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Merge pull request #5 from Scotchester/master
Improve joint work language; add suggested CHANGELOG format
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‎CHANGELOG.md

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All notable changes to this project will be documented in this file.
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We follow the [Semantic Versioning 2.0.0](http://semver.org/) format.
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## x.y.z - YYYY-MM-DD
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### Added
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- Lorem ipsum dolor sit amet
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### Deprecated
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- Nothing.
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### Removed
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- Nothing.
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### Fixed
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- Nothing.

‎LICENSE

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Creative Commons Legal Code
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CC0 1.0 Universal
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CREATIVE COMMONS CORPORATION IS NOT A LAW FIRM AND DOES NOT PROVIDE
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LEGAL SERVICES. DISTRIBUTION OF THIS DOCUMENT DOES NOT CREATE AN
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ATTORNEY-CLIENT RELATIONSHIP. CREATIVE COMMONS PROVIDES THIS
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INFORMATION ON AN "AS-IS" BASIS. CREATIVE COMMONS MAKES NO WARRANTIES
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REGARDING THE USE OF THIS DOCUMENT OR THE INFORMATION OR WORKS
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PROVIDED HEREUNDER, AND DISCLAIMS LIABILITY FOR DAMAGES RESULTING FROM
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THE USE OF THIS DOCUMENT OR THE INFORMATION OR WORKS PROVIDED
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HEREUNDER.
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Statement of Purpose
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The laws of most jurisdictions throughout the world automatically confer
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exclusive Copyright and Related Rights (defined below) upon the creator and
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subsequent owner(s) (each and all, an "owner") of an original work of
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exclusive Copyright and Related Rights (defined below) upon the creator
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and subsequent owner(s) (each and all, an "owner") of an original work of
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authorship and/or a database (each, a "Work").
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Certain owners wish to permanently relinquish those rights to a Work for the
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purpose of contributing to a commons of creative, cultural and scientific
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works ("Commons") that the public can reliably and without fear of later
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claims of infringement build upon, modify, incorporate in other works, reuse
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and redistribute as freely as possible in any form whatsoever and for any
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purposes, including without limitation commercial purposes. These owners may
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contribute to the Commons to promote the ideal of a free culture and the
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further production of creative, cultural and scientific works, or to gain
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reputation or greater distribution for their Work in part through the use and
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efforts of others.
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For these and/or other purposes and motivations, and without any expectation
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of additional consideration or compensation, the person associating CC0 with a
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Work (the "Affirmer"), to the extent that he or she is an owner of Copyright
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and Related Rights in the Work, voluntarily elects to apply CC0 to the Work
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and publicly distribute the Work under its terms, with knowledge of his or her
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Copyright and Related Rights in the Work and the meaning and intended legal
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effect of CC0 on those rights.
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Certain owners wish to permanently relinquish those rights to a Work for
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the purpose of contributing to a commons of creative, cultural and
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scientific works ("Commons") that the public can reliably and without fear
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of later claims of infringement build upon, modify, incorporate in other
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works, reuse and redistribute as freely as possible in any form whatsoever
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and for any purposes, including without limitation commercial purposes.
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These owners may contribute to the Commons to promote the ideal of a free
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culture and the further production of creative, cultural and scientific
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works, or to gain reputation or greater distribution for their Work in
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part through the use and efforts of others.
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For these and/or other purposes and motivations, and without any
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expectation of additional consideration or compensation, the person
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associating CC0 with a Work (the "Affirmer"), to the extent that he or she
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is an owner of Copyright and Related Rights in the Work, voluntarily
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elects to apply CC0 to the Work and publicly distribute the Work under its
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terms, with knowledge of his or her Copyright and Related Rights in the
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Work and the meaning and intended legal effect of CC0 on those rights.
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1. Copyright and Related Rights. A Work made available under CC0 may be
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protected by copyright and related or neighboring rights ("Copyright and
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Related Rights"). Copyright and Related Rights include, but are not limited
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to, the following:
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i. the right to reproduce, adapt, distribute, perform, display, communicate,
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and translate a Work;
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ii. moral rights retained by the original author(s) and/or performer(s);
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iii. publicity and privacy rights pertaining to a person's image or likeness
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depicted in a Work;
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iv. rights protecting against unfair competition in regards to a Work,
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subject to the limitations in paragraph 4(a), below;
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v. rights protecting the extraction, dissemination, use and reuse of data in
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a Work;
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vi. database rights (such as those arising under Directive 96/9/EC of the
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European Parliament and of the Council of 11 March 1996 on the legal
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protection of databases, and under any national implementation thereof,
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including any amended or successor version of such directive); and
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vii. other similar, equivalent or corresponding rights throughout the world
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based on applicable law or treaty, and any national implementations thereof.
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2. Waiver. To the greatest extent permitted by, but not in contravention of,
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applicable law, Affirmer hereby overtly, fully, permanently, irrevocably and
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unconditionally waives, abandons, and surrenders all of Affirmer's Copyright
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and Related Rights and associated claims and causes of action, whether now
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known or unknown (including existing as well as future claims and causes of
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action), in the Work (i) in all territories worldwide, (ii) for the maximum
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duration provided by applicable law or treaty (including future time
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extensions), (iii) in any current or future medium and for any number of
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copies, and (iv) for any purpose whatsoever, including without limitation
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commercial, advertising or promotional purposes (the "Waiver"). Affirmer makes
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the Waiver for the benefit of each member of the public at large and to the
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detriment of Affirmer's heirs and successors, fully intending that such Waiver
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shall not be subject to revocation, rescission, cancellation, termination, or
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any other legal or equitable action to disrupt the quiet enjoyment of the Work
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by the public as contemplated by Affirmer's express Statement of Purpose.
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3. Public License Fallback. Should any part of the Waiver for any reason be
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judged legally invalid or ineffective under applicable law, then the Waiver
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shall be preserved to the maximum extent permitted taking into account
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Affirmer's express Statement of Purpose. In addition, to the extent the Waiver
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is so judged Affirmer hereby grants to each affected person a royalty-free,
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non transferable, non sublicensable, non exclusive, irrevocable and
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unconditional license to exercise Affirmer's Copyright and Related Rights in
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the Work (i) in all territories worldwide, (ii) for the maximum duration
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provided by applicable law or treaty (including future time extensions), (iii)
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in any current or future medium and for any number of copies, and (iv) for any
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purpose whatsoever, including without limitation commercial, advertising or
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promotional purposes (the "License"). The License shall be deemed effective as
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of the date CC0 was applied by Affirmer to the Work. Should any part of the
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License for any reason be judged legally invalid or ineffective under
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applicable law, such partial invalidity or ineffectiveness shall not
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invalidate the remainder of the License, and in such case Affirmer hereby
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affirms that he or she will not (i) exercise any of his or her remaining
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Copyright and Related Rights in the Work or (ii) assert any associated claims
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and causes of action with respect to the Work, in either case contrary to
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Affirmer's express Statement of Purpose.
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Related Rights"). Copyright and Related Rights include, but are not
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limited to, the following:
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i. the right to reproduce, adapt, distribute, perform, display,
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communicate, and translate a Work;
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ii. moral rights retained by the original author(s) and/or performer(s);
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iii. publicity and privacy rights pertaining to a person's image or
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likeness depicted in a Work;
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iv. rights protecting against unfair competition in regards to a Work,
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subject to the limitations in paragraph 4(a), below;
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v. rights protecting the extraction, dissemination, use and reuse of data
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in a Work;
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vi. database rights (such as those arising under Directive 96/9/EC of the
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European Parliament and of the Council of 11 March 1996 on the legal
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protection of databases, and under any national implementation
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thereof, including any amended or successor version of such
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directive); and
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vii. other similar, equivalent or corresponding rights throughout the
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world based on applicable law or treaty, and any national
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implementations thereof.
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2. Waiver. To the greatest extent permitted by, but not in contravention
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of, applicable law, Affirmer hereby overtly, fully, permanently,
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irrevocably and unconditionally waives, abandons, and surrenders all of
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Affirmer's Copyright and Related Rights and associated claims and causes
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of action, whether now known or unknown (including existing as well as
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future claims and causes of action), in the Work (i) in all territories
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worldwide, (ii) for the maximum duration provided by applicable law or
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treaty (including future time extensions), (iii) in any current or future
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medium and for any number of copies, and (iv) for any purpose whatsoever,
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including without limitation commercial, advertising or promotional
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purposes (the "Waiver"). Affirmer makes the Waiver for the benefit of each
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member of the public at large and to the detriment of Affirmer's heirs and
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successors, fully intending that such Waiver shall not be subject to
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revocation, rescission, cancellation, termination, or any other legal or
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equitable action to disrupt the quiet enjoyment of the Work by the public
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as contemplated by Affirmer's express Statement of Purpose.
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3. Public License Fallback. Should any part of the Waiver for any reason
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be judged legally invalid or ineffective under applicable law, then the
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Waiver shall be preserved to the maximum extent permitted taking into
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account Affirmer's express Statement of Purpose. In addition, to the
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extent the Waiver is so judged Affirmer hereby grants to each affected
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person a royalty-free, non transferable, non sublicensable, non exclusive,
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irrevocable and unconditional license to exercise Affirmer's Copyright and
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Related Rights in the Work (i) in all territories worldwide, (ii) for the
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maximum duration provided by applicable law or treaty (including future
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time extensions), (iii) in any current or future medium and for any number
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of copies, and (iv) for any purpose whatsoever, including without
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limitation commercial, advertising or promotional purposes (the
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"License"). The License shall be deemed effective as of the date CC0 was
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applied by Affirmer to the Work. Should any part of the License for any
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reason be judged legally invalid or ineffective under applicable law, such
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partial invalidity or ineffectiveness shall not invalidate the remainder
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of the License, and in such case Affirmer hereby affirms that he or she
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will not (i) exercise any of his or her remaining Copyright and Related
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Rights in the Work or (ii) assert any associated claims and causes of
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action with respect to the Work, in either case contrary to Affirmer's
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express Statement of Purpose.
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4. Limitations and Disclaimers.
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a. No trademark or patent rights held by Affirmer are waived, abandoned,
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surrendered, licensed or otherwise affected by this document.
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b. Affirmer offers the Work as-is and makes no representations or warranties
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of any kind concerning the Work, express, implied, statutory or otherwise,
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including without limitation warranties of title, merchantability, fitness
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for a particular purpose, non infringement, or the absence of latent or
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other defects, accuracy, or the present or absence of errors, whether or not
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discoverable, all to the greatest extent permissible under applicable law.
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c. Affirmer disclaims responsibility for clearing rights of other persons
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that may apply to the Work or any use thereof, including without limitation
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any person's Copyright and Related Rights in the Work. Further, Affirmer
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disclaims responsibility for obtaining any necessary consents, permissions
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or other rights required for any use of the Work.
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d. Affirmer understands and acknowledges that Creative Commons is not a
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party to this document and has no duty or obligation with respect to this
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CC0 or use of the Work.
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For more information, please see
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<http://creativecommons.org/publicdomain/zero/1.0/>
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a. No trademark or patent rights held by Affirmer are waived, abandoned,
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surrendered, licensed or otherwise affected by this document.
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b. Affirmer offers the Work as-is and makes no representations or
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warranties of any kind concerning the Work, express, implied,
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statutory or otherwise, including without limitation warranties of
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title, merchantability, fitness for a particular purpose, non
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infringement, or the absence of latent or other defects, accuracy, or
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the present or absence of errors, whether or not discoverable, all to
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the greatest extent permissible under applicable law.
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c. Affirmer disclaims responsibility for clearing rights of other persons
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that may apply to the Work or any use thereof, including without
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limitation any person's Copyright and Related Rights in the Work.
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Further, Affirmer disclaims responsibility for obtaining any necessary
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consents, permissions or other rights required for any use of the
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Work.
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d. Affirmer understands and acknowledges that Creative Commons is not a
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party to this document and has no duty or obligation with respect to
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this CC0 or use of the Work.

‎TERMS.md

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As a work of the United States Government, this package (excluding any
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exceptions listed below) is in the public domain within the United States.
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Additionally, we waive copyright and related rights in the work worldwide
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through the CC0 1.0 Universal public domain dedication.
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through the [CC0 1.0 Universal public domain dedication][CC0].
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Software source code previously released under an open source license and then
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modified by CFPB staff or its contractors is considered a "joint work" (see 17 USC § 101);
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it is partially copyrighted, partially public domain, and as a whole is protected by
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the copyrights of the non-government authors and must be released according to
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the terms of the original open-source license.
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modified by CFPB staff or its contractors is considered a "joint work"
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(see 17 USC § 101); it is partially copyrighted, partially public domain,
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and as a whole is protected by the copyrights of the non-government authors and
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must be released according to the terms of the original open-source license.
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Segments written by CFPB staff, and by contractors who are developing software
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on behalf of CFPB are also in the public domain, and copyright and related
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rights for that work are waived through the CC0 1.0 Universal dedication.
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For further details, please see the CFPB [Source Code Policy][policy].
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