Terms of Use

1.1 In these Terms of Use (Terms): Service means the Taler.uno website, its sub-pages and any related online portals, forums, community spaces or tools where these Terms are presented or referenced. Association, Operator, we, us or our means the non-profit association identified as the operator of Taler.uno in the Imprint / Legal Information. User or you means any natural person or legal entity that accesses or uses the Service, whether or not they create a profile or log in. Community Account means a user account created on Taler.uno (or a linked portal) that allows you to participate in community features such as posting, commenting or taking part in discussions or initiatives. Content means any text, images, code, data, links or other material published or made available through the Service. User Content means Content that is created, uploaded, submitted or otherwise provided by Users. Applicable Law means all laws and regulations that apply to the Association and the Service, including in particular Austrian law and directly applicable European Union law.

1.2 If there is any inconsistency between these Terms and the Imprint / Legal Information, the Imprint / Legal Information prevails in respect of the identification and legal details of the Association.

1.3 These Terms govern your access to and use of the Service. Additional terms may apply to specific features, projects or campaigns; where this is the case, those terms will be presented together with the relevant feature and will prevail for that feature if they conflict with these Terms.

2.1 By accessing or using the Service, creating a Community Account, participating in community spaces or clicking to accept these Terms where this option is made available, you agree to be bound by these Terms.

2.2 If you do not agree to these Terms, you must not use the Service.

2.3 If you use the Service on behalf of a legal entity, you represent and warrant that you are authorised to bind that entity to these Terms, and references to "you" include that entity.

3.1 You may use the Service only if: you have the legal capacity to enter into a binding contract in your jurisdiction, and your use of the Service is not prohibited under Applicable Law.

3.2 You must not use the Service if: you are prohibited by law from doing so, your use would require the Association to obtain a licence or authorisation that it does not hold, or your use would be inconsistent with the non-profit and public-benefit nature of the Association's activities as set out in its Statutes.

3.3 The Service is designed as a community and information platform, not as a commercial marketplace. Nothing in the Service is intended to create a broker-client, investment adviser-client, bank-client or similar regulated relationship between you and the Association.

4.1 The Association is a non-profit entity whose purposes, internal structure and member rights are defined in its Statutes.

4.2 Use of the Service and creation of a Community Account do not by themselves make you a member of the Association under Austrian association law. Membership, voting rights, the role of founding members and other internal matters are governed exclusively by the Statutes and any internal membership policies adopted under them.

4.3 Creating an account or using the website does not automatically make you a member of the Association and does not grant voting rights. Membership arises only if and when you are admitted as a member in accordance with the Association's statutes (for example, following an application and acceptance by the board, or via another board-designated membership mechanism).

4.4 If you become a member of the Association, your rights and obligations as a member arise from the Statutes and internal decisions of the Association's organs, not from these Terms. These Terms regulate only your use of the Service as a website and online community.

4.5 In the event of a conflict between these Terms and the Statutes regarding internal association matters, the Statutes prevail within the scope of the association relationship.

5.1 The Service is intended to support: information and communication about the Association's projects and activities, community discussion and collaboration around commons-oriented digital infrastructures and related topics, and experimentation with and presentation of digital tools, prototypes and concepts aligned with the Association's purposes.

5.2 The features available via the Service may include, among other things: public pages, articles and documentation, community forums, comment sections or collaborative spaces, event pages or participation tools, and interfaces to experimental software or digital infrastructures developed or supported by the Association or partners.

5.3 We may add, modify, suspend or remove features of the Service at any time, provided we comply with Applicable Law. We do not guarantee that any particular feature will remain available or unchanged.

5.4 Unless expressly stated otherwise, the Service is provided for information, research and educational purposes. It does not provide payment accounts, custody of assets, trading functions or regulated financial services.

5.5 References on the Service to 'Taler' projects or tools may include initiatives operated by separate legal entities. Unless expressly stated otherwise, such entities are legally distinct from the Association, and the Association is not responsible for their services or activities.

6.1 You may need a Community Account to access certain features of the Service. The specific registration and login process may vary over time.

6.2 You are responsible for maintaining the confidentiality and security of your Community Account credentials and for all activities carried out using your account.

6.3 You must notify us without undue delay if you become aware of any unauthorised access to your Community Account or any suspected security breach.

6.4 We may implement security measures such as multi-factor authentication, rate limiting or IP-based restrictions. You must follow any security-related instructions we provide.

6.5 We are not responsible for losses arising from unauthorised access to your Community Account where such access results from your failure to keep your credentials secure or to follow our security instructions, except where we are required to accept responsibility under mandatory law.

7.1 You retain any rights you hold in User Content that you submit or make available through the Service, subject to the licence granted in this Section.

7.2 By submitting User Content, you grant the Association a non-exclusive, worldwide, royalty-free, sublicensable licence to use, reproduce, store, adapt, translate, publish, publicly display, distribute and make available that User Content in connection with operating, promoting and improving the Service and the Association's public-benefit activities, for as long as the Content is available on the Service and for a reasonable period thereafter for backup, archival and evidence purposes.

7.3 You represent and warrant that: you have all rights and permissions necessary to grant this licence, and your User Content does not infringe any third-party rights or violate Applicable Law or these Terms.

7.4 We may, but are not obliged to, pre-screen or monitor User Content. We reserve the right to remove or hide User Content or to restrict or close your Community Account if we reasonably believe that the Content or your use of the Service: violates these Terms or the Code of Conduct, infringes rights of others, breaches Applicable Law, or poses a risk to the safety, integrity or reputation of the community or the Association.

7.5 Unless explicitly stated otherwise, all intellectual property rights in the Service itself (including software, design, text, graphics, logos and other Content created by or for the Association) are owned by the Association or its licensors. We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for its intended purposes in accordance with these Terms.

8.1 The Association maintains a Code of Conduct for the Taler.uno community. The Code of Conduct sets out expected behaviour, prohibited conduct and the consequences of violations.

8.2 By using community features of the Service (such as forums, comments or collaborative tools), you agree to comply with the Code of Conduct, which forms part of these Terms by reference.

8.3 Without limiting the Code of Conduct, you must not, directly or indirectly: harass, threaten, abuse or defame other Users or third parties, publish discriminatory, hateful, extremist or otherwise unlawful Content, incite or promote illegal activity or violence, doxx or otherwise disclose sensitive personal information without consent, promote scams, fraudulent schemes, misleading "investment opportunities" or unlicensed financial products, attempt to impersonate the Association or its representatives, or mislead others as to your role or affiliation.

8.4 We may, at our discretion and where permitted by law, take measures in response to violations of these Terms or the Code of Conduct, including: warnings, deletion or editing of User Content, temporary or permanent suspension of Community Accounts, technical measures to prevent access to community spaces, and if applicable, initiation of internal association procedures under the Statutes, including exclusion of members.

9.1 In line with the Association's Statutes, the Association does not provide financial services within the meaning of Austrian or EU financial regulation. In particular, it does not perform activities that would require authorisation under the Austrian Payment Services Act 2018, the Austrian E-Money Act 2010 or Regulation (EU) 2023/1114 (MiCA).

9.2 The Association does not: accept or hold client funds or assets in custody, operate a trading or exchange platform for financial instruments or crypto-assets, or act as a broker, dealer, portfolio manager or investment adviser.

9.3 Any descriptions of technologies, protocols, tokens, digital tools or experimental infrastructures on the Service are provided for information, research and educational purposes only. They do not constitute: investment, legal, tax or financial advice, a recommendation or invitation to buy, sell or hold any asset, or a public offer or solicitation to participate in any investment or financing scheme. More detailed community rules on discussions about tokens, money and law are set out in the Code of Conduct, which forms part of these Terms.

9.4 You remain solely responsible for: assessing the risks of any activity you undertake based on information found on or linked from the Service, and ensuring your own compliance with tax, regulatory and other legal obligations.

10.1 The Service may contain links to or integrations with third-party websites, applications, tools or protocols (collectively, Third-Party Services).

10.2 Your use of Third-Party Services is at your own risk and is governed by the terms and policies of the relevant third party. We are not responsible for the content, performance, availability, security or legality of Third-Party Services.

10.3 Unless expressly stated otherwise, references to Third-Party Services on the Service do not constitute an endorsement or recommendation by the Association.

11.1 The Service is provided on an "as is" and "as available" basis. To the maximum extent permitted by Applicable Law, we do not make any warranties or representations, express or implied, regarding the Service, including but not limited to: its availability, accuracy, completeness or reliability, its suitability for any particular purpose, or that it will be uninterrupted, secure or free from errors, defects or harmful components.

11.2 In particular, we do not warrant and are not responsible for: the correctness or usefulness of User Content, experimental or prototype tools or interfaces presented on or via the Service, or the behaviour of other Users or third parties.

12.1 Any claim or demand relating to the Service or these Terms must be brought only against the Association as a legal entity. To the maximum extent permitted by Applicable Law, you agree that no individual person acting as a member of an organ of the Association, employee, contractor or volunteer shall have personal liability towards you in connection with the Service.

12.2 Nothing in these Terms excludes or limits liability that cannot be excluded or limited under Applicable Law, including liability for wilful misconduct, gross negligence or, where Applicable Law so requires, for death or personal injury caused by negligence.

12.3 Subject to Section 12.2 and to any mandatory consumer rights: we are not liable for any loss of profit, loss of business, loss of opportunity, loss of data, loss of goodwill or for any indirect, consequential or punitive damages; and our total aggregate liability to you arising out of or in connection with the Service and these Terms, whether in contract, tort (including negligence), breach of statutory duty or otherwise, is limited to EUR 500.

12.4 We are not liable for any loss or damage arising from: your failure to maintain the security of your Community Account or credentials, your reliance on User Content or on experimental tools or interfaces, any suspension, restriction or closure of your Community Account carried out in good faith in accordance with these Terms or our legal obligations, or events beyond our reasonable control, including failures of networks, communication lines, power supplies, hardware or software not solely controlled by us, or actions of third parties.

12.5 If you are a consumer, the limitations in this Section 12 apply only to the extent permitted by the consumer protection laws of your country of residence.

12.6 The exclusions and limitations of liability in this Section 12 extend to the Association's organs, members of those organs, employees, contractors and volunteers, and to persons acting on its instructions, to the same extent as they apply to the Association.

13.1 If you are not using the Service as a consumer, you agree to indemnify and hold harmless the Association, its organs, employees and volunteers from and against any claims, demands, losses, damages, costs and expenses (including reasonable legal fees) arising out of or in connection with: your breach of these Terms or of Applicable Law, your User Content, or your use of the Service in a manner that is unlawful or infringes the rights of any third party.

13.2 This indemnity does not apply to the extent that the relevant claim results from the Association's wilful misconduct or gross negligence.

14.1 We may modify, suspend or discontinue any part of the Service at any time, provided we comply with Applicable Law.

14.2 We may update these Terms from time to time, for example to reflect changes in law, our activities or our technical setup. The updated Terms will be published on the Service and will indicate the date of last update.

14.3 Where changes are material or where required by law, we will endeavour to inform you in advance through the Service or by other appropriate means.

14.4 Unless a different effective date is indicated, the updated Terms take effect when they are published on the Service. Your continued use of the Service after the updated Terms take effect constitutes your acceptance of them.

14.5 If you do not agree to the updated Terms, you must stop using the Service and may request deletion of your Community Account, subject to our retention obligations under Applicable Law and our Privacy Policy.

15.1 Subject to Section 15.2, these Terms and any non-contractual obligations arising out of or in connection with them are governed by the laws of Austria, without regard to conflict-of-laws rules.

15.2 If you are a consumer resident in the European Union, you may also benefit from mandatory consumer protection rules of your country of residence, and nothing in these Terms affects those rights.

15.3 Disputes that arise purely from the internal association relationship between members and the Association are subject to the internal dispute resolution mechanism (Schiedsgericht) described in the Statutes.

15.4 Other disputes relating to your use of the Service (for example, between the Association and a non-member User) are subject to the ordinary courts. The courts of Vienna, Austria, have non-exclusive jurisdiction, without prejudice to any mandatory rules on consumer forum.

15.5 The European Commission's online dispute resolution (ODR) platform is available at: https://ec.europa.eu/consumers/odr. Unless required by law, the Association does not undertake to use any specific alternative dispute resolution body.

16.1 Contact details for the Association, including postal address and email, are set out in the Imprint / Legal Information on this website.

16.2 If any provision of these Terms is found to be invalid or unenforceable, that provision will be enforced to the maximum extent permitted, and the remaining provisions will remain in full force and effect.

16.3 You may not transfer or assign your rights or obligations under these Terms without our prior written consent. We may assign or transfer our rights and obligations under these Terms to another non-profit entity that continues the Association's public-benefit purposes, provided this does not materially prejudice your rights under these Terms.

16.4 No failure or delay by the Association in exercising any right or remedy under these Terms shall be construed as a waiver of that right or remedy.