Open Bank Project Sandbox Terms of Service

1 Definitions
1.1 The “Bank” or “Customer” refers to Jordan Payments & Clearing Company (JOPACC), a private shareholding company registered in the Hashemite Kingdom of Jordan under registration number (1178), whose registered office is at Wadi Saqra, Arar Street, Building # 195, 5th Floor, Amman, Jordan, represented herein for the purposes of signing this Agreement by the authorized signatory and CEO Mrs. Maha Bahou.
1.2 “Sandbox” refers to the technical development environment deployed for the Bank and powered by Open Bank Project technology. The Open Bank Project provides an open banking platform for banks.
1.3 “TESOBE”, “Provider” or “We” refers to TESOBE GmbH, the owner of the Open Bank Project intellectual property and the organisation that runs the Open Bank Project.
1.4 “User” or “You” or “Developer” refers to a user of the Open Bank Project Sandbox; a person or entity who will interact with the APIs, functions and data provided by the Sandbox.
1.5 "Services" refers to the set of applications required for the proper functioning of the Sandbox. Including but not limited to the OBP API and developer portal, API Explorer, API Manager, API Tester, authentication services, SDKs, email notifications, applications, and widgets, and any information, text, graphics, photos, logos, graphics, designs, page headers, button icons, scripts, service names, data or other materials uploaded, downloaded or appearing on the Services (collectively referred to as "Content").

2 Introduction
2.1 The aim of the Sandbox is to facilitate the rapid creation of innovative “FinTech” and banking related applications leveraging the test data and Services provided by the Sandbox.
2.2 The use of the Sandbox is free to Developers. Neither the Bank nor the Provider have any obligation to use the applications or ideas created using the Sandbox or to buy or otherwise contract with the Users.
2.3 These Terms of Service ("Terms") govern your access to and use of the Services. Your access to and use of the Services are conditioned on your acceptance of and compliance with these Terms in full. By accessing or using the Services you agree to be bound by these Terms. If you disagree with these Terms or any part of them, you must not use these Services.
2.4 If there is a conflict between this Agreement and the general Open Bank Project terms of use, this Agreement will prevail.
2.5 You will be deemed to have accepted the terms of this Agreement as soon as you start using the Services.
3 Who Can join
3.1 Each User will have to register for a developer account before accessing the Services.
3.2 Users must be 13 years or over unless they are accompanied by a responsible guardian. Proof of date of birth or permission may be requested.
3.3 The Bank and the Provider may limit certain functionalities of the Sandbox to certain Users
3.4 The Bank and the Provider reserve the right to refuse entry, or remove a User from the Sandbox at their sole discretion at any time for any reason.

4 Responsibilities
4.1 Provider Responsibilities
TESOBE commits to do its best efforts to provide the following:
(a) A stable and secure Sandbox environment available as per the SLA below
(b) Monitoring and maintenance of the Sandbox
(c) Periodic updates
(d) Test Data that can be used by Users in their applications
(e) Clear Documentation for the available APIs and code examples in selected programming languages
(f) Support to the Users as per the SLA below

4.2 User Responsibilities
You acknowledge and agree that you:
(a) Will use the Sandbox in a reasonable manner as defined in the Acceptable Use below
(b) Shall provide accurate information and reasonable assistance to the Provider in relation to your use of the Services when required
(c) Will never try to de-anonymise personal data when available
(d) Explicitly notify your users that the application uses a Sandbox instance powered by Open Bank Project and uses test data.
(e) Will never use the Sandbox with an intention to harm or be deceitful to end users
(f) Will consider contributing to the Open Bank Project open source project with new features, requests or bug fixes.

5 Applicable Fees
5.1 The Sandbox is free for developers to use.

6 Data Provenance
6.1 The data has been generated by the Provider. In general it is test data involving no real customer information. However, depending on the end point and/or OBP instance you are using, a combination of synthetic and anonymised data may be available. Please ask our support for more information.
6.2 It may be possible to upload your own dataset to the Sandbox if you have a specific requirement. Please do get in touch with the TESOBE team to enable that.

7 Available APIs
7.1 This Sandbox offers a catalogue of over 600 RESTful APIs.
7.2 In general, you can build customer-facing Apps meant to be used by bank account holder, using data from this private account and involving accounts, transactions, balances, metadata, entitlements, payments, onboarding and KYC - such as Personal Finance Management Solutions, online accounting services, saving apps, P2P payment...etc.
7.3 You can see a sample list of available APIs below:
• Banks
• Users
• Customers
• Accounts
• Counterparties
• FX
• Transactions
• Payments & Transaction Requests
• Branches & ATMs
• Products
• KYC
• Transaction and Counterparty metadata enrichment
• Entitlements & Views.
• Manage credit/debit cards
7.4 For a full list of all available APIs, please refer to the API Explorer of this Sandbox. You can find it here https://obp-apisandbox.joinfincubator.com/?locale=en_GB

8 Maintenance & Service-Level Agreement (SLA)
8.1 Our commitment to availability of the Services is limited to the Services and does neither include possible discomfort nor technical problems related to Banks and/or any type of external connection. However, TESOBE will use its reasonable endeavours to provide the best possible quality of service from them and to maintain the Sandbox so as not to cause disruption to your users.
8.2 TESOBE agrees to ensure 99,7% availability regarding the quality and continuity on a 12 continuous months basis.
8.3 However, TESOBE cannot guarantee the total reliability in transaction retrieval, which can be subject to, in addition to cases of Force Majeure as commonly understood, interruptions in the service of one or more banks due, for example and not limited to, bank maintenance and technical interruptions or end-user technical interruptions.
8.4 TESOBE reserves the right to plan service interruptions for tests, updates and/or network traffic improvement operations.
8.5 TESOBE ensures by all possible means to give prior information to the Customer when considerable service disruptions are to be expected.
8.6 A “Standard” help desk support (10am to 5pm CET / Monday - Friday excluding holidays) is available for all customers. Customers may upgrade for “24/7” Help Desk support.
8.7 For each reported issue, a ticket number is assigned and a technical specialist is appointed. A customer support agent will regularly update the customer regarding this issue.
8.8 Support is provided through two channels:
(a) Email (via contact@openbankproject.com) and
(b) Rocketchat https://chat.openbankproject.com/

9 Data Privacy
9.1 TESOBE is committed to privacy and commits to never re-use the end-user’s identifiable data for any commercial purpose. See Privacy Statement in annex for more details.
9.2 YOUR USE OF THE SERVICES, OR YOUR PROVISION TO US OF ANY PERSONAL INFORMATION CONSTITUTES YOUR AGREEMENT TO THESE TERMS AND ANY SUBSEQUENT CHANGES TO THESE TERMS; DO NOT USE THE SITE OR PROVIDE INFORMATION IF YOU DO NOT AGREE WITH ALL OF THE TERMS.
9.3 You may cache data for up to one week.
9.4 You may not feed the data into any system that supplies other applications. In other words, you must not resell the data feed to others. The exception to this are any Open Data Feeds that the account holder may define.

10 Account Creation & Authentication
10.1 To start using the Services, Users needs to create an account on the Sandbox.
10.2 Developers are provided with Consumer Keys which are enabled by default. Bank and Provider can review and disable Consumers.
10.3 The Sandbox supports four authentication methods:
(a) OAuth 1.0a (industry standard, secure, used by Mastercard and Twitter),
(b) OAuth 2 + OpenID Connect from providers such as Google.
(c) Direct Login (easier to use than OAuth, useful for hackathon contexts and trusted applications, uses JWT)
(d) Gateway login only if specifically enabled for a trusted internal environment.
10.4 We recommend the use of Direct Login for the purpose of using this sandbox for ease of use.

11 Branding, Trademarks, Intellectual Property
11.1 The developer app using the Sandbox must explicitly mention that the app is “powered by Open Bank Project” and should comply with branding rules as defined by TESOBE. Non-compliance with branding rules may then become a reason for shutting off applications.
11.2 TESOBE, Open Bank Project, openbankproject.com and other Open Bank Project graphics, logos, designs, page headers, button icons, scripts, and service names are registered trademarks, trademarks or trade dress of TESOBE. Open Bank Project’s trademarks and trade dress may not be used in connection with any product or service without the prior written consent of TESOBE.
11.3 TESOBE either owns or has permission from the owner to use the Content.
11.4 TESOBE remains the copyright holder of the Open Bank Project brand, Sandboxes, source code and logos and shall own and retain all right, title and interest, all improvements, enhancements or modifications and all intellectual property rights related to any of the foregoing.
11.5 All intellectual property rights in the ideas and applications of a User shall remain vested in the participant who owns them.
11.6 Any third party intellectual property rights shall remain vested in the third party or third parties who own them.
11.7 Third party intellectual property rights must be clearly identified by the participants as well as the applicable terms of licence and other details relating to use of same.
11.8 Participants agree that they will not infringe the copyright, design, database right or trademark or any other intellectual property rights of any third party including of TESOBE or the Bank.
11.9 User may issue a press release referencing the use of the Sandbox subject to written consent from the Bank or the Provider.
11.10 User agrees to reasonably cooperate with the Bank or the Provider to serve as a reference account upon request.
11.11 Provider reserves the right to add the User to its “OBP featured app programme”. The featured app programme offers Users:
(a) visibility and exposure to hundreds of banks via the OBP website and newsletter;
(b) direct introductions & opportunities to run PoC with leading financial institutions in Europe and abroad;
(c) premium technical support from our team.

12 API Versioning
12.1 API Versions. It is understood that TESOBE will periodically deploy new versions of the API sandbox to incorporate new features and fixes.
12.2 API Version Naming, compatibility and life time (For versions greater than 2.2.0,) the API versioning used by OBP is based on SemVer (http://semver.org/) i.e. X.Y.Z where X is the major version, Y is the minor version and Z is the patch.
12.3 The version can be specified via the URL e.g. /obp/v1.2.1/banks
Note that you cannot specify build versions (e.g. v1.2.1+r3456) via the URL.
12.4 If you want to be sure to get a certain version, specify the full patch e.g. 1.3.4. If you do not specify a patch version e.g 1.3 instead of 1.3.4 we may return the highest patch version available for that minor version i.e. 1.3.9
12.5 TESOBE ensures that the last three minor versions are available on the OBP API server. e.g. if versions 2.3.0, 2.4.0 and 3.0.0 are available on the server and 3.1.0 is added, 2.3.0 may be removed as long as the minimum lifetime of a minor version is respected.
12.6 The minimum lifetime of a minor version is 6 months.
12.7 API Version change notifications. Notice is given by email when a new major or minor version is released. Two months prior notice is given by email when a minor version will be removed.
12.8 Versions marked as –alpha or –draft are subject to change without notice.
12.9 Build versions may change without notice but new deployments are announced.

13 Acceptable use
13.1 You must not use the Service in any way that causes, or may cause, damage to the Services or impairment of the availability or accessibility of the Services; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.
13.2 You must not use the Service to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.
13.3 You must not use the Service to transmit or send unsolicited commercial communications.
13.4 You must not use the Service for any purposes related to marketing without Provider express written consent.
13.5 Fair Usage Policy - TESOBE maintains a fair usage policy to ensure stable and fast service to all users and to protect from DDOS attacks. Sandbox accounts are limited to 1000 API Calls per hour. Any additional usage may result in restrictions on your account including limited access to the service or a requirement to upgrade if the limit is exceeded for several months.

14 Termination
14.1 The Provider may terminate or suspend any and all Services and/or your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach terms and privacy rules, undesirable content rules, commercial restrictions or usage limits.
14.2 Where any of the factors for suspension cease to exist then, the Bank and the Provider reserve the right to reinstate your account.
14.3 Upon termination of your account, your right to use the Services will immediately cease. If you wish to terminate your account, you may simply discontinue using the Services. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

15 No warranties
15.1 This service is provided “as is” without any representations or warranties, express or implied. Neither the Bank nor the Provider makes no representations or warranties in relation to this Service or Content.
15.2 Without prejudice to the generality of the foregoing paragraph, the Bank and the Provider does not warrant that: the Services will be constantly available, or available at all.
15.3 Nothing on the Services constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal or financial matters you should consult an appropriate professional.
15.4 Provider shall not be liable for any failure to perform its obligations hereunder where such failure results from any cause beyond the Provider’s reasonable control, including, without limitation, mechanical, electronic or communications failure or degradation (including "line-noise" interference) or Force Majeure events as commonly understood.

16 Limitations of Liability
16.1 Notwithstanding anything to the contrary, except for bodily injury of a person, The Bank, Provider and its suppliers (including but not limited to all equipment and technology suppliers), officers, affiliates, representatives, contractors and employees shall not be responsible or liable with respect to any subject matter of this agreement or terms and conditions related thereto under any contract, negligence, strict liability or other theory:
(a) for error or interruption of use or for loss or inaccuracy or corruption of data or cost of procurement of substitute goods, services or technology or loss of business;
(b) for any indirect, exemplary, incidental, special or consequential damages;
(c) for any matter beyond TESOBE’s reasonable control; or

17 Miscellaneous
17.1 Without prejudice to Provider’s other rights under these terms and conditions, if you breach these terms and conditions in any way, TESOBE may take such action as TESOBE deems appropriate to deal with the breach, including suspending your access to the Services, prohibiting you from accessing the Services, blocking computers using your IP address from accessing the Services, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.
17.2 Provider may transfer, sub-contract or otherwise deal with TESOBE’s rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.
17.3 You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.
17.4 No agency, partnership, joint venture, or employment is created as a result of the Terms and you do not have any authority of any kind to bind the Bank or Provider in any respect whatsoever. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder.
17.5 These terms and conditions, together with the Privacy Statement constitutes the entire agreement between you and the Provider in relation to your use of this service, and supersede all previous agreements in respect of your use of this service.
17.6 Provider may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this Service from the date of the publication of the revised terms and conditions.
17.7 If this agreement is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that this agreement will otherwise remain in full force and effect and enforceable.
17.8 This Agreement shall be governed by and construed in accordance with the laws of Germany, excluding its conflicts of law provisions and each party hereby submits to the exclusive jurisdiction of the courts of Berlin/Germany. In the event of any potential dispute, the parties agree to engage in mediation before they submit a claim to the courts of Berlin/Germany. The seat of mediation will be London, United Kingdom and both parties must approve the appointed mediator.

18 Contact Information
TESOBE is the company behind the Open Bank Project and the on maintaining this Service. You can contact us via:


TESOBE:
Address Osloer Strasse 16/17, Berlin 13359, Germany
Phone +49 (0)30 8145 3994
Twitter @OpenBankProject
Email contact@openbankproject.com

JOIN Fincubator:
Address Wadi Saqra, Arar Street, Building # 195, ground Floor, Amman – Jordan
Phone +962 6 461 1888
Twitter @JOINFincubator
Email info@joinfincubator.com

For any questions about this terms or about our data privacy policy, please email mydata@tesobe.com

For any technical queries, please reach out to us via our chat platform on https://chat.openbankproject.com/home