Web3 Digital Wallet - Talao
Effective Date: December 4, 2023
"GENERAL TERMS AND CONDITIONS OF USE
**PLEASE CAREFULLY READ THESE GENERAL TERMS AND CONDITIONS OF USE (HEREINAFTER REFERRED TO AS "T&C") GOVERNING THE USE OF THE TALAO SERVICE. THESE T&C CONTAIN IMPORTANT INFORMATION REGARDING YOUR RIGHTS, REMEDIES, AND OBLIGATIONS.
BY USING THE Talao SERVICE, YOU UNCONDITIONALLY ACCEPT THESE GENERAL TERMS AND CONDITIONS OF USE, AND THEY APPLY TO ALL USERS.
THE PARTIES ACKNOWLEDGE THAT THEY HAVE RECEIVED ALL NECESSARY INFORMATION BEFORE COMMITTING, THROUGH THESE T&C AND ANY OTHER DOCUMENT BROUGHT TO THEIR ATTENTION."
This document aims to establish the terms and conditions under which Web3 Digital Wallet, hereinafter referred to as "the Provider," offers Users access to the Talao Service, hereinafter referred to as the "Service."
The User's access and use of the Service, as described in these T&C, signify their acceptance of these General Terms and Conditions of Use. These T&C are applicable to all Users.
Both parties declare that they have received all necessary information before committing, as provided in these T&C, and through any other documents that may be made available to them.
The Service is provided by the company WEB3 DIGITAL WALLET, a simplified joint-stock company, SIREN 910 399 435 (RCS Chartres), with its registered office at 112 RUE DES TUILERIES 28260 SAINT-OUEN-MARCHEFROY, France.
The Talao Wallet is a mobile application developed by Web3 Digital Wallet, available for both iOS and Android devices. You can conveniently download it from Apple's "App Store" and Google's "Play Store."
These General Terms and Conditions serve to establish the contractual relationship between Web3 Digital Wallet and users concerning access to and utilization of decentralized identity (DID) service.
Please note that Web3 Digital Wallet retains the right to make modifications to the service and, consequently, to these General Conditions whenever necessary. Such changes will take effect upon publication or on any specified date. Users will be duly notified of any alterations to the T&Cs. However, it remains the user's responsibility to refer to the most recent version of the T&Cs, which can be accessed at any time on the website: Talao.io.
The Talao Wallet is a non-custodial wallet software meticulously designed for managing Verifiable Credentials. As a non-custodial wallet software, users enjoy complete control and responsibility over their personal data and private keys.
The "Talao" Application provides Users access to a wide range of Services, which include:
1. Collecting Credentials: Users can collect Credentials from various partner third-party issuers, including Web3 Digital Wallet and other third-party companies or organizations. As of November 11, 2022, the list of available Credentials encompasses:
2. Storing Credentials: Users have the capability to securely store their collected Credentials throughout their validity period.
3. Presenting/Sharing Credentials: Users can share their Credentials with third-party websites or applications that require verification for access to their services.
Other parties (verifiers) can initiate identity requests to you through existing peer-to-peer connections. These requests come pre-filled with identity credentials already stored in the app. You have the option to manually update this information if additional relevant identity attributes are available. Upon your active consent to share this information, the selected identity credentials are transmitted to the requesting party.
The responsibility for storing your data lies with the requesting party, and they are accountable for legally compliant data handling. Web3 Digital Wallet assumes no responsibilities or obligations in this regard. The role of the Talao wallet is limited to facilitating the exchange of information among participants. If the requested identity information is not found within the app, you will receive an appropriate error message. The missing identity information must first be provided to you by another participant before the request can be fulfilled.
In cases where you choose not to respond to an identity request, you have the option to reject it. In such instances, no information will be shared with the requesting party.
Upon successful completion of credential requests, you will receive a confirmation message.
To use the Talao Wallet, you must either import an existing wallet or create a new one. When you create a wallet, you'll receive a Recovery Phrase. It's your responsibility to promptly notify us of any unauthorized use of your Recovery Phrase, private keys, or any other security breaches related to your wallet. You acknowledge and agree that you assume all risks associated with using our services and are solely responsible for maintaining the confidentiality and security of your Recovery Phrase and private keys.
When creating a wallet, we strongly recommend taking precautionary measures to prevent any loss of access or control over your wallet. These precautions may include, but are not limited to:
However, Web3 Digital Wallet holds no liability for any activities occurring on your wallet, whether authorized by you or not.
Talao's service is underpinned by innovative technologies, including Blockchain and Self-Sovereign Identity (SSI). It empowers users to maintain their digital identity on their smartphones, eliminating the need to store their data on identity provider servers.
User data is securely stored, either encrypted within the wallet or optionally encrypted on a server for recovery purposes. Users maintain exclusive access to their data and have the flexibility to transfer it to third parties for accessing services. Additionally, users are the sole entities authorized to collect data from organizations.
1°) Connection to a Third-party Site or Application from a Computer:
To accomplish this, follow these steps:
2°) Connection to a Third-party Site or Application from a Mobile or Tablet:
If you access the Talao.io site from a mobile or tablet, you will encounter an "open the application" or "download the application" button instead of a QR Code.
Users have the option to collect credentials for both age and identity verification from the following Issuers:
If you decide to utilize the La Poste Digital Identity Verification service, you must either possess an existing La Poste Digital Identity or create one. Before creating your La Poste Digital Identity, it's imperative that you carefully review and accept the terms and conditions provided by the Issuer. Failure to accept these terms and conditions will impede your ability to create your La Poste Digital Identity, consequently preventing you from collecting Credentials from this Issuer. By proceeding, you acknowledge and agree to these conditions. Once your La Poste Digital Identity is established, you can authenticate with the La Poste Digital Identity service and consent to share both your proof of age and identity. The proof of age is derived from the initial date of birth collected by the La Poste Digital Identity, and only the proof of age is retained by the Application. Your date of birth is neither collected nor stored by the Application.
Alternatively, if you choose to use the Remote Identity Verification Journey (PVID) by Docaposte, you will need to present an eligible identification document and complete a video recording of your face. The Remote Identity Verification Journey (PVID) offers a User authentication process that encompasses the examination of their identification documents through photography and a real-time verification process via a video challenge. This verification ensures that the individual in possession of these documents is indeed their rightful owner. Before initiating the Remote Identity Verification Journey (PVID), it is crucial to meticulously review and accept the terms and conditions provided by the Issuer. Failure to accept these terms and conditions will result in you being unable to utilize the Remote Identity Verification Journey (PVID) and subsequently unable to collect Credentials from this Issuer. By proceeding, you acknowledge and accept these conditions.
Service Availability:
Accessing the Service: Users can access the Service by downloading the Application from either the Apple "App Store" or Google "Play Store." Acceptance of these Terms and Conditions is required through a checkbox during the Wallet creation process.
Wallet Initialization: Upon downloading the Application, users must follow the Wallet initialization procedures outlined in the "Conditions of Use" section.
Provider's Efforts:
Eligibility and Scope of Use:
The Talao wallet services are designed for both personal and enterprise use. This Agreement is legally binding between the user (“User”, “you”, or “your”) and Talao (“Operator”, “we”, “us”, or “our”). If you are entering into this agreement on behalf of a business, organization, or any other legal entity (“Entity”), you represent that you have the authority to bind such Entity and its affiliates to these terms and conditions. In such cases, “User”, “you”, and “your” shall refer collectively to the individual and the Entity. If you do not possess such authority, or if you do not agree with these terms, you must not accept this agreement and may not access or use the Talao wallet services.
By accessing and utilizing the Talao wallet services, you acknowledge that you have read, comprehended, and agree to adhere to the terms of this Agreement. You recognize that this Agreement, although electronic and not physically signed by you, constitutes a contract between you and Talao and governs your use of the services.
It is the responsibility of the User, whether an individual or an Entity, to use the Talao wallet services in accordance with all applicable laws, regulations, and policies, and to ensure the confidentiality and security of their account and related information.
Wallet Initialization and Terms:
Digital Identity and Security:
Prohibited Actions: Users are prohibited from taking actions that may disrupt the Service or infringe upon the rights and interests of the Provider or other users.
Deletion of Wallet: Users have the option to delete their Wallet at any time via the "Settings" section of the Application, with confirmation required for deletion.
Service Guarantee and Responsibility:
User Obligations:
Prohibited actions:
Provider's Rights and Monitoring:
Definition and Effects:
Provider's Efforts:
Liability Disclaimer: It is explicitly agreed between the Parties that the extraordinary implementation of these interim measures by Web3 Digital Wallet during a force majeure event will not result in any liability or compensation claim against Web3 Digital Wallet.
The Provider takes security seriously and strives to protect the Service. However, it's essential to remember that the Internet is not entirely secure. Users are responsible for safeguarding their data by taking necessary precautions, including backups.
The Provider is not liable for computer virus infections or related consequences. Users must ensure the security of their data, files, networks, and hardware. If any service issues or malfunctions occur, users should promptly inform the Provider.
In the event of a security breach, the Provider will notify the user promptly and provide guidance on necessary actions.
To enhance the security of your Talao Wallet, consider the following best practices:
The Provider complies with the European General Data Protection Regulation (GDPR) and prioritizes the security and confidentiality of user data.
Personal data of users undergo processing by the Provider to deliver the Service, as outlined in the "Object of the Service" section. Processing is based on user consent.
The Provider retains personal data and documents for the duration of Service usage, allowing users to delete them at any time. Personal data related to a user's Wallet and technical data are deleted when the user deletes their Wallet.
The Provider does not sell personal data for commercial or marketing purposes to partners without the user's express consent.
In accordance with the GDPR and the Data Protection Act, users have the right to access, correct, complete, update, or delete their personal data. To exercise these rights, users can contact us via email at [email protected].
If users encounter difficulties regarding their personal data, they may file a complaint with the CNIL or the relevant supervisory authority.
Data Processing Conditions: The conditions governing the processing of personal data are detailed in Talao's privacy and data protection policy, which can be accessed here: Privacy and Data Protection Policy.
Using the Service doesn't transfer any intellectual property rights from the Provider to the user. The Provider owns exclusive rights to elements such as trademarks, designs, images, and more, protected by copyright, trademark, patent, and other applicable intellectual property laws.
Reproducing or representing any of these elements without the Provider's explicit permission is prohibited and may result in legal consequences. Users must refrain from actions that could infringe on the Provider's intellectual property rights.
Users have the right to use the Service on a non-exclusive, revocable, non-transferable, and non-assignable basis solely for Service use, with no other purposes allowed.
Users retain full ownership of any intellectual property rights related to the content they store on Talao Wallet.
Subcontracting Rights: Web3 Digital Wallet reserves the right to delegate some or all of the services outlined in these conditions to another subcontracting company of its choice. In such cases, Web3 Digital Wallet remains solely responsible to the user, with the condition that it may take action against its subcontractors if necessary.
Complaint Procedure: All complaints should be directed to our customer service. The processing of complaints follows the terms and conditions outlined in the Terms and Conditions agreement.
Customer Service can be reached here : [email protected]
Applicable Law: The terms and conditions governing the use of the Service are subject to French law, regardless of the user's location.
Dispute Resolution: In case of any dispute arising from the interpretation or execution of these Terms, the parties commit to seeking an amicable resolution.
Disputes Involving Client Services: For disputes related to services subscribed to by the client of the supplier, users are encouraged to directly contact the client's complaint service.
Exclusive Jurisdiction for Professional Users: In the absence of an amicable solution, disputes involving professional users will fall under the exclusive jurisdiction of the Tribunals of Créteil. This applies even in cases involving multiple defendants, warranty claims, emergency procedures, or conservatory procedures in summary or by application.
Jurisdiction for Consumer Users: For consumer users and in the absence of an amicable solution, any dispute arising from the interpretation or execution of these Terms shall be submitted to a jurisdiction as prescribed by the Code of Civil Procedure or to the jurisdiction of the user's residence at the time of accepting the Terms and Conditions or when the harmful act occurred.
Additional Note for USA and Canada Residents: If you reside in the USA or Canada, any dispute or claim related to these terms and conditions or your use of Web3 Digital Wallet will be resolved through binding arbitration, except for claims that qualify for small claims court. The Federal Arbitration Act and federal arbitration law apply to this agreement. Arbitration will be conducted by the American Arbitration Association (AAA) under its rules, and any dispute resolution will be conducted individually, not as part of a class or consolidated action. You may also bring suit in a California state or federal court to enjoin intellectual property rights misuse. Yoti (USA) Inc and Yoti Limited are beneficiaries of this arbitration clause when you use the age estimation service.
Acceptance of Terms and Conditions: The creation of a Wallet, connection, and use of the Service by the User are contingent upon their express and unconditional acceptance and compliance with these Terms and Conditions.
Acceptance Confirmation: Acceptance of these Terms and Conditions is indicated by a checkbox duly checked by the User, confirming that they have read and agreed to these Terms and Conditions.
Amendment and Violation of Terms:
The Provider has the right to modify these Terms of Use at any time without prior notice to accommodate changes in the Service or its operation.
In such a situation, users must agree to the updated Terms of Use by checking a box under the same conditions outlined in the "Scope of the Terms of Use" section. If a user doesn't agree to the new Terms of Use, they won't be able to continue using the Service.
Users will receive notifications within the Talao application regarding any changes or updates to the Terms of Use. It is essential to regularly check for notifications within the app to stay informed about any modifications to the Terms of Use.
As per Article 1366 of the Civil Code, communications between the User and the Provider can be conducted through various electronic means. Therefore, the Provider may send information to the User using electronic and digital methods.
The User acknowledges that records and backups created on the platform will serve as valid evidence between both parties. In the event of a dispute, electronic documents will be legally binding for both parties.
Comprehensive Agreement: These terms and conditions, along with the associated documents they reference, constitute the entire agreement between the User and the Supplier concerning the Service. They supersede all prior or contemporaneous discussions, written or oral commitments, and correspondence. Users are strongly encouraged to either print or save a copy of these terms and conditions for their personal records.
Preference for English Version: In the event that these terms and conditions are translated into one or more languages, the English version shall take precedence in cases of any discrepancy or inconsistency between the translated version(s) and the English version.