[bisq-network/bisq-docs] Update arbitration rules (#150)

Wed Aug 7 18:34:44 UTC 2019

m52go requested changes on this pull request.

Overall I think it's a good start. I'll probably follow this PR with some refinements.

>  
 This document covers the rules and expectations for each role, as well as details on the process for arbitrating disputes.

-== Offer maker
+== BTC buyer

I think we should add the following to this section:

* Payment should be completed reasonably early within the trade period, such that the seller has time to acknowledge receipt of the payment before the trade period is over. Waiting until the end of the trade period to make a payment is not acceptable, as then the seller cannot reasonably act in time. The lengths of trade periods vary based on payment method. See details [here](https://bisq.network/faq/#trade-periods).
* Any fees charged to make the payment are the buyer's responsibility to pay.

>  
-_Coming soon._
+* Must make payment from the account used to make/take the offer. The identifiers must match.

I would specify what "identifiers" means, because it's rather vague and a new user might confuse it with the trade ID. 

Perhaps say something like "The account information (e.g., name, account number, etc) must match".

>  
-_Coming soon._
+* Must make payment from the account used to make/take the offer. The identifiers must match.
+* Must enter the correct reference text in the payment transfer.

I would say "trade ID" instead of "reference text" and specify it as "reason for payment".

`Must enter the trade ID in the payment transfer "reason for payment" if possible.`

> @@ -4,28 +4,59 @@

 _This document is under development. Subscribe to https://github.com/bisq-network/bisq-docs/issues/80[bisq-network/bisq-docs#80] for updates._

-To trade on Bisq, you assume one of two roles. You either make a new offer to buy or sell an asset (offer maker), or you agree to accept an existing offer to buy or sell an asset (offer taker).
+To trade on Bisq, you assume one of two roles. You either buy (BTC buyer) or sell (BTC seller) bitcoin.

 This document covers the rules and expectations for each role, as well as details on the process for arbitrating disputes.

I would add the following:

```
IMPORTANT: Under **no circumstances** should you try to contact a trader using the contact information in their payment details, even if you have an issue with a trade. Always go through an arbitrator. Many people use Bisq for its high degree of privacy, and discussing Bisq away from Bisq is highly likely to compromise that privacy.

NOTE: The rules listed below are default rules for every transaction. Offer makers sometimes specify their own _additional_ terms for handling/arranging payments. For example, a seller using cash deposit might require a picture of a receipt torn in half with "NO REFUND" written on it. Face-to-face traders often specify terms about where and how to meet. Make sure you're okay with an offer-maker's terms before you accept an offer!
```

>  
-_Coming soon._
+* Must make payment from the account used to make/take the offer. The identifiers must match.
+* Must enter the correct reference text in the payment transfer.
+* Must click "Payment started" after having done so.

"Must click the "Payment started" button after making the payment" would be more clear, I think.

>  
-_Coming soon._
+* Must make payment from the account used to make/take the offer. The identifiers must match.
+* Must enter the correct reference text in the payment transfer.
+* Must click "Payment started" after having done so.
+* Is responsible for providing the arbitrator with tamper proof evidence of their payment in case of dispute.

This might raise more questions than it answers, as we're not detailing what "tamper-proof evidence" is. 

I would remove and just say "In case of a dispute, buyer must collaborate with the arbitrator, responding to inquiries within 48 hours and providing materials as requested to determine an outcome."

>  
-_Coming soon._
+* Must make payment from the account used to make/take the offer. The identifiers must match.
+* Must enter the correct reference text in the payment transfer.
+* Must click "Payment started" after having done so.
+* Is responsible for providing the arbitrator with tamper proof evidence of their payment in case of dispute.
+* Must be available, in case of dispute, 48 hours after the max. trade period runs out.

Lines 17 and 18 could probably be removed if you agree with the edit suggested above.

>  
-_Coming soon._
+* Must click "Confirm payment" after having received it. Has till the end of the max. trade period to do so.
+* Must be available, in case of dispute, 48 hours after the max. trade period runs out.

"In case of a dispute, seller must collaborate with the arbitrator, responding to inquiries within 48 hours and providing materials as requested to determine an outcome."

Same as above. If you agree, lines 23 and 24 could be replaced with this.

>  
-_Coming soon._
+* Must click "Confirm payment" after having received it. Has till the end of the max. trade period to do so.
+* Must be available, in case of dispute, 48 hours after the max. trade period runs out.
+* Has 48 hours to respond to each arbitrator inquiry.

 == Arbitration