@orangecheck/legal 0.6.1 → 0.7.1

package/dist/index.mjs

@@ -812,9 +812,9 @@ var terms2 = {
   kind: "terms",
   eyebrow: "terms",
   title: "Terms of service",
-  description: "The terms governing your use of me.ochk.io \u2014 a Bitcoin-backed identity that pays you in sats. Federation-custodied by default, self-custody graduation, no KYC.",
+  description: "The terms governing your use of me.ochk.io \u2014 a Bitcoin-backed identity that pays you in sats. OrangeCheck-custodied during bring-up, federation custody and self-custody graduation as the destination, no KYC.",
   metaTitle: "Terms of Service \u2014 me.ochk.io",
-  metaDescription: "Terms of service for me.ochk.io: a Bitcoin-backed identity that pays users in sats. Federation custody, graduation to self-custody, no KYC.",
+  metaDescription: "Terms of service for me.ochk.io: a Bitcoin-backed identity that pays users in sats. OrangeCheck custody during bring-up, federation custody and self-custody graduation as the destination, no KYC.",
   effective: "2026-05-15",
   updated: "2026-05-15",
   preamble: [
@@ -837,7 +837,7 @@ var terms2 = {
         },
         {
           kind: "para",
-          text: "me.ochk.io is **not a bank, exchange, broker, or wallet provider.** It is an identity and reputation service with an attached cashback mechanism. OrangeCheck does not hold your funds \u2014 see section on custody below."
+          text: "me.ochk.io is **not a bank, exchange, broker, or wallet provider.** It is an identity and reputation service with an attached cashback mechanism. **During bring-up OrangeCheck operates every role in that mechanism, including custody of the balance it pays you.** That is a stage, not the design \u2014 see the custody section below for what holds today and what replaces it."
         }
       ]
     },
@@ -848,7 +848,7 @@ var terms2 = {
       blocks: [
         {
           kind: "para",
-          text: "You may create an identity two ways: **BIP-322** (you sign with your own Bitcoin wallet \u2014 full self-custody) or **email-OTP** (a one-time code; a federation-custodied wallet provisions in your browser). Both produce a stable, opaque `did:oc` identifier. No password is ever stored."
+          text: "You may create an identity two ways: **BIP-322** (you sign with your own Bitcoin wallet \u2014 full self-custody of your signing key) or **email-OTP** (a one-time code; you hold no key of your own, so OrangeCheck holds what you accrue during bring-up). Both produce a stable, opaque `did:oc` identifier. No password is ever stored."
         },
         {
           kind: "para",
@@ -951,7 +951,7 @@ var terms2 = {
         { kind: "subhead", text: "regulatory status" },
         {
           kind: "stub",
-          text: "me.ochk.io facilitates cashback that is custodied and disbursed by independent Fedimint federations; OrangeCheck does not itself custody, transmit, or take possession of user funds. The full regulatory analysis of this arrangement \u2014 including OrangeCheck\u2019s position under the U.S. Bank Secrecy Act money-transmission rules, the FATF Recommendations, the EU MiCA Regulation, and applicable U.S. state money-transmitter regimes, and the corresponding licensing posture \u2014 is being prepared and will be published before general availability. This section will be completed following review by counsel."
+          text: "me.ochk.io is designed so that cashback is custodied and disbursed by independent Fedimint federations. **Those federations do not exist yet. During bring-up OrangeCheck itself custodies and transmits the funds it pays to email-identity users**, because it is operating every role in the system in order to prove it works before third parties take any of them. Self-custody (BIP-322) users are unaffected: OrangeCheck never holds their keys or their funds. The full regulatory analysis of both the bring-up posture and the designed end state \u2014 including OrangeCheck\u2019s position under the U.S. Bank Secrecy Act money-transmission rules, the FATF Recommendations, the EU MiCA Regulation, and applicable U.S. state money-transmitter regimes, and the corresponding licensing posture \u2014 is being prepared and will be published before general availability. This section will be completed following review by counsel."
         }
       ]
     },
@@ -963,7 +963,7 @@ var terms2 = {
       blocks: [
         {
           kind: "para",
-          text: "**Your right:** stop using me.ochk.io at any time; you may delete your identity from `/me/settings`. **Our right:** suspend or terminate access with or without cause, including for abuse or legal risk. Before deletion you should sweep any federation-custodied balance to self-custody (the graduate flow) \u2014 anchored events on Bitcoin and Nostr-published envelopes are immutable and cannot be deleted by OrangeCheck. The disclaimer, liability, indemnification, governing-law, and dispute provisions survive."
+          text: "**Your right:** stop using me.ochk.io at any time; you may delete your identity from `/me/settings`. **Our right:** suspend or terminate access with or without cause, including for abuse or legal risk. Deleting your identity does not settle a balance OrangeCheck owes you, and during bring-up there is no sweep to self-custody to run first \u2014 no federation is bound. If your balance is above zero, bind a payout destination and instruct a cash-out before you delete, or contact us. Anchored events on Bitcoin and Nostr-published envelopes are immutable and cannot be deleted by OrangeCheck. The disclaimer, liability, indemnification, governing-law, and dispute provisions survive."
         }
       ]
     },
@@ -971,7 +971,7 @@ var terms2 = {
     disputeResolution,
     miscellaneous
   ],
-  summary: "summary: an identity that pays you in sats. orangecheck holds no keys and no funds. money, custody, fee, and regulatory terms are being finalized \u2014 see the marked sections."
+  summary: "summary: an identity that pays you in sats. if you sign in with your own bitcoin wallet, orangecheck holds no keys and no funds. if you sign in with email, orangecheck holds the paying key during bring-up, until independent federations take it over. money, custody, fee, and regulatory terms are being finalized \u2014 see the marked sections."
 };
 var privacy2 = {
   kind: "privacy",
@@ -1151,7 +1151,7 @@ var privacy2 = {
       blocks: [
         {
           kind: "para",
-          text: "From `/me/settings \u2192 advanced \u2192 delete` you can permanently revoke your OrangeCheck identity. A federation-custodied balance must be swept to your own wallet first (the graduate flow). OrangeCheck deletes the operational records it holds about you; events already anchored to Bitcoin headers or published to Nostr are immutable public records of fee flows and cannot be deleted by anyone."
+          text: "From `/me/settings \u2192 advanced \u2192 delete` you can permanently revoke your OrangeCheck identity. Deleting does not pay out sats OrangeCheck owes you, and there is no sweep to self-custody to run first: no federation is bound during bring-up. Settle a non-zero balance before you delete. OrangeCheck deletes the operational records it holds about you; events already anchored to Bitcoin headers or published to Nostr are immutable public records of fee flows and cannot be deleted by anyone."
         }
       ]
     },