorrectly constructed
+carefully.</p>
+<div class="section" id="overview">
+<h2>Overview<a class="headerlink" href="#overview" title="Permalink to this 
headline">¶</a></h2>
+<p>This section provides a brief summary of the highlights of this
+Agreement. Please note that when you accept this Agreement, you are accepting
+all of the terms and conditions and not just this section. We and possibly
+other third parties provide Internet services which interact with the Taler
+Wallet’s self-hosted personal payment application. When using the Taler Wallet
+to interact with our Services, you are agreeing to our Terms, so please read
+carefully.</p>
+<div class="section" id="highlights">
+<h3>Highlights:<a class="headerlink" href="#highlights" title="Permalink to 
this headline">¶</a></h3>
+<blockquote>
+<div><ul class="simple">
+<li>You are responsible for keeping the data in your Taler Wallet at all times
+under your control. Any losses arising from you not being in control of
+your private information are your problem.</li>
+<li>We will try to transfer funds we hold in escrow for our users to any legal
+recipient to the best of our ability within the limitations of the law and
+our implementation. However, the Services offered today are highly
+experimental and the set of recipients of funds is severely restricted.</li>
+<li>For our Services, we may charge transaction fees. The specific fee 
structure
+is provided based on the Taler protocol and should be shown to you when you
+withdraw electronic coins using a Taler Wallet. You agree and understand
+that the Taler protocol allows for the fee structure to change.</li>
+<li>You agree to not intentionally overwhelm our systems with requests and
+follow responsible disclosure if you find security issues in our services.</li>
+<li>We cannot be held accountable for our Services not being available due to
+circumstances beyond our control. If we modify or terminate our services,
+we will try to give you the opportunity to recover your funds. However,
+given the experimental state of the Services today, this may not be
+possible. You are strongly advised to limit your use of the Service
+to small-scale experiments expecting total loss of all funds.</li>
+</ul>
+</div></blockquote>
+<p>These terms outline approved uses of our Services. The Services and these
+Terms are still at an experimental stage. If you have any questions or
+comments related to this Agreement, please send us a message to
+<a class="reference external" 
href="mailto:legal&#37;&#52;&#48;taler-systems&#46;com";>legal<span>&#64;</span>taler-systems<span>&#46;</span>com</a>.
 If you do not agree to this Agreement, you must not
+use our Services.</p>
+</div>
+</div>
+<div class="section" id="how-you-accept-this-policy">
+<h2>How you accept this policy<a class="headerlink" 
href="#how-you-accept-this-policy" title="Permalink to this headline">¶</a></h2>
+<p>By sending funds to us (to top-up your Taler Wallet), you acknowledge that 
you
+have read, understood, and agreed to these Terms. We reserve the right to
+change these Terms at any time. If you disagree with the change, we may in the
+future offer you with an easy option to recover your unspent funds. However,
+in the current experimental period you acknowledge that this feature is not
+yet available, resulting in your funds being lost unless you accept the new
+Terms. If you continue to use our Services other than to recover your unspent
+funds, your continued use of our Services following any such change will
+signify your acceptance to be bound by the then current Terms. Please check
+the effective date above to determine if there have been any changes since you
+have last reviewed these Terms.</p>
+</div>
+<div class="section" id="services">
+<h2>Services<a class="headerlink" href="#services" title="Permalink to this 
headline">¶</a></h2>
+<p>We will try to transfer funds that we hold in escrow for our users to any
+legal recipient to the best of our ability and within the limitations of the
+law and our implementation. However, the Services offered today are highly
+experimental and the set of recipients of funds is severely restricted.  The
+Taler Wallet can be loaded by exchanging fiat currencies against electronic
+coins. We are providing this exchange service. Once your Taler Wallet is
+loaded with electronic coins they can be spent for purchases if the seller is
+accepting Taler as a means of payment. We are not guaranteeing that any seller
+is accepting Taler at all or a particular seller.  The seller or recipient of
+deposits of electronic coins must specify the target account, as per the
+design of the Taler protocol. They are responsible for following the protocol
+and specifying the correct bank account, and are solely liable for any losses
+that may arise from specifying the wrong account. We will allow the government
+to link wire transfers to the underlying contract hash. It is the
+responsibility of recipients to preserve the full contracts and to pay
+whatever taxes and charges may be applicable. Technical issues may lead to
+situations where we are unable to make transfers at all or lead to incorrect
+transfers that cannot be reversed. We will only refuse to execute transfers if
+the transfers are prohibited by a competent legal authority and we are ordered
+to do so.</p>
+</div>
+<div class="section" id="fees">
+<h2>Fees<a class="headerlink" href="#fees" title="Permalink to this 
headline">¶</a></h2>
+<p>You agree to pay the fees for exchanges and withdrawals completed via the
+Taler Wallet (“Fees”) as defined by us, which we may change from time to
+time. With the exception of wire transfer fees, Taler transaction fees are set
+for any electronic coin at the time of withdrawal and fixed throughout the
+validity period of the respective electronic coin. Your wallet should obtain
+and display applicable fees when withdrawing funds. Fees for coins obtained as
+change may differ from the fees applicable to the original coin. Wire transfer
+fees that are independent from electronic coins may change annually.  You
+authorize us to charge or deduct applicable fees owed in connection with
+deposits, exchanges and withdrawals following the rules of the Taler protocol.
+We reserve the right to provide different types of rewards to users either in
+the form of discount for our Services or in any other form at our discretion
+and without prior notice to you.</p>
+</div>
+<div class="section" id="eligibility">
+<h2>Eligibility<a class="headerlink" href="#eligibility" title="Permalink to 
this headline">¶</a></h2>
+<p>To be eligible to use our Services, you must be able to form legally binding
+contracts or have the permission of your legal guardian. By using our
+Services, you represent and warrant that you meet all eligibility requirements
+that we outline in these Terms.</p>
+</div>
+<div class="section" id="financial-self-responsibility">
+<h2>Financial self-responsibility<a class="headerlink" 
href="#financial-self-responsibility" title="Permalink to this 
headline">¶</a></h2>
+<p>You will be responsible for maintaining the availability, integrity and
+confidentiality of the data stored in your wallet. When you setup a Taler
+Wallet, you are strongly advised to follow the precautionary measures offered
+by the software to minimize the chances to losse access to or control over
+your Wallet data. We will not be liable for any loss or damage arising from
+your failure to comply with this paragraph.</p>
+</div>
+<div class="section" id="copyrights-and-trademarks">
+<h2>Copyrights and trademarks<a class="headerlink" 
href="#copyrights-and-trademarks" title="Permalink to this headline">¶</a></h2>
+<p>The Taler Wallet is released under the terms of the GNU General Public 
License
+(GNU GPL). You have the right to access, use, and share the Taler Wallet, in
+modified or unmodified form. However, the GPL is a strong copyleft license,
+which means that any derivative works must be distributed under the same
+license terms as the original software. If you have any questions, you should
+review the GNU GPL’s full terms and conditions at
+<a class="reference external" 
href="https://www.gnu.org/licenses/gpl-3.0.en.html";>https://www.gnu.org/licenses/gpl-3.0.en.html</a>.
  “Taler” itself is a trademark
+of Taler Systems SA. You are welcome to use the name in relation to processing
+payments using the Taler protocol, assuming your use is compatible with an
+official release from the GNU Project that is not older than two years.</p>
+</div>
+<div class="section" id="your-use-of-our-services">
+<h2>Your use of our services<a class="headerlink" 
href="#your-use-of-our-services" title="Permalink to this headline">¶</a></h2>
+<p>When using our Services, you agree to not take any action that intentionally
+imposes an unreasonable load on our infrastructure. If you find security
+problems in our Services, you agree to first report them to
+<a class="reference external" 
href="mailto:security&#37;&#52;&#48;taler-systems&#46;com";>security<span>&#64;</span>taler-systems<span>&#46;</span>com</a>
 and grant us the right to publish your report. We
+warrant that we will ourselves publicly disclose any issues reported within 3
+months, and that we will not prosecute anyone reporting security issues if
+they did not exploit the issue beyond a proof-of-concept, and followed the
+above responsible disclosure practice.</p>
+</div>
+<div class="section" id="limitation-of-liability-disclaimer-of-warranties">
+<h2>Limitation of liability &amp; disclaimer of warranties<a 
class="headerlink" href="#limitation-of-liability-disclaimer-of-warranties" 
title="Permalink to this headline">¶</a></h2>
+<p>You understand and agree that we have no control over, and no duty to take 
any
+action regarding: Failures, disruptions, errors, or delays in processing that
+you may experience while using our Services; The risk of failure of hardware,
+software, and Internet connections; The risk of malicious software being
+introduced or found in the software underlying the Taler Wallet; The risk that
+third parties may obtain unauthorized access to information stored within your
+Taler Wallet, including, but not limited to your Taler Wallet coins or backup
+encryption keys.  You release us from all liability related to any losses,
+damages, or claims arising from:</p>
+<ol class="loweralpha simple">
+<li>user error such as forgotten passwords, incorrectly constructed
 transactions;</li>
-    <li>server failure or data loss;</li>
-    <li>unauthorized access to the Taler Wallet application;</li>
-    <li>bugs or other errors in the Taler Wallet software; and</li>
-    <li>any unauthorized third party activities, including, but not limited
-to, the use of viruses, phishing, brute forcing, or other means of
-attack against the Taler Wallet. We make no representations
-concerning any Third Party Content contained in or accessed through
-      our Services.</li>
-  </ol>
-</p>
-Any
-other terms, conditions, warranties, or representations associated
-with such content, are solely between you and such organizations
-and/or individuals.
-</p>
-<h2>LIMITATION OF LIABILITY</h2>
-</p>
-<p>To
-the fullest extent permitted by applicable law, in no event will we
-or any of our officers, directors, representatives, agents, servants,
-counsel, employees, consultants, lawyers, and other personnel
-authorized to act, acting, or purporting to act on our behalf
-(collectively the “Taler Parties”) be liable to you under
-contract, tort, strict liability, negligence, or any other legal or
-  equitable theory, for:
-  <ol>
-    <li>
-any lost profits, data loss, cost of procurement of substitute goods
-or services, or direct, indirect, incidental, special, punitive,
-compensatory, or consequential damages of any kind whatsoever
-resulting from:
-<ol>
-  <li>
-    your use of, or conduct in connection with, our services;</li>
-  <li>
-any unauthorized use of your wallet and/or private key due to your
+<li>server failure or data loss;</li>
+<li>unauthorized access to the Taler Wallet application;</li>
+<li>bugs or other errors in the Taler Wallet software; and</li>
+<li>any unauthorized third party activities, including, but not limited to,
+the use of viruses, phishing, brute forcing, or other means of attack
+against the Taler Wallet. We make no representations concerning any
+Third Party Content contained in or accessed through our Services.</li>
+</ol>
+<p>Any other terms, conditions, warranties, or representations associated with
+such content, are solely between you and such organizations and/or
+individuals.</p>
+</div>
+<div class="section" id="limitation-of-liability">
+<h2>Limitation of liability<a class="headerlink" 
href="#limitation-of-liability" title="Permalink to this headline">¶</a></h2>
+<p>To the fullest extent permitted by applicable law, in no event will we or 
any
+of our officers, directors, representatives, agents, servants, counsel,
+employees, consultants, lawyers, and other personnel authorized to act,
+acting, or purporting to act on our behalf (collectively the “Taler Parties”)
+be liable to you under contract, tort, strict liability, negligence, or any
+other legal or equitable theory, for:</p>
+<ol class="loweralpha simple">
+<li>any lost profits, data loss, cost of procurement of substitute goods or
+services, or direct, indirect, incidental, special, punitive, compensatory,
+or consequential damages of any kind whatsoever resulting from:</li>
+</ol>
+<blockquote>
+<div><ol class="lowerroman simple">
+<li>your use of, or conduct in connection with, our services;</li>
+<li>any unauthorized use of your wallet and/or private key due to your
 failure to maintain the confidentiality of your wallet;</li>
-  <li>any interruption or cessation of transmission to or from the
-    services; or</li>
-  <li>any bugs, viruses, trojan horses, or the like that are found in the
-Taler Wallet software or that may be transmitted to or through our
-services by any third party (regardless of the source of
-    origination)</li>
+<li>any interruption or cessation of transmission to or from the services; 
or</li>
+<li>any bugs, viruses, trojan horses, or the like that are found in the Taler
+Wallet software or that may be transmitted to or through our services by
+any third party (regardless of the source of origination), or</li>
 </ol>
-    <li>or any direct damages.</li>
+</div></blockquote>
+<ol class="loweralpha simple" start="2">
+<li>any direct damages.</li>
 </ol>
-</p>
-<p>These
-limitations apply regardless of legal theory, whether based on tort,
-strict liability, breach of contract, breach of warranty, or any
-other legal theory, and whether or not we were advised of the
-possibility of such damages. Some jurisdictions do not allow the
-exclusion or limitation of liability for consequential or incidental
-damages, so the above limitation may not apply to you.
-</p>
-<h2>WARRANTY DISCLAIMER</h2>
-<p>Our
-services are provided &quot;as is&quot; and without warranty of any
-kind. To the maximum extent permitted by law, we disclaim all
-representations and warranties, express or implied, relating to the
-services and underlying software or any content on the services,
-whether provided or owned by us or by any third party, including
-without limitation, warranties of merchantability, fitness for a
-particular purpose, title, non-infringement, freedom from computer
-virus, and any implied warranties arising from course of dealing,
+<p>These limitations apply regardless of legal theory, whether based on tort,
+strict liability, breach of contract, breach of warranty, or any other legal
+theory, and whether or not we were advised of the possibility of such
+damages. Some jurisdictions do not allow the exclusion or limitation of
+liability for consequential or incidental damages, so the above limitation may
+not apply to you.</p>
+</div>
+<div class="section" id="warranty-disclaimer">
+<h2>Warranty disclaimer<a class="headerlink" href="#warranty-disclaimer" 
title="Permalink to this headline">¶</a></h2>
+<p>Our services are provided “as is” and without warranty of any kind. To the
+maximum extent permitted by law, we disclaim all representations and
+warranties, express or implied, relating to the services and underlying
+software or any content on the services, whether provided or owned by us or by
+any third party, including without limitation, warranties of merchantability,
+fitness for a particular purpose, title, non-infringement, freedom from
+computer virus, and any implied warranties arising from course of dealing,
 course of performance, or usage in trade, all of which are expressly
-disclaimed. In addition, we do not represent or warrant that the
-content accessible via the services is accurate, complete, available,
-current, free of viruses or other harmful components, or that the
-results of using the services will meet your requirements. Some
-states do not allow the disclaimer of implied warranties, so the
-foregoing disclaimers may not apply to you. This paragraph gives you
-specific legal rights and you may also have other legal rights that
-vary from state to state.
-</p>
-
-<h2>INDEMNITY</h2>
-<p>To
-the extent permitted by applicable law, you agree to defend,
-indemnify, and hold harmless the Taler Parties from and against any
-and all claims, damages, obligations, losses, liabilities, costs or
-debt, and expenses (including, but not limited to, attorney’s fees)
-arising from: (a) your use of and access to the Services; (b) any
-feedback or submissions you provide to us concerning the Taler
-Wallet; (c) your violation of any term of this Agreement; or (d) your
-violation of any law, rule, or regulation, or the rights of any third
-party.
-</p>
-<h2>TIME LIMITATION ON CLAIMS</h2>
-<p>You
-agree that any claim you may have arising out of or related to your
-relationship with us must be filed within one year after such claim
-arises, otherwise, your claim in permanently barred.
-</p>
-<h2>GOVERNING LAW</h2>
-<p>No
-matter where you’re located, the laws of Switzerland will govern
-these Terms. If any provisions of these Terms are inconsistent with
-any applicable law, those provisions will be superseded or modified
-only to the extent such provisions are inconsistent. The parties
-agree to submit to the ordinary courts in Zurich, Switzerland for
-exclusive jurisdiction of any dispute arising out of or related to
-your use of the Services or your breach of these Terms.
-</p>
-<h2>TERMINATION</h2>
-<p>
-the event of termination concerning your use of our Services, your
-obligations under this Agreement will still continue.
-</p>
-<h2>DISCONTINUANCE OF SERVICES</h2>
-<p>We
-may, in our sole discretion and without cost to you, with or without
-prior notice, and at any time, modify or discontinue, temporarily or
-permanently, any portion of our Services. We will use the Taler
-protocol’s provisions to notify Wallets if our Services are to be
-discontinued. It is your responsibility to ensure that the Taler
-Wallet is online at least once every three months to observe these
-notifications. We shall not be held responsible or liable for any
-loss of funds in the event that we discontinue or depreciate the
-Services and your Taler Wallet fails to transfer out the coins within
-  a three months notification period.
-</p>
-<h2>NO WAIVER</h2>
-<p>Our
-failure to exercise or delay in exercising any right, power, or
-privilege under this Agreement shall not operate as a waiver; nor
-shall any single or partial exercise of any right, power, or
-privilege preclude any other or further exercise thereof.
-</p>
-<h2>SEVERABILITY</h2>
-<p>If
-it turns out that any part of this Agreement is invalid, void, or for
-any reason unenforceable, that term will be deemed severable and
-limited or eliminated to the minimum extent necessary.
-</p>
-<h2>FORCE MAJEURE</h2>
-<p>We
-shall not be held liable for any delays, failure in performance, or
-interruptions of service which result directly or indirectly from any
-cause or condition beyond our reasonable control, including but not
-limited to: any delay or failure due to any act of God, act of civil
-or military authorities, act of terrorism, civil disturbance, war,
-strike or other labor dispute, fire, interruption in
-telecommunications or Internet services or network provider services,
-failure of equipment and/or software, other catastrophe, or any other
-occurrence which is beyond our reasonable control and shall not
-affect the validity and enforceability of any remaining provisions.
-</p>
-<h2>ASSIGNMENT</h2>
-<p>You
-agree that we may assign any of our rights and/or transfer,
-sub-contract, or delegate any of our obligations under these Terms.
-</p>
-<h2>ENTIRE AGREEMENT</h2>
-<p>This
-Agreement sets forth the entire understanding and agreement as to the
+disclaimed. In addition, we do not represent or warrant that the content
+accessible via the services is accurate, complete, available, current, free of
+viruses or other harmful components, or that the results of using the services
+will meet your requirements. Some states do not allow the disclaimer of
+implied warranties, so the foregoing disclaimers may not apply to you. This
+paragraph gives you specific legal rights and you may also have other legal
+rights that vary from state to state.</p>
+</div>
+<div class="section" id="indemntiy">
+<h2>Indemntiy<a class="headerlink" href="#indemntiy" title="Permalink to this 
headline">¶</a></h2>
+<p>To the extent permitted by applicable law, you agree to defend, indemnify, 
and
+hold harmless the Taler Parties from and against any and all claims, damages,
+obligations, losses, liabilities, costs or debt, and expenses (including, but
+not limited to, attorney’s fees) arising from: (a) your use of and access to
+the Services; (b) any feedback or submissions you provide to us concerning the
+Taler Wallet; (c) your violation of any term of this Agreement; or (d) your
+violation of any law, rule, or regulation, or the rights of any third 
party.</p>
+</div>
+<div class="section" id="time-limitation-on-claims">
+<h2>Time limitation on claims<a class="headerlink" 
href="#time-limitation-on-claims" title="Permalink to this headline">¶</a></h2>
+<p>You agree that any claim you may have arising out of or related to your
+relationship with us must be filed within one year after such claim arises,
+otherwise, your claim in permanently barred.</p>
+</div>
+<div class="section" id="governing-law">
+<h2>Governing law<a class="headerlink" href="#governing-law" title="Permalink 
to this headline">¶</a></h2>
+<p>No matter where you’re located, the laws of Switzerland will govern these
+Terms. If any provisions of these Terms are inconsistent with any applicable
+law, those provisions will be superseded or modified only to the extent such
+provisions are inconsistent. The parties agree to submit to the ordinary
+courts in Zurich, Switzerland for exclusive jurisdiction of any dispute
+arising out of or related to your use of the Services or your breach of these
+Terms.</p>
+</div>
+<div class="section" id="termination">
+<h2>Termination<a class="headerlink" href="#termination" title="Permalink to 
this headline">¶</a></h2>
+<p>In the event of termination concerning your use of our Services, your
+obligations under this Agreement will still continue.</p>
+</div>
+<div class="section" id="discontinuance-of-services">
+<h2>Discontinuance of services<a class="headerlink" 
href="#discontinuance-of-services" title="Permalink to this headline">¶</a></h2>
+<p>We may, in our sole discretion and without cost to you, with or without 
prior
+notice, and at any time, modify or discontinue, temporarily or permanently,
+any portion of our Services. We will use the Taler protocol’s provisions to
+notify Wallets if our Services are to be discontinued. It is your
+responsibility to ensure that the Taler Wallet is online at least once every
+three months to observe these notifications. We shall not be held responsible
+or liable for any loss of funds in the event that we discontinue or depreciate
+the Services and your Taler Wallet fails to transfer out the coins within a
+three months notification period.</p>
+</div>
+<div class="section" id="no-waiver">
+<h2>No waiver<a class="headerlink" href="#no-waiver" title="Permalink to this 
headline">¶</a></h2>
+<p>Our failure to exercise or delay in exercising any right, power, or 
privilege
+under this Agreement shall not operate as a waiver; nor shall any single or
+partial exercise of any right, power, or privilege preclude any other or
+further exercise thereof.</p>
+</div>
+<div class="section" id="severability">
+<h2>Severability<a class="headerlink" href="#severability" title="Permalink to 
this headline">¶</a></h2>
+<p>If it turns out that any part of this Agreement is invalid, void, or for any
+reason unenforceable, that term will be deemed severable and limited or
+eliminated to the minimum extent necessary.</p>
+</div>
+<div class="section" id="force-majeure">
+<h2>Force majeure<a class="headerlink" href="#force-majeure" title="Permalink 
to this headline">¶</a></h2>
+<p>We shall not be held liable for any delays, failure in performance, or
+interruptions of service which result directly or indirectly from any cause or
+condition beyond our reasonable control, including but not limited to: any
+delay or failure due to any act of God, act of civil or military authorities,
+act of terrorism, civil disturbance, war, strike or other labor dispute, fire,
+interruption in telecommunications or Internet services or network provider
+services, failure of equipment and/or software, other catastrophe, or any
+other occurrence which is beyond our reasonable control and shall not affect
+the validity and enforceability of any remaining provisions.</p>
+</div>
+<div class="section" id="assignment">
+<h2>Assignment<a class="headerlink" href="#assignment" title="Permalink to 
this headline">¶</a></h2>
+<p>You agree that we may assign any of our rights and/or transfer, 
sub-contract,
+or delegate any of our obligations under these Terms.</p>
+</div>
+<div class="section" id="entire-agreement">
+<h2>Entire agreement<a class="headerlink" href="#entire-agreement" 
title="Permalink to this headline">¶</a></h2>
+<p>This Agreement sets forth the entire understanding and agreement as to the
 subject matter hereof and supersedes any and all prior discussions,
-agreements, and understandings of any kind (including, without
-limitation, any prior versions of this Agreement) and every nature
-between us. Except as provided for above, any modification to this
-Agreement must be in writing and must be signed by both parties.
-</p>
-<h2>QUESTIONS OR COMMENTS</h2>
-<p>We
-welcome comments, questions, concerns, or suggestions. Please send us
-a message on our contact page at <tt>address@hidden</tt>.
-</p>
-</body>
-</html>
+agreements, and understandings of any kind (including, without limitation, any
+prior versions of this Agreement) and every nature between us. Except as
+provided for above, any modification to this Agreement must be in writing and
+must be signed by both parties.</p>
+</div>
+<div class="section" id="questions-or-comments">
+<h2>Questions or comments<a class="headerlink" href="#questions-or-comments" 
title="Permalink to this headline">¶</a></h2>
+<p>We welcome comments, questions, concerns, or suggestions. Please send us a
+message on our contact page at <a class="reference external" 
href="mailto:legal&#37;&#52;&#48;taler-systems&#46;com";>legal<span>&#64;</span>taler-systems<span>&#46;</span>com</a>.</p>
+</div>
+</div>
+
+
+          </div>
+        </div>
+      </div>
+      <div class="clearer"></div>
+    </div>
+  </body>
+</html>
\ No newline at end of file
diff --git a/contrib/tos/en/0.pdf b/contrib/tos/en/0.pdf
new file mode 100644
index 00000000..972b91b9
Binary files /dev/null and b/contrib/tos/en/0.pdf differ
diff --git a/contrib/tos/en/0.txt b/contrib/tos/en/0.txt
index 5a5ee1b9..9b512f01 100644
--- a/contrib/tos/en/0.txt
+++ b/contrib/tos/en/0.txt
@@ -1,295 +1,381 @@
-Terms Of Service - Last Updated: 12.4.2019
+Terms Of Service
+****************
 
-Welcome! Taler Systems SA (“we,” “our,” or “us”) provides a payment service
-through our Internet presence (collectively the “Services”). Before using our
-Services, please read the Terms of Service (the “Terms” or the “Agreement”)
-carefully.
+Last Updated: 12.4.2019
 
-OVERVIEW
+Welcome! Taler Systems SA (“we,” “our,” or “us”) provides a payment
+service through our Internet presence (collectively the “Services”).
+Before using our Services, please read the Terms of Service (the
+“Terms” or the “Agreement”) carefully.
+
+
+Overview
+========
 
 This section provides a brief summary of the highlights of this
-Agreement. Please note that when you accept this Agreement, you are accepting
-all of the terms and conditions and not just this section. We and possibly
-other third parties provide Internet services which interact with the Taler
-Wallet’s self-hosted personal payment application. When using the Taler Wallet
-to interact with our Services, you are agreeing to our Terms, so please read
-carefully.
+Agreement. Please note that when you accept this Agreement, you are
+accepting all of the terms and conditions and not just this section.
+We and possibly other third parties provide Internet services which
+interact with the Taler Wallet’s self-hosted personal payment
+application. When using the Taler Wallet to interact with our
+Services, you are agreeing to our Terms, so please read carefully.
+
 
 Highlights:
-    • You are responsible for keeping the data in your Taler Wallet at all 
times
-      under your control. Any losses arising from you not being in control of
-      your private information are your problem.
-    • We will try to transfer funds we hold in escrow for our users to any 
legal
-      recipient to the best of our ability within the limitations of the law 
and
-      our implementation. However, the Services offered today are highly
-      experimental and the set of recipients of funds is severely restricted.
-    • For our Services, we may charge transaction fees. The specific fee 
structure
-      is provided based on the Taler protocol and should be shown to you when 
you
-      withdraw electronic coins using a Taler Wallet. You agree and understand
-      that the Taler protocol allows for the fee structure to change.
-    • You agree to not intentionally overwhelm our systems with requests and
-      follow responsible disclosure if you find security issues in our 
services.
-    • We cannot be held accountable for our Services not being available due to
-      circumstances beyond our control. If we modify or terminate our services,
-      we will try to give you the opportunity to recover your funds. However,
-      given the experimental state of the Services today, this may not be
-      possible. You are strongly advised to limit your use of the Service
-      to small-scale experiments expecting total loss of all funds.
-
-These terms outline approved uses of our Services. The Services and these
-Terms are still at an experimental stage. If you have any questions or
-comments related to this Agreement, please send us a message to
-address@hidden. If you do not agree to this Agreement, you must not
-use our Services.
-
-HOW YOU ACCEPT THIS POLICY
-
-By sending funds to us (to top-up your Taler Wallet), you acknowledge that you
-have read, understood, and agreed to these Terms. We reserve the right to
-change these Terms at any time. If you disagree with the change, we may in the
-future offer you with an easy option to recover your unspent funds. However,
-in the current experimental period you acknowledge that this feature is not
-yet available, resulting in your funds being lost unless you accept the new
-Terms. If you continue to use our Services other than to recover your unspent
-funds, your continued use of our Services following any such change will
-signify your acceptance to be bound by the then current Terms. Please check
-the effective date above to determine if there have been any changes since you
-have last reviewed these Terms.
-
-SERVICES
-
-We will try to transfer funds that we hold in escrow for our users to any
-legal recipient to the best of our ability and within the limitations of the
-law and our implementation. However, the Services offered today are highly
-experimental and the set of recipients of funds is severely restricted.  The
-Taler Wallet can be loaded by exchanging fiat currencies against electronic
-coins. We are providing this exchange service. Once your Taler Wallet is
-loaded with electronic coins they can be spent for purchases if the seller is
-accepting Taler as a means of payment. We are not guaranteeing that any seller
-is accepting Taler at all or a particular seller.  The seller or recipient of
-deposits of electronic coins must specify the target account, as per the
-design of the Taler protocol. They are responsible for following the protocol
-and specifying the correct bank account, and are solely liable for any losses
-that may arise from specifying the wrong account. We will allow the government
-to link wire transfers to the underlying contract hash. It is the
+-----------
+
+   * You are responsible for keeping the data in your Taler Wallet at
+     all times under your control. Any losses arising from you not
+     being in control of your private information are your problem.
+
+   * We will try to transfer funds we hold in escrow for our users to
+     any legal recipient to the best of our ability within the
+     limitations of the law and our implementation. However, the
+     Services offered today are highly experimental and the set of
+     recipients of funds is severely restricted.
+
+   * For our Services, we may charge transaction fees. The specific
+     fee structure is provided based on the Taler protocol and should
+     be shown to you when you withdraw electronic coins using a Taler
+     Wallet. You agree and understand that the Taler protocol allows
+     for the fee structure to change.
+
+   * You agree to not intentionally overwhelm our systems with
+     requests and follow responsible disclosure if you find security
+     issues in our services.
+
+   * We cannot be held accountable for our Services not being
+     available due to circumstances beyond our control. If we modify
+     or terminate our services, we will try to give you the
+     opportunity to recover your funds. However, given the
+     experimental state of the Services today, this may not be
+     possible. You are strongly advised to limit your use of the
+     Service to small-scale experiments expecting total loss of all
+     funds.
+
+These terms outline approved uses of our Services. The Services and
+these Terms are still at an experimental stage. If you have any
+questions or comments related to this Agreement, please send us a
+message to address@hidden. If you do not agree to this
+Agreement, you must not use our Services.
+
+
+How you accept this policy
+==========================
+
+By sending funds to us (to top-up your Taler Wallet), you acknowledge
+that you have read, understood, and agreed to these Terms. We reserve
+the right to change these Terms at any time. If you disagree with the
+change, we may in the future offer you with an easy option to recover
+your unspent funds. However, in the current experimental period you
+acknowledge that this feature is not yet available, resulting in your
+funds being lost unless you accept the new Terms. If you continue to
+use our Services other than to recover your unspent funds, your
+continued use of our Services following any such change will signify
+your acceptance to be bound by the then current Terms. Please check
+the effective date above to determine if there have been any changes
+since you have last reviewed these Terms.
+
+
+Services
+========
+
+We will try to transfer funds that we hold in escrow for our users to
+any legal recipient to the best of our ability and within the
+limitations of the law and our implementation. However, the Services
+offered today are highly experimental and the set of recipients of
+funds is severely restricted.  The Taler Wallet can be loaded by
+exchanging fiat currencies against electronic coins. We are providing
+this exchange service. Once your Taler Wallet is loaded with
+electronic coins they can be spent for purchases if the seller is
+accepting Taler as a means of payment. We are not guaranteeing that
+any seller is accepting Taler at all or a particular seller.  The
+seller or recipient of deposits of electronic coins must specify the
+target account, as per the design of the Taler protocol. They are
+responsible for following the protocol and specifying the correct bank
+account, and are solely liable for any losses that may arise from
+specifying the wrong account. We will allow the government to link
+wire transfers to the underlying contract hash. It is the
 responsibility of recipients to preserve the full contracts and to pay
-whatever taxes and charges may be applicable. Technical issues may lead to
-situations where we are unable to make transfers at all or lead to incorrect
-transfers that cannot be reversed. We will only refuse to execute transfers if
-the transfers are prohibited by a competent legal authority and we are ordered
-to do so.
-
-FEES
-
-You agree to pay the fees for exchanges and withdrawals completed via the
-Taler Wallet ("Fees") as defined by us, which we may change from time to
-time. With the exception of wire transfer fees, Taler transaction fees are set
-for any electronic coin at the time of withdrawal and fixed throughout the
-validity period of the respective electronic coin. Your wallet should obtain
-and display applicable fees when withdrawing funds. Fees for coins obtained as
-change may differ from the fees applicable to the original coin. Wire transfer
-fees that are independent from electronic coins may change annually.  You
-authorize us to charge or deduct applicable fees owed in connection with
-deposits, exchanges and withdrawals following the rules of the Taler protocol.
-We reserve the right to provide different types of rewards to users either in
-the form of discount for our Services or in any other form at our discretion
-and without prior notice to you.
-
-ELIGIBILITY
-
-To be eligible to use our Services, you must be able to form legally binding
-contracts or have the permission of your legal guardian. By using our
-Services, you represent and warrant that you meet all eligibility requirements
-that we outline in these Terms.
-
-FINANCIAL SELF-RESPONSIBILITY
-
-You will be responsible for maintaining the availability, integrity and
-confidentiality of the data stored in your wallet. When you setup a Taler
-Wallet, you are strongly advised to follow the precautionary measures offered
-by the software to minimize the chances to losse access to or control over
-your Wallet data. We will not be liable for any loss or damage arising from
-your failure to comply with this paragraph.
-
-COPYRIGHTS and TRADEMARKS
-
-The Taler Wallet is released under the terms of the GNU General Public License
-(GNU GPL). You have the right to access, use, and share the Taler Wallet, in
-modified or unmodified form. However, the GPL is a strong copyleft license,
-which means that any derivative works must be distributed under the same
-license terms as the original software. If you have any questions, you should
-review the GNU GPL’s full terms and conditions at
-https://www.gnu.org/licenses/gpl-3.0.en.html.  “Taler” itself is a trademark
-of Taler Systems SA. You are welcome to use the name in relation to processing
-payments using the Taler protocol, assuming your use is compatible with an
-official release from the GNU Project that is not older than two years.
-
-YOUR USE OF OUR SERVICES
-
-When using our Services, you agree to not take any action that intentionally
-imposes an unreasonable load on our infrastructure. If you find security
-problems in our Services, you agree to first report them to
-address@hidden and grant us the right to publish your report. We
-warrant that we will ourselves publicly disclose any issues reported within 3
-months, and that we will not prosecute anyone reporting security issues if
-they did not exploit the issue beyond a proof-of-concept, and followed the
-above responsible disclosure practice.
-
-LIMITATION OF LIABILITY & DISCLAIMER OF WARRANTIES
-
-You understand and agree that we have no control over, and no duty to take any
-action regarding: Failures, disruptions, errors, or delays in processing that
-you may experience while using our Services; The risk of failure of hardware,
-software, and Internet connections; The risk of malicious software being
-introduced or found in the software underlying the Taler Wallet; The risk that
-third parties may obtain unauthorized access to information stored within your
-Taler Wallet, including, but not limited to your Taler Wallet coins or backup
-encryption keys.  You release us from all liability related to any losses,
-damages, or claims arising from:
-
-(a) user error such as forgotten passwords, incorrectly constructed
-    transactions;
-(b) server failure or data loss;
-(c) unauthorized access to the Taler Wallet application;
-(d) bugs or other errors in the Taler Wallet software; and
-(e) any unauthorized third party activities, including, but not limited to,
-    the use of viruses, phishing, brute forcing, or other means of attack
-    against the Taler Wallet. We make no representations concerning any
-    Third Party Content contained in or accessed through our Services.
-
-Any other terms, conditions, warranties, or representations associated with
-such content, are solely between you and such organizations and/or
-individuals.
-
-LIMITATION OF LIABILITY
-
-To the fullest extent permitted by applicable law, in no event will we or any
-of our officers, directors, representatives, agents, servants, counsel,
-employees, consultants, lawyers, and other personnel authorized to act,
-acting, or purporting to act on our behalf (collectively the “Taler Parties”)
-be liable to you under contract, tort, strict liability, negligence, or any
-other legal or equitable theory, for:
-
-(a) any lost profits, data loss, cost of procurement of substitute goods or
-    services, or direct, indirect, incidental, special, punitive, compensatory,
-    or consequential damages of any kind whatsoever resulting from:
-  (i) your use of, or conduct in connection with, our services;
-  (ii) any unauthorized use of your wallet and/or private key due to your
-       failure to maintain the confidentiality of your wallet;
-  (iii) any interruption or cessation of transmission to or from the services; 
or
-  (iv) any bugs, viruses, trojan horses, or the like that are found in the 
Taler
-       Wallet software or that may be transmitted to or through our services by
-       any third party (regardless of the source of origination), or
-(b) any direct damages.
-
-These limitations apply regardless of legal theory, whether based on tort,
-strict liability, breach of contract, breach of warranty, or any other legal
-theory, and whether or not we were advised of the possibility of such
-damages. Some jurisdictions do not allow the exclusion or limitation of
-liability for consequential or incidental damages, so the above limitation may
-not apply to you.
-
-WARRANTY DISCLAIMER
-
-Our services are provided "as is" and without warranty of any kind. To the
-maximum extent permitted by law, we disclaim all representations and
-warranties, express or implied, relating to the services and underlying
-software or any content on the services, whether provided or owned by us or by
-any third party, including without limitation, warranties of merchantability,
-fitness for a particular purpose, title, non-infringement, freedom from
-computer virus, and any implied warranties arising from course of dealing,
-course of performance, or usage in trade, all of which are expressly
-disclaimed. In addition, we do not represent or warrant that the content
-accessible via the services is accurate, complete, available, current, free of
-viruses or other harmful components, or that the results of using the services
-will meet your requirements. Some states do not allow the disclaimer of
-implied warranties, so the foregoing disclaimers may not apply to you. This
-paragraph gives you specific legal rights and you may also have other legal
-rights that vary from state to state.
-
-INDEMNITY
-
-To the extent permitted by applicable law, you agree to defend, indemnify, and
-hold harmless the Taler Parties from and against any and all claims, damages,
-obligations, losses, liabilities, costs or debt, and expenses (including, but
-not limited to, attorney’s fees) arising from: (a) your use of and access to
-the Services; (b) any feedback or submissions you provide to us concerning the
-Taler Wallet; (c) your violation of any term of this Agreement; or (d) your
-violation of any law, rule, or regulation, or the rights of any third party.
-
-TIME LIMITATION ON CLAIMS
-
-You agree that any claim you may have arising out of or related to your
-relationship with us must be filed within one year after such claim arises,
-otherwise, your claim in permanently barred.
-
-GOVERNING LAW
-
-No matter where you’re located, the laws of Switzerland will govern these
-Terms. If any provisions of these Terms are inconsistent with any applicable
-law, those provisions will be superseded or modified only to the extent such
-provisions are inconsistent. The parties agree to submit to the ordinary
-courts in Zurich, Switzerland for exclusive jurisdiction of any dispute
-arising out of or related to your use of the Services or your breach of these
-Terms.
-
-TERMINATION
+whatever taxes and charges may be applicable. Technical issues may
+lead to situations where we are unable to make transfers at all or
+lead to incorrect transfers that cannot be reversed. We will only
+refuse to execute transfers if the transfers are prohibited by a
+competent legal authority and we are ordered to do so.
+
+
+Fees
+====
+
+You agree to pay the fees for exchanges and withdrawals completed via
+the Taler Wallet ("Fees") as defined by us, which we may change from
+time to time. With the exception of wire transfer fees, Taler
+transaction fees are set for any electronic coin at the time of
+withdrawal and fixed throughout the validity period of the respective
+electronic coin. Your wallet should obtain and display applicable fees
+when withdrawing funds. Fees for coins obtained as change may differ
+from the fees applicable to the original coin. Wire transfer fees that
+are independent from electronic coins may change annually.  You
+authorize us to charge or deduct applicable fees owed in connection
+with deposits, exchanges and withdrawals following the rules of the
+Taler protocol. We reserve the right to provide different types of
+rewards to users either in the form of discount for our Services or in
+any other form at our discretion and without prior notice to you.
+
+
+Eligibility
+===========
+
+To be eligible to use our Services, you must be able to form legally
+binding contracts or have the permission of your legal guardian. By
+using our Services, you represent and warrant that you meet all
+eligibility requirements that we outline in these Terms.
+
+
+Financial self-responsibility
+=============================
+
+You will be responsible for maintaining the availability, integrity
+and confidentiality of the data stored in your wallet. When you setup
+a Taler Wallet, you are strongly advised to follow the precautionary
+measures offered by the software to minimize the chances to losse
+access to or control over your Wallet data. We will not be liable for
+any loss or damage arising from your failure to comply with this
+paragraph.
+
+
+Copyrights and trademarks
+=========================
+
+The Taler Wallet is released under the terms of the GNU General Public
+License (GNU GPL). You have the right to access, use, and share the
+Taler Wallet, in modified or unmodified form. However, the GPL is a
+strong copyleft license, which means that any derivative works must be
+distributed under the same license terms as the original software. If
+you have any questions, you should review the GNU GPL’s full terms and
+conditions at https://www.gnu.org/licenses/gpl-3.0.en.html.  “Taler”
+itself is a trademark of Taler Systems SA. You are welcome to use the
+name in relation to processing payments using the Taler protocol,
+assuming your use is compatible with an official release from the GNU
+Project that is not older than two years.
+
+
+Your use of our services
+========================
+
+When using our Services, you agree to not take any action that
+intentionally imposes an unreasonable load on our infrastructure. If
+you find security problems in our Services, you agree to first report
+them to address@hidden and grant us the right to publish
+your report. We warrant that we will ourselves publicly disclose any
+issues reported within 3 months, and that we will not prosecute anyone
+reporting security issues if they did not exploit the issue beyond a
+proof-of-concept, and followed the above responsible disclosure
+practice.
+
+
+Limitation of liability & disclaimer of warranties
+==================================================
+
+You understand and agree that we have no control over, and no duty to
+take any action regarding: Failures, disruptions, errors, or delays in
+processing that you may experience while using our Services; The risk
+of failure of hardware, software, and Internet connections; The risk
+of malicious software being introduced or found in the software
+underlying the Taler Wallet; The risk that third parties may obtain
+unauthorized access to information stored within your Taler Wallet,
+including, but not limited to your Taler Wallet coins or backup
+encryption keys.  You release us from all liability related to any
+losses, damages, or claims arising from:
+
+1. user error such as forgotten passwords, incorrectly constructed
+   transactions;
+
+2. server failure or data loss;
+
+3. unauthorized access to the Taler Wallet application;
+
+4. bugs or other errors in the Taler Wallet software; and
+
+5. any unauthorized third party activities, including, but not limited
+   to, the use of viruses, phishing, brute forcing, or other means of
+   attack against the Taler Wallet. We make no representations
+   concerning any Third Party Content contained in or accessed through
+   our Services.
+
+Any other terms, conditions, warranties, or representations associated
+with such content, are solely between you and such organizations
+and/or individuals.
+
+
+Limitation of liability
+=======================
+
+To the fullest extent permitted by applicable law, in no event will we
+or any of our officers, directors, representatives, agents, servants,
+counsel, employees, consultants, lawyers, and other personnel
+authorized to act, acting, or purporting to act on our behalf
+(collectively the “Taler Parties”) be liable to you under contract,
+tort, strict liability, negligence, or any other legal or equitable
+theory, for:
+
+1. any lost profits, data loss, cost of procurement of substitute
+   goods or services, or direct, indirect, incidental, special,
+   punitive, compensatory, or consequential damages of any kind
+   whatsoever resulting from:
+
+   1. your use of, or conduct in connection with, our services;
+
+   2. any unauthorized use of your wallet and/or private key due to
+      your failure to maintain the confidentiality of your wallet;
+
+   3. any interruption or cessation of transmission to or from the
+      services; or
+
+   4. any bugs, viruses, trojan horses, or the like that are found in
+      the Taler Wallet software or that may be transmitted to or
+      through our services by any third party (regardless of the
+      source of origination), or
+
+2. any direct damages.
+
+These limitations apply regardless of legal theory, whether based on
+tort, strict liability, breach of contract, breach of warranty, or any
+other legal theory, and whether or not we were advised of the
+possibility of such damages. Some jurisdictions do not allow the
+exclusion or limitation of liability for consequential or incidental
+damages, so the above limitation may not apply to you.
+
+
+Warranty disclaimer
+===================
+
+Our services are provided "as is" and without warranty of any kind. To
+the maximum extent permitted by law, we disclaim all representations
+and warranties, express or implied, relating to the services and
+underlying software or any content on the services, whether provided
+or owned by us or by any third party, including without limitation,
+warranties of merchantability, fitness for a particular purpose,
+title, non-infringement, freedom from computer virus, and any implied
+warranties arising from course of dealing, course of performance, or
+usage in trade, all of which are expressly disclaimed. In addition, we
+do not represent or warrant that the content accessible via the
+services is accurate, complete, available, current, free of viruses or
+other harmful components, or that the results of using the services
+will meet your requirements. Some states do not allow the disclaimer
+of implied warranties, so the foregoing disclaimers may not apply to
+you. This paragraph gives you specific legal rights and you may also
+have other legal rights that vary from state to state.
+
+
+Indemntiy
+=========
+
+To the extent permitted by applicable law, you agree to defend,
+indemnify, and hold harmless the Taler Parties from and against any
+and all claims, damages, obligations, losses, liabilities, costs or
+debt, and expenses (including, but not limited to, attorney’s fees)
+arising from: (a) your use of and access to the Services; (b) any
+feedback or submissions you provide to us concerning the Taler Wallet;
+(c) your violation of any term of this Agreement; or (d) your
+violation of any law, rule, or regulation, or the rights of any third
+party.
+
+
+Time limitation on claims
+=========================
+
+You agree that any claim you may have arising out of or related to
+your relationship with us must be filed within one year after such
+claim arises, otherwise, your claim in permanently barred.
+
+
+Governing law
+=============
+
+No matter where you’re located, the laws of Switzerland will govern
+these Terms. If any provisions of these Terms are inconsistent with
+any applicable law, those provisions will be superseded or modified
+only to the extent such provisions are inconsistent. The parties agree
+to submit to the ordinary courts in Zurich, Switzerland for exclusive
+jurisdiction of any dispute arising out of or related to your use of
+the Services or your breach of these Terms.
+
+
+Termination
+===========
 
 In the event of termination concerning your use of our Services, your
 obligations under this Agreement will still continue.
 
-DISCONTINUANCE OF SERVICES
 
-We may, in our sole discretion and without cost to you, with or without prior
-notice, and at any time, modify or discontinue, temporarily or permanently,
-any portion of our Services. We will use the Taler protocol’s provisions to
-notify Wallets if our Services are to be discontinued. It is your
-responsibility to ensure that the Taler Wallet is online at least once every
-three months to observe these notifications. We shall not be held responsible
-or liable for any loss of funds in the event that we discontinue or depreciate
-the Services and your Taler Wallet fails to transfer out the coins within a
-three months notification period.
+Discontinuance of services
+==========================
+
+We may, in our sole discretion and without cost to you, with or
+without prior notice, and at any time, modify or discontinue,
+temporarily or permanently, any portion of our Services. We will use
+the Taler protocol’s provisions to notify Wallets if our Services are
+to be discontinued. It is your responsibility to ensure that the Taler
+Wallet is online at least once every three months to observe these
+notifications. We shall not be held responsible or liable for any loss
+of funds in the event that we discontinue or depreciate the Services
+and your Taler Wallet fails to transfer out the coins within a three
+months notification period.
+
 
-NO WAIVER
+No waiver
+=========
 
-Our failure to exercise or delay in exercising any right, power, or privilege
-under this Agreement shall not operate as a waiver; nor shall any single or
-partial exercise of any right, power, or privilege preclude any other or
-further exercise thereof.
+Our failure to exercise or delay in exercising any right, power, or
+privilege under this Agreement shall not operate as a waiver; nor
+shall any single or partial exercise of any right, power, or privilege
+preclude any other or further exercise thereof.
 
-SEVERABILITY
 
-If it turns out that any part of this Agreement is invalid, void, or for any
-reason unenforceable, that term will be deemed severable and limited or
-eliminated to the minimum extent necessary.
+Severability
+============
 
-FORCE MAJEURE
+If it turns out that any part of this Agreement is invalid, void, or
+for any reason unenforceable, that term will be deemed severable and
+limited or eliminated to the minimum extent necessary.
+
+
+Force majeure
+=============
 
 We shall not be held liable for any delays, failure in performance, or
-interruptions of service which result directly or indirectly from any cause or
-condition beyond our reasonable control, including but not limited to: any
-delay or failure due to any act of God, act of civil or military authorities,
-act of terrorism, civil disturbance, war, strike or other labor dispute, fire,
-interruption in telecommunications or Internet services or network provider
-services, failure of equipment and/or software, other catastrophe, or any
-other occurrence which is beyond our reasonable control and shall not affect
+interruptions of service which result directly or indirectly from any
+cause or condition beyond our reasonable control, including but not
+limited to: any delay or failure due to any act of God, act of civil
+or military authorities, act of terrorism, civil disturbance, war,
+strike or other labor dispute, fire, interruption in
+telecommunications or Internet services or network provider services,
+failure of equipment and/or software, other catastrophe, or any other
+occurrence which is beyond our reasonable control and shall not affect
 the validity and enforceability of any remaining provisions.
 
-ASSIGNMENT
 
-You agree that we may assign any of our rights and/or transfer, sub-contract,
-or delegate any of our obligations under these Terms.
+Assignment
+==========
+
+You agree that we may assign any of our rights and/or transfer, sub-
+contract, or delegate any of our obligations under these Terms.
+
+
+Entire agreement
+================
 
-ENTIRE AGREEMENT
+This Agreement sets forth the entire understanding and agreement as to
+the subject matter hereof and supersedes any and all prior
+discussions, agreements, and understandings of any kind (including,
+without limitation, any prior versions of this Agreement) and every
+nature between us. Except as provided for above, any modification to
+this Agreement must be in writing and must be signed by both parties.
 
-This Agreement sets forth the entire understanding and agreement as to the
-subject matter hereof and supersedes any and all prior discussions,
-agreements, and understandings of any kind (including, without limitation, any
-prior versions of this Agreement) and every nature between us. Except as
-provided for above, any modification to this Agreement must be in writing and
-must be signed by both parties.
 
-QUESTIONS OR COMMENTS
+Questions or comments
+=====================
 
-We welcome comments, questions, concerns, or suggestions. Please send us a
-message on our contact page at address@hidden.
+We welcome comments, questions, concerns, or suggestions. Please send
+us a message on our contact page at address@hidden.
diff --git a/contrib/tos/en/0.xml b/contrib/tos/en/0.xml
new file mode 100644
index 00000000..45871ead
--- /dev/null
+++ b/contrib/tos/en/0.xml
@@ -0,0 +1,344 @@
+<?xml version="1.0" encoding="utf-8"?>
+<!DOCTYPE document PUBLIC "+//IDN docutils.sourceforge.net//DTD Docutils 
Generic//EN//XML" "http://docutils.sourceforge.net/docs/ref/docutils.dtd";>
+<!-- Generated by Docutils 0.14 -->
+<document source="/home/grothoff/research/taler/exchange/contrib/tos/tos.rst">
+    <section ids="terms-of-service" names="terms\ of\ service">
+        <title>Terms Of Service</title>
+        <paragraph>Last Updated: 12.4.2019</paragraph>
+        <paragraph>Welcome! Taler Systems SA (“we,” “our,” or “us”) provides a 
payment service
+            through our Internet presence (collectively the “Services”). 
Before using our
+            Services, please read the Terms of Service (the “Terms” or the 
“Agreement”)
+            carefully.</paragraph>
+        <section ids="overview" names="overview">
+            <title>Overview</title>
+            <paragraph>This section provides a brief summary of the highlights 
of this
+                Agreement. Please note that when you accept this Agreement, 
you are accepting
+                all of the terms and conditions and not just this section. We 
and possibly
+                other third parties provide Internet services which interact 
with the Taler
+                Wallet’s self-hosted personal payment application. When using 
the Taler Wallet
+                to interact with our Services, you are agreeing to our Terms, 
so please read
+                carefully.</paragraph>
+            <section ids="highlights" names="highlights:">
+                <title>Highlights:</title>
+                <block_quote>
+                    <bullet_list bullet="•">
+                        <list_item>
+                            <paragraph>You are responsible for keeping the 
data in your Taler Wallet at all times
+                                under your control. Any losses arising from 
you not being in control of
+                                your private information are your 
problem.</paragraph>
+                        </list_item>
+                        <list_item>
+                            <paragraph>We will try to transfer funds we hold 
in escrow for our users to any legal
+                                recipient to the best of our ability within 
the limitations of the law and
+                                our implementation. However, the Services 
offered today are highly
+                                experimental and the set of recipients of 
funds is severely restricted.</paragraph>
+                        </list_item>
+                        <list_item>
+                            <paragraph>For our Services, we may charge 
transaction fees. The specific fee structure
+                                is provided based on the Taler protocol and 
should be shown to you when you
+                                withdraw electronic coins using a Taler 
Wallet. You agree and understand
+                                that the Taler protocol allows for the fee 
structure to change.</paragraph>
+                        </list_item>
+                        <list_item>
+                            <paragraph>You agree to not intentionally 
overwhelm our systems with requests and
+                                follow responsible disclosure if you find 
security issues in our services.</paragraph>
+                        </list_item>
+                        <list_item>
+                            <paragraph>We cannot be held accountable for our 
Services not being available due to
+                                circumstances beyond our control. If we modify 
or terminate our services,
+                                we will try to give you the opportunity to 
recover your funds. However,
+                                given the experimental state of the Services 
today, this may not be
+                                possible. You are strongly advised to limit 
your use of the Service
+                                to small-scale experiments expecting total 
loss of all funds.</paragraph>
+                        </list_item>
+                    </bullet_list>
+                </block_quote>
+                <paragraph>These terms outline approved uses of our Services. 
The Services and these
+                    Terms are still at an experimental stage. If you have any 
questions or
+                    comments related to this Agreement, please send us a 
message to
+                    <reference 
refuri="mailto:address@hidden";>address@hidden</reference>. If you do not agree 
to this Agreement, you must not
+                    use our Services.</paragraph>
+            </section>
+        </section>
+        <section ids="how-you-accept-this-policy" names="how\ you\ accept\ 
this\ policy">
+            <title>How you accept this policy</title>
+            <paragraph>By sending funds to us (to top-up your Taler Wallet), 
you acknowledge that you
+                have read, understood, and agreed to these Terms. We reserve 
the right to
+                change these Terms at any time. If you disagree with the 
change, we may in the
+                future offer you with an easy option to recover your unspent 
funds. However,
+                in the current experimental period you acknowledge that this 
feature is not
+                yet available, resulting in your funds being lost unless you 
accept the new
+                Terms. If you continue to use our Services other than to 
recover your unspent
+                funds, your continued use of our Services following any such 
change will
+                signify your acceptance to be bound by the then current Terms. 
Please check
+                the effective date above to determine if there have been any 
changes since you
+                have last reviewed these Terms.</paragraph>
+        </section>
+        <section ids="services" names="services">
+            <title>Services</title>
+            <paragraph>We will try to transfer funds that we hold in escrow 
for our users to any
+                legal recipient to the best of our ability and within the 
limitations of the
+                law and our implementation. However, the Services offered 
today are highly
+                experimental and the set of recipients of funds is severely 
restricted.  The
+                Taler Wallet can be loaded by exchanging fiat currencies 
against electronic
+                coins. We are providing this exchange service. Once your Taler 
Wallet is
+                loaded with electronic coins they can be spent for purchases 
if the seller is
+                accepting Taler as a means of payment. We are not guaranteeing 
that any seller
+                is accepting Taler at all or a particular seller.  The seller 
or recipient of
+                deposits of electronic coins must specify the target account, 
as per the
+                design of the Taler protocol. They are responsible for 
following the protocol
+                and specifying the correct bank account, and are solely liable 
for any losses
+                that may arise from specifying the wrong account. We will 
allow the government
+                to link wire transfers to the underlying contract hash. It is 
the
+                responsibility of recipients to preserve the full contracts 
and to pay
+                whatever taxes and charges may be applicable. Technical issues 
may lead to
+                situations where we are unable to make transfers at all or 
lead to incorrect
+                transfers that cannot be reversed. We will only refuse to 
execute transfers if
+                the transfers are prohibited by a competent legal authority 
and we are ordered
+                to do so.</paragraph>
+        </section>
+        <section ids="fees" names="fees">
+            <title>Fees</title>
+            <paragraph>You agree to pay the fees for exchanges and withdrawals 
completed via the
+                Taler Wallet (“Fees”) as defined by us, which we may change 
from time to
+                time. With the exception of wire transfer fees, Taler 
transaction fees are set
+                for any electronic coin at the time of withdrawal and fixed 
throughout the
+                validity period of the respective electronic coin. Your wallet 
should obtain
+                and display applicable fees when withdrawing funds. Fees for 
coins obtained as
+                change may differ from the fees applicable to the original 
coin. Wire transfer
+                fees that are independent from electronic coins may change 
annually.  You
+                authorize us to charge or deduct applicable fees owed in 
connection with
+                deposits, exchanges and withdrawals following the rules of the 
Taler protocol.
+                We reserve the right to provide different types of rewards to 
users either in
+                the form of discount for our Services or in any other form at 
our discretion
+                and without prior notice to you.</paragraph>
+        </section>
+        <section ids="eligibility" names="eligibility">
+            <title>Eligibility</title>
+            <paragraph>To be eligible to use our Services, you must be able to 
form legally binding
+                contracts or have the permission of your legal guardian. By 
using our
+                Services, you represent and warrant that you meet all 
eligibility requirements
+                that we outline in these Terms.</paragraph>
+        </section>
+        <section ids="financial-self-responsibility" names="financial\ 
self-responsibility">
+            <title>Financial self-responsibility</title>
+            <paragraph>You will be responsible for maintaining the 
availability, integrity and
+                confidentiality of the data stored in your wallet. When you 
setup a Taler
+                Wallet, you are strongly advised to follow the precautionary 
measures offered
+                by the software to minimize the chances to losse access to or 
control over
+                your Wallet data. We will not be liable for any loss or damage 
arising from
+                your failure to comply with this paragraph.</paragraph>
+        </section>
+        <section ids="copyrights-and-trademarks" names="copyrights\ and\ 
trademarks">
+            <title>Copyrights and trademarks</title>
+            <paragraph>The Taler Wallet is released under the terms of the GNU 
General Public License
+                (GNU GPL). You have the right to access, use, and share the 
Taler Wallet, in
+                modified or unmodified form. However, the GPL is a strong 
copyleft license,
+                which means that any derivative works must be distributed 
under the same
+                license terms as the original software. If you have any 
questions, you should
+                review the GNU GPL’s full terms and conditions at
+                <reference 
refuri="https://www.gnu.org/licenses/gpl-3.0.en.html";>https://www.gnu.org/licenses/gpl-3.0.en.html</reference>.
  “Taler” itself is a trademark
+                of Taler Systems SA. You are welcome to use the name in 
relation to processing
+                payments using the Taler protocol, assuming your use is 
compatible with an
+                official release from the GNU Project that is not older than 
two years.</paragraph>
+        </section>
+        <section ids="your-use-of-our-services" names="your\ use\ of\ our\ 
services">
+            <title>Your use of our services</title>
+            <paragraph>When using our Services, you agree to not take any 
action that intentionally
+                imposes an unreasonable load on our infrastructure. If you 
find security
+                problems in our Services, you agree to first report them to
+                <reference 
refuri="mailto:address@hidden";>address@hidden</reference> and grant us the 
right to publish your report. We
+                warrant that we will ourselves publicly disclose any issues 
reported within 3
+                months, and that we will not prosecute anyone reporting 
security issues if
+                they did not exploit the issue beyond a proof-of-concept, and 
followed the
+                above responsible disclosure practice.</paragraph>
+        </section>
+        <section ids="limitation-of-liability-disclaimer-of-warranties" 
names="limitation\ of\ liability\ &amp;\ disclaimer\ of\ warranties">
+            <title>Limitation of liability &amp; disclaimer of 
warranties</title>
+            <paragraph>You understand and agree that we have no control over, 
and no duty to take any
+                action regarding: Failures, disruptions, errors, or delays in 
processing that
+                you may experience while using our Services; The risk of 
failure of hardware,
+                software, and Internet connections; The risk of malicious 
software being
+                introduced or found in the software underlying the Taler 
Wallet; The risk that
+                third parties may obtain unauthorized access to information 
stored within your
+                Taler Wallet, including, but not limited to your Taler Wallet 
coins or backup
+                encryption keys.  You release us from all liability related to 
any losses,
+                damages, or claims arising from:</paragraph>
+            <enumerated_list enumtype="loweralpha" prefix="(" suffix=")">
+                <list_item>
+                    <paragraph>user error such as forgotten passwords, 
incorrectly constructed
+                        transactions;</paragraph>
+                </list_item>
+                <list_item>
+                    <paragraph>server failure or data loss;</paragraph>
+                </list_item>
+                <list_item>
+                    <paragraph>unauthorized access to the Taler Wallet 
application;</paragraph>
+                </list_item>
+                <list_item>
+                    <paragraph>bugs or other errors in the Taler Wallet 
software; and</paragraph>
+                </list_item>
+                <list_item>
+                    <paragraph>any unauthorized third party activities, 
including, but not limited to,
+                        the use of viruses, phishing, brute forcing, or other 
means of attack
+                        against the Taler Wallet. We make no representations 
concerning any
+                        Third Party Content contained in or accessed through 
our Services.</paragraph>
+                </list_item>
+            </enumerated_list>
+            <paragraph>Any other terms, conditions, warranties, or 
representations associated with
+                such content, are solely between you and such organizations 
and/or
+                individuals.</paragraph>
+        </section>
+        <section ids="limitation-of-liability" names="limitation\ of\ 
liability">
+            <title>Limitation of liability</title>
+            <paragraph>To the fullest extent permitted by applicable law, in 
no event will we or any
+                of our officers, directors, representatives, agents, servants, 
counsel,
+                employees, consultants, lawyers, and other personnel 
authorized to act,
+                acting, or purporting to act on our behalf (collectively the 
“Taler Parties”)
+                be liable to you under contract, tort, strict liability, 
negligence, or any
+                other legal or equitable theory, for:</paragraph>
+            <enumerated_list enumtype="loweralpha" prefix="(" suffix=")">
+                <list_item>
+                    <paragraph>any lost profits, data loss, cost of 
procurement of substitute goods or
+                        services, or direct, indirect, incidental, special, 
punitive, compensatory,
+                        or consequential damages of any kind whatsoever 
resulting from:</paragraph>
+                </list_item>
+            </enumerated_list>
+            <block_quote>
+                <enumerated_list enumtype="lowerroman" prefix="(" suffix=")">
+                    <list_item>
+                        <paragraph>your use of, or conduct in connection with, 
our services;</paragraph>
+                    </list_item>
+                    <list_item>
+                        <paragraph>any unauthorized use of your wallet and/or 
private key due to your
+                            failure to maintain the confidentiality of your 
wallet;</paragraph>
+                    </list_item>
+                    <list_item>
+                        <paragraph>any interruption or cessation of 
transmission to or from the services; or</paragraph>
+                    </list_item>
+                    <list_item>
+                        <paragraph>any bugs, viruses, trojan horses, or the 
like that are found in the Taler
+                            Wallet software or that may be transmitted to or 
through our services by
+                            any third party (regardless of the source of 
origination), or</paragraph>
+                    </list_item>
+                </enumerated_list>
+            </block_quote>
+            <enumerated_list enumtype="loweralpha" prefix="(" start="2" 
suffix=")">
+                <list_item>
+                    <paragraph>any direct damages.</paragraph>
+                </list_item>
+            </enumerated_list>
+            <paragraph>These limitations apply regardless of legal theory, 
whether based on tort,
+                strict liability, breach of contract, breach of warranty, or 
any other legal
+                theory, and whether or not we were advised of the possibility 
of such
+                damages. Some jurisdictions do not allow the exclusion or 
limitation of
+                liability for consequential or incidental damages, so the 
above limitation may
+                not apply to you.</paragraph>
+        </section>
+        <section ids="warranty-disclaimer" names="warranty\ disclaimer">
+            <title>Warranty disclaimer</title>
+            <paragraph>Our services are provided “as is” and without warranty 
of any kind. To the
+                maximum extent permitted by law, we disclaim all 
representations and
+                warranties, express or implied, relating to the services and 
underlying
+                software or any content on the services, whether provided or 
owned by us or by
+                any third party, including without limitation, warranties of 
merchantability,
+                fitness for a particular purpose, title, non-infringement, 
freedom from
+                computer virus, and any implied warranties arising from course 
of dealing,
+                course of performance, or usage in trade, all of which are 
expressly
+                disclaimed. In addition, we do not represent or warrant that 
the content
+                accessible via the services is accurate, complete, available, 
current, free of
+                viruses or other harmful components, or that the results of 
using the services
+                will meet your requirements. Some states do not allow the 
disclaimer of
+                implied warranties, so the foregoing disclaimers may not apply 
to you. This
+                paragraph gives you specific legal rights and you may also 
have other legal
+                rights that vary from state to state.</paragraph>
+        </section>
+        <section ids="indemntiy" names="indemntiy">
+            <title>Indemntiy</title>
+            <paragraph>To the extent permitted by applicable law, you agree to 
defend, indemnify, and
+                hold harmless the Taler Parties from and against any and all 
claims, damages,
+                obligations, losses, liabilities, costs or debt, and expenses 
(including, but
+                not limited to, attorney’s fees) arising from: (a) your use of 
and access to
+                the Services; (b) any feedback or submissions you provide to 
us concerning the
+                Taler Wallet; (c) your violation of any term of this 
Agreement; or (d) your
+                violation of any law, rule, or regulation, or the rights of 
any third party.</paragraph>
+        </section>
+        <section ids="time-limitation-on-claims" names="time\ limitation\ on\ 
claims">
+            <title>Time limitation on claims</title>
+            <paragraph>You agree that any claim you may have arising out of or 
related to your
+                relationship with us must be filed within one year after such 
claim arises,
+                otherwise, your claim in permanently barred.</paragraph>
+        </section>
+        <section ids="governing-law" names="governing\ law">
+            <title>Governing law</title>
+            <paragraph>No matter where you’re located, the laws of Switzerland 
will govern these
+                Terms. If any provisions of these Terms are inconsistent with 
any applicable
+                law, those provisions will be superseded or modified only to 
the extent such
+                provisions are inconsistent. The parties agree to submit to 
the ordinary
+                courts in Zurich, Switzerland for exclusive jurisdiction of 
any dispute
+                arising out of or related to your use of the Services or your 
breach of these
+                Terms.</paragraph>
+        </section>
+        <section ids="termination" names="termination">
+            <title>Termination</title>
+            <paragraph>In the event of termination concerning your use of our 
Services, your
+                obligations under this Agreement will still 
continue.</paragraph>
+        </section>
+        <section ids="discontinuance-of-services" names="discontinuance\ of\ 
services">
+            <title>Discontinuance of services</title>
+            <paragraph>We may, in our sole discretion and without cost to you, 
with or without prior
+                notice, and at any time, modify or discontinue, temporarily or 
permanently,
+                any portion of our Services. We will use the Taler protocol’s 
provisions to
+                notify Wallets if our Services are to be discontinued. It is 
your
+                responsibility to ensure that the Taler Wallet is online at 
least once every
+                three months to observe these notifications. We shall not be 
held responsible
+                or liable for any loss of funds in the event that we 
discontinue or depreciate
+                the Services and your Taler Wallet fails to transfer out the 
coins within a
+                three months notification period.</paragraph>
+        </section>
+        <section ids="no-waiver" names="no\ waiver">
+            <title>No waiver</title>
+            <paragraph>Our failure to exercise or delay in exercising any 
right, power, or privilege
+                under this Agreement shall not operate as a waiver; nor shall 
any single or
+                partial exercise of any right, power, or privilege preclude 
any other or
+                further exercise thereof.</paragraph>
+        </section>
+        <section ids="severability" names="severability">
+            <title>Severability</title>
+            <paragraph>If it turns out that any part of this Agreement is 
invalid, void, or for any
+                reason unenforceable, that term will be deemed severable and 
limited or
+                eliminated to the minimum extent necessary.</paragraph>
+        </section>
+        <section ids="force-majeure" names="force\ majeure">
+            <title>Force majeure</title>
+            <paragraph>We shall not be held liable for any delays, failure in 
performance, or
+                interruptions of service which result directly or indirectly 
from any cause or
+                condition beyond our reasonable control, including but not 
limited to: any
+                delay or failure due to any act of God, act of civil or 
military authorities,
+                act of terrorism, civil disturbance, war, strike or other 
labor dispute, fire,
+                interruption in telecommunications or Internet services or 
network provider
+                services, failure of equipment and/or software, other 
catastrophe, or any
+                other occurrence which is beyond our reasonable control and 
shall not affect
+                the validity and enforceability of any remaining 
provisions.</paragraph>
+        </section>
+        <section ids="assignment" names="assignment">
+            <title>Assignment</title>
+            <paragraph>You agree that we may assign any of our rights and/or 
transfer, sub-contract,
+                or delegate any of our obligations under these 
Terms.</paragraph>
+        </section>
+        <section ids="entire-agreement" names="entire\ agreement">
+            <title>Entire agreement</title>
+            <paragraph>This Agreement sets forth the entire understanding and 
agreement as to the
+                subject matter hereof and supersedes any and all prior 
discussions,
+                agreements, and understandings of any kind (including, without 
limitation, any
+                prior versions of this Agreement) and every nature between us. 
Except as
+                provided for above, any modification to this Agreement must be 
in writing and
+                must be signed by both parties.</paragraph>
+        </section>
+        <section ids="questions-or-comments" names="questions\ or\ comments">
+            <title>Questions or comments</title>
+            <paragraph>We welcome comments, questions, concerns, or 
suggestions. Please send us a
+                message on our contact page at <reference 
refuri="mailto:address@hidden";>address@hidden</reference>.</paragraph>
+        </section>
+    </section>
+</document>
diff --git a/contrib/tos/locale/de/LC_MESSAGES/tos.po 
b/contrib/tos/locale/de/LC_MESSAGES/tos.po
new file mode 100644
index 00000000..4644a5c8
--- /dev/null
+++ b/contrib/tos/locale/de/LC_MESSAGES/tos.po
@@ -0,0 +1,514 @@
+# SOME DESCRIPTIVE TITLE.
+# Copyright (C) 2014-2020 Taler Systems SA (GPLv3+ or GFDL 1.3+)
+# This file is distributed under the same license as the tos package.
+# FIRST AUTHOR <EMAIL@ADDRESS>, 2020.
+#
+#, fuzzy
+msgid ""
+msgstr ""
+"Project-Id-Version: tos 0\n"
+"Report-Msgid-Bugs-To: \n"
+"POT-Creation-Date: 2020-02-07 00:35+0100\n"
+"PO-Revision-Date: YEAR-MO-DA HO:MI+ZONE\n"
+"Last-Translator: FULL NAME <EMAIL@ADDRESS>\n"
+"Language-Team: LANGUAGE <address@hidden>\n"
+"MIME-Version: 1.0\n"
+"Content-Type: text/plain; charset=utf-8\n"
+"Content-Transfer-Encoding: 8bit\n"
+"Generated-By: Babel 2.6.0\n"
+
+#: ../../tos.rst:2
+msgid "Terms Of Service"
+msgstr ""
+
+#: ../../tos.rst:4
+msgid "Last Updated: 12.4.2019"
+msgstr ""
+
+#: ../../tos.rst:6
+msgid ""
+"Welcome! Taler Systems SA (“we,” “our,” or “us”) provides a payment "
+"service through our Internet presence (collectively the “Services”). "
+"Before using our Services, please read the Terms of Service (the “Terms” "
+"or the “Agreement”) carefully."
+msgstr ""
+
+#: ../../tos.rst:12
+msgid "Overview"
+msgstr ""
+
+#: ../../tos.rst:14
+msgid ""
+"This section provides a brief summary of the highlights of this "
+"Agreement. Please note that when you accept this Agreement, you are "
+"accepting all of the terms and conditions and not just this section. We "
+"and possibly other third parties provide Internet services which interact"
+" with the Taler Wallet’s self-hosted personal payment application. When "
+"using the Taler Wallet to interact with our Services, you are agreeing to"
+" our Terms, so please read carefully."
+msgstr ""
+
+#: ../../tos.rst:23
+msgid "Highlights:"
+msgstr ""
+
+#: ../../tos.rst:25
+msgid ""
+"You are responsible for keeping the data in your Taler Wallet at all "
+"times under your control. Any losses arising from you not being in "
+"control of your private information are your problem."
+msgstr ""
+
+#: ../../tos.rst:28
+msgid ""
+"We will try to transfer funds we hold in escrow for our users to any "
+"legal recipient to the best of our ability within the limitations of the "
+"law and our implementation. However, the Services offered today are "
+"highly experimental and the set of recipients of funds is severely "
+"restricted."
+msgstr ""
+
+#: ../../tos.rst:32
+msgid ""
+"For our Services, we may charge transaction fees. The specific fee "
+"structure is provided based on the Taler protocol and should be shown to "
+"you when you withdraw electronic coins using a Taler Wallet. You agree "
+"and understand that the Taler protocol allows for the fee structure to "
+"change."
+msgstr ""
+
+#: ../../tos.rst:36
+msgid ""
+"You agree to not intentionally overwhelm our systems with requests and "
+"follow responsible disclosure if you find security issues in our "
+"services."
+msgstr ""
+
+#: ../../tos.rst:38
+msgid ""
+"We cannot be held accountable for our Services not being available due to"
+" circumstances beyond our control. If we modify or terminate our "
+"services, we will try to give you the opportunity to recover your funds. "
+"However, given the experimental state of the Services today, this may not"
+" be possible. You are strongly advised to limit your use of the Service "
+"to small-scale experiments expecting total loss of all funds."
+msgstr ""
+
+#: ../../tos.rst:45
+msgid ""
+"These terms outline approved uses of our Services. The Services and these"
+" Terms are still at an experimental stage. If you have any questions or "
+"comments related to this Agreement, please send us a message to legal"
+"@taler-systems.com. If you do not agree to this Agreement, you must not "
+"use our Services."
+msgstr ""
+
+#: ../../tos.rst:52
+msgid "How you accept this policy"
+msgstr ""
+
+#: ../../tos.rst:54
+msgid ""
+"By sending funds to us (to top-up your Taler Wallet), you acknowledge "
+"that you have read, understood, and agreed to these Terms. We reserve the"
+" right to change these Terms at any time. If you disagree with the "
+"change, we may in the future offer you with an easy option to recover "
+"your unspent funds. However, in the current experimental period you "
+"acknowledge that this feature is not yet available, resulting in your "
+"funds being lost unless you accept the new Terms. If you continue to use "
+"our Services other than to recover your unspent funds, your continued use"
+" of our Services following any such change will signify your acceptance "
+"to be bound by the then current Terms. Please check the effective date "
+"above to determine if there have been any changes since you have last "
+"reviewed these Terms."
+msgstr ""
+
+#: ../../tos.rst:67
+msgid "Services"
+msgstr ""
+
+#: ../../tos.rst:69
+msgid ""
+"We will try to transfer funds that we hold in escrow for our users to any"
+" legal recipient to the best of our ability and within the limitations of"
+" the law and our implementation. However, the Services offered today are "
+"highly experimental and the set of recipients of funds is severely "
+"restricted.  The Taler Wallet can be loaded by exchanging fiat currencies"
+" against electronic coins. We are providing this exchange service. Once "
+"your Taler Wallet is loaded with electronic coins they can be spent for "
+"purchases if the seller is accepting Taler as a means of payment. We are "
+"not guaranteeing that any seller is accepting Taler at all or a "
+"particular seller.  The seller or recipient of deposits of electronic "
+"coins must specify the target account, as per the design of the Taler "
+"protocol. They are responsible for following the protocol and specifying "
+"the correct bank account, and are solely liable for any losses that may "
+"arise from specifying the wrong account. We will allow the government to "
+"link wire transfers to the underlying contract hash. It is the "
+"responsibility of recipients to preserve the full contracts and to pay "
+"whatever taxes and charges may be applicable. Technical issues may lead "
+"to situations where we are unable to make transfers at all or lead to "
+"incorrect transfers that cannot be reversed. We will only refuse to "
+"execute transfers if the transfers are prohibited by a competent legal "
+"authority and we are ordered to do so."
+msgstr ""
+
+#: ../../tos.rst:91
+msgid "Fees"
+msgstr ""
+
+#: ../../tos.rst:93
+msgid ""
+"You agree to pay the fees for exchanges and withdrawals completed via the"
+" Taler Wallet (\"Fees\") as defined by us, which we may change from time "
+"to time. With the exception of wire transfer fees, Taler transaction fees"
+" are set for any electronic coin at the time of withdrawal and fixed "
+"throughout the validity period of the respective electronic coin. Your "
+"wallet should obtain and display applicable fees when withdrawing funds. "
+"Fees for coins obtained as change may differ from the fees applicable to "
+"the original coin. Wire transfer fees that are independent from "
+"electronic coins may change annually.  You authorize us to charge or "
+"deduct applicable fees owed in connection with deposits, exchanges and "
+"withdrawals following the rules of the Taler protocol. We reserve the "
+"right to provide different types of rewards to users either in the form "
+"of discount for our Services or in any other form at our discretion and "
+"without prior notice to you."
+msgstr ""
+
+#: ../../tos.rst:108
+msgid "Eligibility"
+msgstr ""
+
+#: ../../tos.rst:110
+msgid ""
+"To be eligible to use our Services, you must be able to form legally "
+"binding contracts or have the permission of your legal guardian. By using"
+" our Services, you represent and warrant that you meet all eligibility "
+"requirements that we outline in these Terms."
+msgstr ""
+
+#: ../../tos.rst:116
+msgid "Financial self-responsibility"
+msgstr ""
+
+#: ../../tos.rst:118
+msgid ""
+"You will be responsible for maintaining the availability, integrity and "
+"confidentiality of the data stored in your wallet. When you setup a Taler"
+" Wallet, you are strongly advised to follow the precautionary measures "
+"offered by the software to minimize the chances to losse access to or "
+"control over your Wallet data. We will not be liable for any loss or "
+"damage arising from your failure to comply with this paragraph."
+msgstr ""
+
+#: ../../tos.rst:126
+msgid "Copyrights and trademarks"
+msgstr ""
+
+#: ../../tos.rst:128
+msgid ""
+"The Taler Wallet is released under the terms of the GNU General Public "
+"License (GNU GPL). You have the right to access, use, and share the Taler"
+" Wallet, in modified or unmodified form. However, the GPL is a strong "
+"copyleft license, which means that any derivative works must be "
+"distributed under the same license terms as the original software. If you"
+" have any questions, you should review the GNU GPL’s full terms and "
+"conditions at https://www.gnu.org/licenses/gpl-3.0.en.html.  “Taler” "
+"itself is a trademark of Taler Systems SA. You are welcome to use the "
+"name in relation to processing payments using the Taler protocol, "
+"assuming your use is compatible with an official release from the GNU "
+"Project that is not older than two years."
+msgstr ""
+
+#: ../../tos.rst:140
+msgid "Your use of our services"
+msgstr ""
+
+#: ../../tos.rst:142
+msgid ""
+"When using our Services, you agree to not take any action that "
+"intentionally imposes an unreasonable load on our infrastructure. If you "
+"find security problems in our Services, you agree to first report them to"
+" address@hidden and grant us the right to publish your "
+"report. We warrant that we will ourselves publicly disclose any issues "
+"reported within 3 months, and that we will not prosecute anyone reporting"
+" security issues if they did not exploit the issue beyond a proof-of-"
+"concept, and followed the above responsible disclosure practice."
+msgstr ""
+
+#: ../../tos.rst:152
+msgid "Limitation of liability & disclaimer of warranties"
+msgstr ""
+
+#: ../../tos.rst:154
+msgid ""
+"You understand and agree that we have no control over, and no duty to "
+"take any action regarding: Failures, disruptions, errors, or delays in "
+"processing that you may experience while using our Services; The risk of "
+"failure of hardware, software, and Internet connections; The risk of "
+"malicious software being introduced or found in the software underlying "
+"the Taler Wallet; The risk that third parties may obtain unauthorized "
+"access to information stored within your Taler Wallet, including, but not"
+" limited to your Taler Wallet coins or backup encryption keys.  You "
+"release us from all liability related to any losses, damages, or claims "
+"arising from:"
+msgstr ""
+
+#: ../../tos.rst:164
+msgid ""
+"user error such as forgotten passwords, incorrectly constructed "
+"transactions;"
+msgstr ""
+
+#: ../../tos.rst:166
+msgid "server failure or data loss;"
+msgstr ""
+
+#: ../../tos.rst:167
+msgid "unauthorized access to the Taler Wallet application;"
+msgstr ""
+
+#: ../../tos.rst:168
+msgid "bugs or other errors in the Taler Wallet software; and"
+msgstr ""
+
+#: ../../tos.rst:169
+msgid ""
+"any unauthorized third party activities, including, but not limited to, "
+"the use of viruses, phishing, brute forcing, or other means of attack "
+"against the Taler Wallet. We make no representations concerning any Third"
+" Party Content contained in or accessed through our Services."
+msgstr ""
+
+#: ../../tos.rst:174
+msgid ""
+"Any other terms, conditions, warranties, or representations associated "
+"with such content, are solely between you and such organizations and/or "
+"individuals."
+msgstr ""
+
+#: ../../tos.rst:179
+msgid "Limitation of liability"
+msgstr ""
+
+#: ../../tos.rst:181
+msgid ""
+"To the fullest extent permitted by applicable law, in no event will we or"
+" any of our officers, directors, representatives, agents, servants, "
+"counsel, employees, consultants, lawyers, and other personnel authorized "
+"to act, acting, or purporting to act on our behalf (collectively the "
+"“Taler Parties”) be liable to you under contract, tort, strict liability,"
+" negligence, or any other legal or equitable theory, for:"
+msgstr ""
+
+#: ../../tos.rst:188
+msgid ""
+"any lost profits, data loss, cost of procurement of substitute goods or "
+"services, or direct, indirect, incidental, special, punitive, "
+"compensatory, or consequential damages of any kind whatsoever resulting "
+"from:"
+msgstr ""
+
+#: ../../tos.rst:192
+msgid "your use of, or conduct in connection with, our services;"
+msgstr ""
+
+#: ../../tos.rst:193
+msgid ""
+"any unauthorized use of your wallet and/or private key due to your "
+"failure to maintain the confidentiality of your wallet;"
+msgstr ""
+
+#: ../../tos.rst:195
+msgid "any interruption or cessation of transmission to or from the services; 
or"
+msgstr ""
+
+#: ../../tos.rst:196
+msgid ""
+"any bugs, viruses, trojan horses, or the like that are found in the Taler"
+" Wallet software or that may be transmitted to or through our services by"
+" any third party (regardless of the source of origination), or"
+msgstr ""
+
+#: ../../tos.rst:200
+msgid "any direct damages."
+msgstr ""
+
+#: ../../tos.rst:202
+msgid ""
+"These limitations apply regardless of legal theory, whether based on "
+"tort, strict liability, breach of contract, breach of warranty, or any "
+"other legal theory, and whether or not we were advised of the possibility"
+" of such damages. Some jurisdictions do not allow the exclusion or "
+"limitation of liability for consequential or incidental damages, so the "
+"above limitation may not apply to you."
+msgstr ""
+
+#: ../../tos.rst:210
+msgid "Warranty disclaimer"
+msgstr ""
+
+#: ../../tos.rst:212
+msgid ""
+"Our services are provided \"as is\" and without warranty of any kind. To "
+"the maximum extent permitted by law, we disclaim all representations and "
+"warranties, express or implied, relating to the services and underlying "
+"software or any content on the services, whether provided or owned by us "
+"or by any third party, including without limitation, warranties of "
+"merchantability, fitness for a particular purpose, title, non-"
+"infringement, freedom from computer virus, and any implied warranties "
+"arising from course of dealing, course of performance, or usage in trade,"
+" all of which are expressly disclaimed. In addition, we do not represent "
+"or warrant that the content accessible via the services is accurate, "
+"complete, available, current, free of viruses or other harmful "
+"components, or that the results of using the services will meet your "
+"requirements. Some states do not allow the disclaimer of implied "
+"warranties, so the foregoing disclaimers may not apply to you. This "
+"paragraph gives you specific legal rights and you may also have other "
+"legal rights that vary from state to state."
+msgstr ""
+
+#: ../../tos.rst:229
+msgid "Indemntiy"
+msgstr ""
+
+#: ../../tos.rst:231
+msgid ""
+"To the extent permitted by applicable law, you agree to defend, "
+"indemnify, and hold harmless the Taler Parties from and against any and "
+"all claims, damages, obligations, losses, liabilities, costs or debt, and"
+" expenses (including, but not limited to, attorney’s fees) arising from: "
+"(a) your use of and access to the Services; (b) any feedback or "
+"submissions you provide to us concerning the Taler Wallet; (c) your "
+"violation of any term of this Agreement; or (d) your violation of any "
+"law, rule, or regulation, or the rights of any third party."
+msgstr ""
+
+#: ../../tos.rst:240
+msgid "Time limitation on claims"
+msgstr ""
+
+#: ../../tos.rst:242
+msgid ""
+"You agree that any claim you may have arising out of or related to your "
+"relationship with us must be filed within one year after such claim "
+"arises, otherwise, your claim in permanently barred."
+msgstr ""
+
+#: ../../tos.rst:247
+msgid "Governing law"
+msgstr ""
+
+#: ../../tos.rst:249
+msgid ""
+"No matter where you’re located, the laws of Switzerland will govern these"
+" Terms. If any provisions of these Terms are inconsistent with any "
+"applicable law, those provisions will be superseded or modified only to "
+"the extent such provisions are inconsistent. The parties agree to submit "
+"to the ordinary courts in Zurich, Switzerland for exclusive jurisdiction "
+"of any dispute arising out of or related to your use of the Services or "
+"your breach of these Terms."
+msgstr ""
+
+#: ../../tos.rst:258
+msgid "Termination"
+msgstr ""
+
+#: ../../tos.rst:260
+msgid ""
+"In the event of termination concerning your use of our Services, your "
+"obligations under this Agreement will still continue."
+msgstr ""
+
+#: ../../tos.rst:264
+msgid "Discontinuance of services"
+msgstr ""
+
+#: ../../tos.rst:266
+msgid ""
+"We may, in our sole discretion and without cost to you, with or without "
+"prior notice, and at any time, modify or discontinue, temporarily or "
+"permanently, any portion of our Services. We will use the Taler "
+"protocol’s provisions to notify Wallets if our Services are to be "
+"discontinued. It is your responsibility to ensure that the Taler Wallet "
+"is online at least once every three months to observe these "
+"notifications. We shall not be held responsible or liable for any loss of"
+" funds in the event that we discontinue or depreciate the Services and "
+"your Taler Wallet fails to transfer out the coins within a three months "
+"notification period."
+msgstr ""
+
+#: ../../tos.rst:277
+msgid "No waiver"
+msgstr ""
+
+#: ../../tos.rst:279
+msgid ""
+"Our failure to exercise or delay in exercising any right, power, or "
+"privilege under this Agreement shall not operate as a waiver; nor shall "
+"any single or partial exercise of any right, power, or privilege preclude"
+" any other or further exercise thereof."
+msgstr ""
+
+#: ../../tos.rst:285
+msgid "Severability"
+msgstr ""
+
+#: ../../tos.rst:287
+msgid ""
+"If it turns out that any part of this Agreement is invalid, void, or for "
+"any reason unenforceable, that term will be deemed severable and limited "
+"or eliminated to the minimum extent necessary."
+msgstr ""
+
+#: ../../tos.rst:292
+msgid "Force majeure"
+msgstr ""
+
+#: ../../tos.rst:294
+msgid ""
+"We shall not be held liable for any delays, failure in performance, or "
+"interruptions of service which result directly or indirectly from any "
+"cause or condition beyond our reasonable control, including but not "
+"limited to: any delay or failure due to any act of God, act of civil or "
+"military authorities, act of terrorism, civil disturbance, war, strike or"
+" other labor dispute, fire, interruption in telecommunications or "
+"Internet services or network provider services, failure of equipment "
+"and/or software, other catastrophe, or any other occurrence which is "
+"beyond our reasonable control and shall not affect the validity and "
+"enforceability of any remaining provisions."
+msgstr ""
+
+#: ../../tos.rst:305
+msgid "Assignment"
+msgstr ""
+
+#: ../../tos.rst:307
+msgid ""
+"You agree that we may assign any of our rights and/or transfer, sub-"
+"contract, or delegate any of our obligations under these Terms."
+msgstr ""
+
+#: ../../tos.rst:311
+msgid "Entire agreement"
+msgstr ""
+
+#: ../../tos.rst:313
+msgid ""
+"This Agreement sets forth the entire understanding and agreement as to "
+"the subject matter hereof and supersedes any and all prior discussions, "
+"agreements, and understandings of any kind (including, without "
+"limitation, any prior versions of this Agreement) and every nature "
+"between us. Except as provided for above, any modification to this "
+"Agreement must be in writing and must be signed by both parties."
+msgstr ""
+
+#: ../../tos.rst:321
+msgid "Questions or comments"
+msgstr ""
+
+#: ../../tos.rst:323
+msgid ""
+"We welcome comments, questions, concerns, or suggestions. Please send us "
+"a message on our contact page at address@hidden."
+msgstr ""
+
diff --git a/contrib/tos/en/0.txt b/contrib/tos/tos.rst
similarity index 94%
copy from contrib/tos/en/0.txt
copy to contrib/tos/tos.rst
index 5a5ee1b9..aff01001 100644
--- a/contrib/tos/en/0.txt
+++ b/contrib/tos/tos.rst
@@ -1,11 +1,15 @@
-Terms Of Service - Last Updated: 12.4.2019
+Terms Of Service
+================
+
+Last Updated: 12.4.2019
 
 Welcome! Taler Systems SA (“we,” “our,” or “us”) provides a payment service
 through our Internet presence (collectively the “Services”). Before using our
 Services, please read the Terms of Service (the “Terms” or the “Agreement”)
 carefully.
 
-OVERVIEW
+Overview
+--------
 
 This section provides a brief summary of the highlights of this
 Agreement. Please note that when you accept this Agreement, you are accepting
@@ -16,6 +20,8 @@ to interact with our Services, you are agreeing to our Terms, 
so please read
 carefully.
 
 Highlights:
+~~~~~~~~~~~
+
     • You are responsible for keeping the data in your Taler Wallet at all 
times
       under your control. Any losses arising from you not being in control of
       your private information are your problem.
@@ -42,7 +48,8 @@ comments related to this Agreement, please send us a message 
to
 address@hidden. If you do not agree to this Agreement, you must not
 use our Services.
 
-HOW YOU ACCEPT THIS POLICY
+How you accept this policy
+--------------------------
 
 By sending funds to us (to top-up your Taler Wallet), you acknowledge that you
 have read, understood, and agreed to these Terms. We reserve the right to
@@ -56,7 +63,8 @@ signify your acceptance to be bound by the then current 
Terms. Please check
 the effective date above to determine if there have been any changes since you
 have last reviewed these Terms.
 
-SERVICES
+Services
+--------
 
 We will try to transfer funds that we hold in escrow for our users to any
 legal recipient to the best of our ability and within the limitations of the
@@ -79,7 +87,8 @@ transfers that cannot be reversed. We will only refuse to 
execute transfers if
 the transfers are prohibited by a competent legal authority and we are ordered
 to do so.
 
-FEES
+Fees
+----
 
 You agree to pay the fees for exchanges and withdrawals completed via the
 Taler Wallet ("Fees") as defined by us, which we may change from time to
@@ -95,14 +104,16 @@ We reserve the right to provide different types of rewards 
to users either in
 the form of discount for our Services or in any other form at our discretion
 and without prior notice to you.
 
-ELIGIBILITY
+Eligibility
+-----------
 
 To be eligible to use our Services, you must be able to form legally binding
 contracts or have the permission of your legal guardian. By using our
 Services, you represent and warrant that you meet all eligibility requirements
 that we outline in these Terms.
 
-FINANCIAL SELF-RESPONSIBILITY
+Financial self-responsibility
+-----------------------------
 
 You will be responsible for maintaining the availability, integrity and
 confidentiality of the data stored in your wallet. When you setup a Taler
@@ -111,7 +122,8 @@ by the software to minimize the chances to losse access to 
or control over
 your Wallet data. We will not be liable for any loss or damage arising from
 your failure to comply with this paragraph.
 
-COPYRIGHTS and TRADEMARKS
+Copyrights and trademarks
+-------------------------
 
 The Taler Wallet is released under the terms of the GNU General Public License
 (GNU GPL). You have the right to access, use, and share the Taler Wallet, in
@@ -124,7 +136,8 @@ of Taler Systems SA. You are welcome to use the name in 
relation to processing
 payments using the Taler protocol, assuming your use is compatible with an
 official release from the GNU Project that is not older than two years.
 
-YOUR USE OF OUR SERVICES
+Your use of our services
+------------------------
 
 When using our Services, you agree to not take any action that intentionally
 imposes an unreasonable load on our infrastructure. If you find security
@@ -135,7 +148,8 @@ months, and that we will not prosecute anyone reporting 
security issues if
 they did not exploit the issue beyond a proof-of-concept, and followed the
 above responsible disclosure practice.
 
-LIMITATION OF LIABILITY & DISCLAIMER OF WARRANTIES
+Limitation of liability & disclaimer of warranties
+--------------------------------------------------
 
 You understand and agree that we have no control over, and no duty to take any
 action regarding: Failures, disruptions, errors, or delays in processing that
@@ -161,7 +175,8 @@ Any other terms, conditions, warranties, or representations 
associated with
 such content, are solely between you and such organizations and/or
 individuals.
 
-LIMITATION OF LIABILITY
+Limitation of liability
+-----------------------
 
 To the fullest extent permitted by applicable law, in no event will we or any
 of our officers, directors, representatives, agents, servants, counsel,
@@ -173,6 +188,7 @@ other legal or equitable theory, for:
 (a) any lost profits, data loss, cost of procurement of substitute goods or
     services, or direct, indirect, incidental, special, punitive, compensatory,
     or consequential damages of any kind whatsoever resulting from:
+
   (i) your use of, or conduct in connection with, our services;
   (ii) any unauthorized use of your wallet and/or private key due to your
        failure to maintain the confidentiality of your wallet;
@@ -180,6 +196,7 @@ other legal or equitable theory, for:
   (iv) any bugs, viruses, trojan horses, or the like that are found in the 
Taler
        Wallet software or that may be transmitted to or through our services by
        any third party (regardless of the source of origination), or
+
 (b) any direct damages.
 
 These limitations apply regardless of legal theory, whether based on tort,
@@ -189,7 +206,8 @@ damages. Some jurisdictions do not allow the exclusion or 
limitation of
 liability for consequential or incidental damages, so the above limitation may
 not apply to you.
 
-WARRANTY DISCLAIMER
+Warranty disclaimer
+-------------------
 
 Our services are provided "as is" and without warranty of any kind. To the
 maximum extent permitted by law, we disclaim all representations and
@@ -207,7 +225,8 @@ implied warranties, so the foregoing disclaimers may not 
apply to you. This
 paragraph gives you specific legal rights and you may also have other legal
 rights that vary from state to state.
 
-INDEMNITY
+Indemntiy
+---------
 
 To the extent permitted by applicable law, you agree to defend, indemnify, and
 hold harmless the Taler Parties from and against any and all claims, damages,
@@ -217,13 +236,15 @@ the Services; (b) any feedback or submissions you provide 
to us concerning the
 Taler Wallet; (c) your violation of any term of this Agreement; or (d) your
 violation of any law, rule, or regulation, or the rights of any third party.
 
-TIME LIMITATION ON CLAIMS
+Time limitation on claims
+-------------------------
 
 You agree that any claim you may have arising out of or related to your
 relationship with us must be filed within one year after such claim arises,
 otherwise, your claim in permanently barred.
 
-GOVERNING LAW
+Governing law
+-------------
 
 No matter where you’re located, the laws of Switzerland will govern these
 Terms. If any provisions of these Terms are inconsistent with any applicable
@@ -233,12 +254,14 @@ courts in Zurich, Switzerland for exclusive jurisdiction 
of any dispute
 arising out of or related to your use of the Services or your breach of these
 Terms.
 
-TERMINATION
+Termination
+-----------
 
 In the event of termination concerning your use of our Services, your
 obligations under this Agreement will still continue.
 
-DISCONTINUANCE OF SERVICES
+Discontinuance of services
+--------------------------
 
 We may, in our sole discretion and without cost to you, with or without prior
 notice, and at any time, modify or discontinue, temporarily or permanently,
@@ -250,20 +273,23 @@ or liable for any loss of funds in the event that we 
discontinue or depreciate
 the Services and your Taler Wallet fails to transfer out the coins within a
 three months notification period.
 
-NO WAIVER
+No waiver
+---------
 
 Our failure to exercise or delay in exercising any right, power, or privilege
 under this Agreement shall not operate as a waiver; nor shall any single or
 partial exercise of any right, power, or privilege preclude any other or
 further exercise thereof.
 
-SEVERABILITY
+Severability
+------------
 
 If it turns out that any part of this Agreement is invalid, void, or for any
 reason unenforceable, that term will be deemed severable and limited or
 eliminated to the minimum extent necessary.
 
-FORCE MAJEURE
+Force majeure
+-------------
 
 We shall not be held liable for any delays, failure in performance, or
 interruptions of service which result directly or indirectly from any cause or
@@ -275,12 +301,14 @@ services, failure of equipment and/or software, other 
catastrophe, or any
 other occurrence which is beyond our reasonable control and shall not affect
 the validity and enforceability of any remaining provisions.
 
-ASSIGNMENT
+Assignment
+----------
 
 You agree that we may assign any of our rights and/or transfer, sub-contract,
 or delegate any of our obligations under these Terms.
 
-ENTIRE AGREEMENT
+Entire agreement
+----------------
 
 This Agreement sets forth the entire understanding and agreement as to the
 subject matter hereof and supersedes any and all prior discussions,
@@ -289,7 +317,8 @@ prior versions of this Agreement) and every nature between 
us. Except as
 provided for above, any modification to this Agreement must be in writing and
 must be signed by both parties.
 
-QUESTIONS OR COMMENTS
+Questions or comments
+---------------------
 
 We welcome comments, questions, concerns, or suggestions. Please send us a
 message on our contact page at address@hidden.
diff --git a/contrib/update-tos.sh b/contrib/update-tos.sh
new file mode 100755
index 00000000..47d3af77
--- /dev/null
+++ b/contrib/update-tos.sh
@@ -0,0 +1,28 @@
+#!/bin/sh
+# This file is in the public domain
+
+# Should be called with the list of languages to generate, i.e.
+# $ ./update-tos.sh en de fr it
+
+# Error checking on
+set -eu
+echo "Generating TOS for ETag $VERSION"
+
+rm -f sphinx.log sphinx.err
+# We process inputs using Makefile in tos/ directory
+cd tos
+for l in $@
+do
+    mkdir -p $l
+    echo Generating TOS for language $l
+    # 'f' is for the supported formats, note that the 'make' target
+    # MUST match the file extension.
+    for f in html txt pdf epub xml
+    do
+        rm -rf _build
+        echo "  Generating format $f"
+        make -e SPHINXOPTS="-D language='$l'" $f >>sphinx.log 2>>sphinx.err < 
/dev/null
+        mv _build/$f/tos.$f $l/${VERSION}.$f
+    done
+done
+cd ..

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