Terms of Service Generator

The rulebook for using your product

A privacy policy explains what you do with people’s data. Terms of service do the other job — they set the rules for using your product and define what happens when someone breaks them.

Most websites need both, and they are not interchangeable. Publishing only a privacy policy leaves you with no stated position on acceptable use, payment, liability or account termination.

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⚡ About a minute · 🌍 Jurisdiction-specific · 📄 PDF download · ✏️ Fully editable

What terms of service actually do

Form a contract. By using your product, someone agrees to your terms. That is the mechanism by which everything else becomes binding, which is why how users accept matters as much as what the terms say.

Set the rules of use. What people may and may not do with your product. Without an acceptable use clause you have no stated basis for removing a user who abuses it.

Limit liability. Caps on what you are responsible for if something goes wrong. Subject to consumer protection law, which in many jurisdictions restricts how far these can go.

Govern payment. Fees, billing cycles, renewals, refunds and what happens on non-payment.

Allow you to end the relationship. Suspension and termination rights, and what happens to the user’s data and content afterwards.

Choose the law. Which jurisdiction governs disputes and where they are heard.

What your terms should include

• Acceptance — how users agree, and that continued use constitutes agreement
• Eligibility — minimum age and any capacity requirements
• Accounts — registration, security responsibilities, and account sharing
• Acceptable use — prohibited activities, with enough specificity to act on
• User content — who owns it, what licence you need to operate the service, and your right to remove it
• Intellectual property — your ownership of the product itself
• Payment terms — pricing, billing cycle, auto-renewal, price changes, taxes
• Refunds and cancellation — your actual policy, stated plainly
• Third-party services — dependencies and links, and your position on them
• Disclaimers — service provided as-is, availability not guaranteed
• Limitation of liability — the cap, and what it excludes
• Indemnity — the user’s responsibility for their own misuse
• Suspension and termination — by you and by them, and the effect on data
• Changes to terms — how you notify users of updates
• Governing law and dispute resolution
• Contact details
• Effective date

How users accept matters

This is the part most often overlooked, and it affects enforceability.

Clickwrap — the user actively ticks a box or clicks a button confirming they accept, before proceeding. Widely regarded as the strongest form of acceptance because there is a record of a deliberate act.

Browsewrap — a link in the footer, with terms deemed accepted by continued use. Much weaker, and frequently challenged on the basis that the user never saw them.

If your terms matter — and if you take payment, they do — use active acceptance at signup and keep a record of which version was accepted and when. Terms nobody agreed to are difficult to rely on.

Terms of service and privacy policy together

They cover different ground and both are usually needed:

Generate the matching policy with the AI Privacy Policy Generator, and link both from your footer, signup and checkout.

An example prompt

Terms of service for a subscription SaaS project management tool. Monthly and annual plans, auto-renewing, 14-day refund window on first purchase only. Users create accounts and upload files. We may suspend accounts for abuse or non-payment with 7 days’ notice except for serious breach. Liability capped at fees paid in the prior 12 months. Users retain ownership of their content and grant us a licence to host and display it. Governed by the laws of England and Wales.

That produces complete terms covering each of those points plus the standard provisions, in about a minute.

Related documents

• AI Privacy Policy Generator — the companion document
• AI NDA Generator — for vendor and contractor conversations
• Independent Contractor Agreement — for the people building your product
• Payment Invoice — billing documentation
• Startup legal documents — the full set
• AI Document Analyzer — read a supplier’s terms before agreeing to them

FAQs

What is the difference between terms of service and a privacy policy? 

Terms of service govern how people may use your product and are grounded in contract law. A privacy policy explains how you handle personal data and is driven by data protection law. Most websites need both.

Are terms of service legally required? 

There is generally no statutory requirement to publish terms, unlike privacy policies in most jurisdictions. But without them you have no stated basis for enforcing acceptable use, limiting liability or terminating accounts.

Are terms of service enforceable? 

They can be, provided the user genuinely agreed and the terms are not unfair or contrary to consumer protection law. Active acceptance at signup is considerably stronger than a footer link.

Can I copy terms from another website?

 It is a poor idea for two reasons. Their terms describe their product, pricing and liability position, not yours. And the text itself is usually copyrighted.

What is the difference between terms of service and terms and conditions? 

Nothing meaningful. The terms are used interchangeably, along with “terms of use”. Pick one and use it consistently.

How often should terms be updated?

 Whenever your product, pricing or business model changes materially. Notify users of significant changes and record which version was accepted and when.

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IndigoEDocs produces AI-assisted drafts. Consumer protection law restricts liability limitations in many jurisdictions — if you take payment from consumers or operate in a regulated sector, have your terms confirmed by a qualified lawyer before publishing.