*** English version below ***

********************************************************************************
LIZENZVEREINBARUNG

Copyright (c) 2014 joonis new media, Thimo Kraemer

1. Präambel

joonis new media, Inh. Thimo Kraemer ("Lizenzgeber"), stellt Ihnen
("Lizenznehmer") das Programm "PyFinTech" und dazugehörige Dokumentationen
(zusammen als "Software" bezeichnet) zur Verfügung. Die Software ist
nach deutschem Recht und durch internationale Verträge und Gesetze
urheberrechtlich geschützt.

2. Öffentliche Lizenz

Hiermit wird unentgeltlich jeder Person, die eine Kopie der Software
erhält, die Erlaubnis erteilt, die Software zu installieren und zu
verwenden, sie jederzeit nach Maßgabe der nachfolgenden Regelungen und
Bedingungen zu kopieren, verlegen und zu verbreiten, sofern diese
Lizenzvereinbarung in allen Kopien oder Teilkopien der Software
enthalten ist.

3. Unbefristete Single-User/Multi-CPU Lizenz

Der Lizenzgeber gewährt dem Lizenznehmer auf unbeschränkte Zeit das
einfache, nicht ausschließliche Recht, die Software auf einer
unlimitierten Anzahl von in seinem Besitz befindlichen Computern nach
Maßgabe des vereinbarten Verwendungszwecks und der nachfolgenden
Regelungen und Bedingungen zu installieren und zu benutzen, sofern das
Programm gleichzeitig nur auf einem Computer verwendet wird. Als
Gegenleistung für die dem Lizenznehmer überlassene unbefristete Lizenz
zur Nutzung der Software, zahlt der Lizenznehmer dem Lizenzgeber die
vereinbarte Lizenzgebühr.

4. Einschränkungen

Sie dürfen die Software nur in dem Ihnen in dieser Lizenz erlaubten
Umfang nutzen. Es ist Ihnen untersagt:

- die Software abzuändern, zu bearbeiten oder mit einem anderen
  Programm zu vermischen,
- die Software zurückzuentwickeln (Reverse Engineering), zu
  dekompilieren oder zu disassemblieren oder auf andere Weise zu
  versuchen, den Quellcode der Software zugänglich zu machen,
- die Software zu vermieten, zu verleasen oder zu verleihen,
- den Lizenzcode zu veröffentlichen oder zu verteilen.

5. Gewährleistung und Haftung

Nach dem derzeitigen Stand der Technik kann bei Software das Auftreten
von Programmfehlern nicht völlig ausgeschlossen werden. Gegenstand des
Vertrages ist daher nur eine Software, die im Sinne der
Programmbeschreibung und der Benutzungsanleitung grundsätzlich brauchbar
ist.

Aus diesen Gründen übernimmt der Lizenzgeber keine Haftung für die
Fehlerfreiheit der Software. Insbesondere übernimmt der Lizenzgeber
keine Gewährleistung dafür, dass die Software den Anforderungen und
Zwecken des Lizenznehmers genügt oder mit anderen von dem Lizenznehmer
ausgewählten Programmen zusammenarbeitet. Die Verantwortung für die
richtige Auswahl und die Folgen der Benutzung der Software sowie der
damit beabsichtigten oder erzielten Ergebnisse trägt der Lizenznehmer.

Der Lizenzgeber haftet nicht für Schäden die aufgrund der Benutzung
dieser Software oder der Unfähigkeit, diese Software zu verwenden,
entstehen (uneingeschränkt eingeschlossen sind Schäden aus entgangenem
Gewinn, Betriebsunterbrechung, Verlust von geschäftlichen Informationen
oder von Daten oder aus anderem finanziellem Verlust) auch wenn der
Lizenzgeber von der Möglichkeit eines solchen Schadens unterrichtet
worden ist. Dies gilt nicht, soweit wegen Vorsatzes oder grober
Fahrlässigkeit zwingend gehaftet wird.


********************************************************************************
LICENSE AGREEMENT

Copyright (c) 2014 joonis new media, Thimo Kraemer

1. Recitals

joonis new media, Inh. Thimo Kraemer ("Licensor"), provides you
("Licensee") the program "PyFinTech" and associated documentation files
(collectively, the "Software"). The Software is protected by German
copyright laws and international treaties.

2. Public License

Permission is hereby granted, free of charge, to any person obtaining a
copy of this Software, to install and use the Software, copy, publish
and distribute copies of the Software at any time, provided that this
License Agreement is included in all copies or substantial portions of
the Software, subject to the terms and conditions hereinafter set forth.

3. Perpetual Single-User/Multi-CPU License

Licensor hereby grants to Licensee a perpetual, non-exclusive license to
install and use this Software according to the purpose agreed on up to
an unlimited number of single-user computers in its possession, provided
the Software is in use on only one computer at any time and subject to
the terms and conditions hereinafter set forth. As consideration for
this perpetual license to use the Software granted to Licensee herein,
Licensee shall pay to Licensor the agreed license fee.

4. Restrictions

You may not use this Software in a way other than allowed in this
license. You may not:

- modify or adapt the Software or merge it into another program,
- reverse engineer, disassemble, decompile or make any attempt to
  discover the source code of the Software,
- sublicense, rent, lease or lend any portion of the Software,
- publish or distribute the associated license keycode.

5. Warranty and Remedy

To the extent permitted by law, THE SOFTWARE IS PROVIDED "AS IS",
WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT
LIMITED TO THE WARRANTIES OF QUALITY, TITLE, NONINFRINGEMENT,
MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, regardless of
whether Licensor knows or had reason to know of Licensee particular
needs. No employee, agent, or distributor of Licensor is authorized
to modify this warranty, nor to make any additional warranties.

IN NO EVENT WILL LICENSOR BE LIABLE TO LICENSEE FOR ANY DAMAGES,
INCLUDING ANY LOST PROFITS, LOST SAVINGS, OR OTHER INCIDENTAL OR
CONSEQUENTIAL DAMAGES ARISING FROM THE USE OR THE INABILITY TO USE THE
SOFTWARE, EVEN IF LICENSOR OR AN AUTHORIZED DEALER OR DISTRIBUTOR HAS
BEEN ADVISED OF THE POSSIBILITY OF THESE DAMAGES, OR FOR ANY CLAIM BY
ANY OTHER PARTY.


********************************************************************************
Dieses Programm verwendet folgende Software von Drittanbietern.
This program makes use of the following 3rd-party software.

========================================================================
Konto_check
========================================================================

Copyright (C) 2002-2013 Michael Plugge <m.plugge@hs-mannheim.de>

GNU Lesser General Public License
see http://www.gnu.org/licenses/lgpl.html

This library uses the free bank code file from the German Central Bank.
Copyright: Deutsche Bundesbank, Frankfurt am Main, Deutschland


========================================================================
Python Cryptography Toolkit "PyCrypto"
========================================================================

Previously, the copyright and/or licensing status of the Python
Cryptography Toolkit ("PyCrypto") had been somewhat ambiguous.  The
original intention of Andrew M. Kuchling and other contributors has
been to dedicate PyCrypto to the public domain, but that intention was
not necessarily made clear in the original disclaimer (see
LEGAL/copy/LICENSE.orig).

Additionally, some files within PyCrypto had specified their own
licenses that differed from the PyCrypto license itself.  For example,
the original RIPEMD.c module simply had a copyright statement and
warranty disclaimer, without clearly specifying any license terms.
(An updated version on the author's website came with a license that
contained a GPL-incompatible advertising clause.)

To rectify this situation for PyCrypto 2.1, the following steps have
been taken:

 1. Obtaining explicit permission from the original contributors to
    dedicate their contributions to the public domain if they have not
    already done so.  (See the "LEGAL/copy/stmts" directory for
    contributors' statements.)

 2. Replacing some modules with clearly-licensed code from other
    sources (e.g. the DES and DES3 modules were replaced with new ones
    based on Tom St. Denis's public-domain LibTomCrypt library.)

 3. Replacing some modules with code written from scratch (e.g. the
    RIPEMD and Blowfish modules were re-implemented from their
    respective algorithm specifications without reference to the old
    implementations).

 4. Removing some modules altogether without replacing them.

To the best of our knowledge, with the exceptions noted below or
within the files themselves, the files that constitute PyCrypto are in
the public domain.  Most are distributed with the following notice:

  The contents of this file are dedicated to the public domain.  To
  the extent that dedication to the public domain is not available,
  everyone is granted a worldwide, perpetual, royalty-free,
  non-exclusive license to exercise all rights associated with the
  contents of this file for any purpose whatsoever.
  No rights are reserved.

  THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND,
  EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF
  MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND
  NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS
  BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN
  ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN
  CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
  SOFTWARE.

Exception:

 - Portions of HMAC.py and setup.py are derived from Python 2.2, and
   are therefore Copyright (c) 2001, 2002, 2003 Python Software
   Foundation (All Rights Reserved).  They are licensed by the PSF
   under the terms of the Python 2.2 license.  (See the file
   LEGAL/copy/LICENSE.python-2.2 for details.)

EXPORT RESTRICTIONS:

Note that the export or re-export of cryptographic software and/or
source code may be subject to regulation in your jurisdiction.


========================================================================
The GNU Multiple Precision Arithmetic Library
========================================================================

Maintained by Torbjörn Granlund (http://gmplib.org)

GNU Lesser General Public License v3 (LGPLv3)
see http://www.gnu.org/licenses/lgpl.html


========================================================================
lxml
========================================================================

Copyright (c) 2004 Infrae. All rights reserved.

Redistribution and use in source and binary forms, with or without
modification, are permitted provided that the following conditions are
met:

  1. Redistributions of source code must retain the above copyright
     notice, this list of conditions and the following disclaimer.
   
  2. Redistributions in binary form must reproduce the above copyright
     notice, this list of conditions and the following disclaimer in
     the documentation and/or other materials provided with the
     distribution.

  3. Neither the name of Infrae nor the names of its contributors may
     be used to endorse or promote products derived from this software
     without specific prior written permission.

THIS SOFTWARE IS PROVIDED BY THE COPYRIGHT HOLDERS AND CONTRIBUTORS
"AS IS" AND ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT
LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR
A PARTICULAR PURPOSE ARE DISCLAIMED. IN NO EVENT SHALL INFRAE OR
CONTRIBUTORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL,
EXEMPLARY, OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO,
PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES; LOSS OF USE, DATA, OR
PROFITS; OR BUSINESS INTERRUPTION) HOWEVER CAUSED AND ON ANY THEORY OF
LIABILITY, WHETHER IN CONTRACT, STRICT LIABILITY, OR TORT (INCLUDING
NEGLIGENCE OR OTHERWISE) ARISING IN ANY WAY OUT OF THE USE OF THIS
SOFTWARE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.


========================================================================
libxml
========================================================================

Except where otherwise noted in the source code (e.g. the files hash.c,
list.c and the trio files, which are covered by a similar licence but
with different Copyright notices) all the files are:

 Copyright (C) 1998-2012 Daniel Veillard.  All Rights Reserved.

Permission is hereby granted, free of charge, to any person obtaining a copy
of this software and associated documentation files (the "Software"), to deal
in the Software without restriction, including without limitation the rights
to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
copies of the Software, and to permit persons to whom the Software is fur-
nished to do so, subject to the following conditions:

The above copyright notice and this permission notice shall be included in
all copies or substantial portions of the Software.

THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FIT-
NESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT.  IN NO EVENT SHALL THE
AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN
THE SOFTWARE.


========================================================================
libxslt
========================================================================

Copyright (C) 2001-2002 Daniel Veillard. All Rights Reserved.

Permission is hereby granted, free of charge, to any person obtaining a copy
of this software and associated documentation files (the "Software"), to deal
in the Software without restriction, including without limitation the rights
to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
copies of the Software, and to permit persons to whom the Software is fur-
nished to do so, subject to the following conditions:

The above copyright notice and this permission notice shall be included in
all copies or substantial portions of the Software.

THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FIT-
NESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT.  IN NO EVENT SHALL THE
DANIEL VEILLARD BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER
IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CON-
NECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.

Except as contained in this notice, the name of Daniel Veillard shall not
be used in advertising or otherwise to promote the sale, use or other deal-
ings in this Software without prior written authorization from him.


========================================================================
libexslt
========================================================================

Copyright (C) 2001-2002 Thomas Broyer, Charlie Bozeman and Daniel Veillard.
All Rights Reserved.

Permission is hereby granted, free of charge, to any person obtaining a copy
of this software and associated documentation files (the "Software"), to deal
in the Software without restriction, including without limitation the rights
to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
copies of the Software, and to permit persons to whom the Software is fur-
nished to do so, subject to the following conditions:

The above copyright notice and this permission notice shall be included in
all copies or substantial portions of the Software.

THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FIT-
NESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT.  IN NO EVENT SHALL THE
AUTHORS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER
IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CON-
NECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.

Except as contained in this notice, the name of the authors shall not
be used in advertising or otherwise to promote the sale, use or other deal-
ings in this Software without prior written authorization from him.


========================================================================
Python FPDF
========================================================================

GNU Lesser General Public License v3 (LGPLv3)
see http://www.gnu.org/licenses/lgpl.html

Original FPDF uses a permissive license:
"FPDF is released under a permissive license: there is no usage restriction.
You may embed it freely in your application (commercial or not), with or
without modifications." 

FPDF Version 1.6 license.txt says:
Permission is hereby granted, free of charge, to any person obtaining a copy
of this software to use, copy, modify, distribute, sublicense, and/or sell
copies of the software, and to permit persons to whom the software is furnished
to do so. THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND,
EXPRESS OR IMPLIED. 

fpdf.py is a revision of a port by Max Pat, in the original source uses the
same licence:
# * Software: FPDF
# * Version:  1.53
# * Date:     2004-12-31
# * Author:   Olivier PLATHEY
# * License:  Freeware
# *
# * You may use and modify this software as you wish.
# * Ported to Python 2.4 by Max (maxpat78@yahoo.it) on 2006-05

To avoid ambiguity (and to be compatible with other free software, open source
licenses), LGPL was chosen for this googlecode project (as Freeware isn't listed).

