Make a first pass at restructuring in terms of obligations

Each Participant type has a section in which the obligations are spelled out. There may be some duplication.

www/about/policies/terms-of-service.md

@@ -44,43 +44,52 @@ these Terms.
      establishes a Project is the "Project Owner". Projects may optionally have other
 Participants as "Project Members."
 
-  1. A Project may receive payments from Participants for Work provided by the
+  1. A Participant may give money to a Project. A Participant who gives money to a Project is a "Giver."
+
+1.  Obligations of Project Owners
+
+  1. A Project may receive payments from Givers for Work provided by the
      Project ("Project Work"). When you establish a Project on the Service, you agree that
 payments will be used exclusively to support the Project Work described in your
 Project's profile.
 
-  1. When you become a Project Member, you agree
-that payments to you by the Project are made exclusively because of your
-contribution ("Project Tasks") to the Project Work decribed in the Project's profile. A Project may make 
-payments to its Project Members for Project Tasks performed by the Project Members. 
-
-1. Payments from Participants to Projects
-
-  1. Projects can use the Service to receive payments from Participants.
+  1. Projects can use the Service to receive payments from Givers.
 
-  1. When you make a payment to a Project, it is a payment to fund the Project Work. 
-  You understand and acknowledge that your payment does
-not entitle you personally to receive any goods or services from the Project,
-unless the Project explicitly offers those things to Participants.
-
-  1. By accepting a payment from a Participant, the Project forms an agreement
-     with that Participant to perform the Project Work. 
+  1. By accepting a payment from a Giver, the Project forms an agreement
+     with that Giver to perform the Project Work. 
      The Service is a platform to facilitate this agreement. Gratipay is
 not a party to the agreement, and is not responsible to either the Project or
-the Participant if either party breaches the terms of the agreement (e.g. if
+the Giver if either party breaches the terms of the agreement (e.g. if
 the Project fails to provide the promised services).
 
-  1. Gratipay is not obligated to provide refunds under any circumstance.
-     Projects are responsible for producing the work they offer. Gratipay does
-not hold funds on behalf of Projects, and does not warrant or guarantee that
-Projects will provide the work they promise.
+  1. A Project can only begin receiving payments from Givers once the
+     Project Owner has provided a working withdrawal mechanism for receiving payments
+(e.g. bank account information).
+
+  1. Projects and Project Work must be consistent with Gratipay's [Brand
+     Guidelines](http://inside.gratipay.com/big-picture/brand/) and Acceptable
+Use Policy.
+
+  1. Gratipay reserves the right to reject, suspend, or remove a Project at any
+     time, and for any reason.
+
+  1. Establishing a Project on Gratipay involves an application and approval
+     process. As part of this process, the Gratipay community will have the
+opportunity to publicly evaluate and provide commentary about the Project.
+However, all decisions regarding whether to accept, reject, suspend, remove, or
+take any other action regarding a Project belong solely to Gratipay.
 
-1. Payments from Projects to Project Members
+1.  Obligations of Project Members
 
   1. Projects can use the Service to distribute payments to Project Members.
 
   1. When you receive a payment from a Project, it is a payment to fund the
      Project Tasks you contribute to the Project.
+
+       1. When you become a Project Member, you agree
+that payments to you by the Project are made exclusively because of your
+contribution ("Project Tasks") to the Project Work decribed in the Project's profile. A Project may make 
+payments to its Project Members for Project Tasks performed by the Project Members. 
 
   1. By accepting a payment from a Project, the Project Member forms an agreement with
      that Project to contribute to the Project Work described in the Project's profile.
@@ -94,30 +103,23 @@ provide the promised services).
 between the Project's Owner and Project Members regarding the allocation of
 payments is solely between those parties.
 
-1. Additional Rules for Gratipay Projects
-
-  1. A Project can only begin receiving payments from Participants once the
-     Project Owner has provided a working withdrawal mechanism for receiving payments
-(e.g. bank account information).
+1.  Obligations of Givers
 
-  1. Projects and Project Work must be consistent with Gratipay's [Brand
-     Guidelines](http://inside.gratipay.com/big-picture/brand/) and Acceptable
-Use Policy.
-
-  1. Gratipay reserves the right to reject, suspend, or remove a Project at any
-     time, and for any reason.
+  1. When you make a payment to a Project, it is a payment to fund the Project Work. 
+  You understand and acknowledge that your payment does
+not entitle you personally to receive any goods or services from the Project,
+unless the Project explicitly offers those things to Givers.
 
-  1. Establishing a Project on Gratipay involves an application and approval
-     process. As part of this process, the Gratipay community will have the
-opportunity to publicly evaluate and provide commentary about the Project.
-However, all decisions regarding whether to accept, reject, suspend, remove, or
-take any other action regarding a Project belong solely to Gratipay.
+  1. Gratipay is not obligated to provide refunds under any circumstance.
+     Projects are responsible for producing the work they offer. Gratipay does
+not hold funds on behalf of Projects, and does not warrant or guarantee that
+Projects will provide the work they promise.
 
 1. Fees and Taxes
 
-  1. Gratipay does not take any fee from payments made by Participants to
+  1. Gratipay does not take any fee from payments made by Givers to
      Projects, or by Projects to Project Members. Gratipay and the Service are funded
-through the Service itself, by voluntary payments from Gratipay Participants
+through the Service itself, by voluntary payments from Givers
 who wish to fund our own Work. To contribute to Gratipay, please [visit
 Gratipay's Project page](/Gratipay/).