Terms and Conditions Generator
Answer a few questions about your website or app and get complete terms and conditions (terms of service) covering accounts, purchases, subscriptions, refunds, user content, liability and the US state law that governs disputes. Copy it as formatted text, HTML or Markdown.
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A general-purpose template, not legal advice. Read every section, delete what does not apply, and have a lawyer review terms for regulated or high-value businesses.
How to use the Terms and Conditions Generator
- Enter your business: legal name, site or app name, URL, contact email and effective date.
- Pick the type of service: website, online store, SaaS, mobile app or marketplace, and the minimum user age.
- Describe accounts, user content and payments, including subscriptions, free trials and your refund window.
- Choose the governing state, liability cap and whether disputes go to arbitration.
- Review the preview, then copy the terms or download them as HTML, Markdown or text and link them in your footer and at sign-up or checkout.
What each section of your terms does
| Section | Why it matters | Included when |
|---|---|---|
| Agreement and changes | Makes using the service mean acceptance and lets you update the terms with notice | Always |
| Eligibility | Sets the minimum age; under-18 users need a parent's consent because minors can usually cancel contracts | Always |
| Accounts | Makes users responsible for passwords and activity on their account | Accounts ticked |
| Purchases, subscriptions, refunds | Explains prices, taxes, order cancellation, auto-renewal, trials and your refund window | Payments chosen |
| Your content and DMCA | Gives you a license to display what users post and a process for copyright complaints | User content ticked |
| Marketplace transactions | Makes clear you are a venue, not the seller, and that disputes are between users | Marketplace type |
| Acceptable use and termination | Lists banned behavior (spam, scraping, hacking) and lets you suspend abusers | Always |
| Disclaimers and limitation of liability | Limits the damages you can owe; written in capitals because many states require such terms to be conspicuous | Always |
| Governing law and arbitration | Decides which state's law applies and where or how disputes are heard | Always / arbitration ticked |
| App store terms | Apple requires apps with their own end-user terms to include certain minimum terms | Mobile app type |
How to publish terms so they hold up
- Use clickwrap at sign-up and checkout. Put a link to the terms right next to the button, with text such as "By creating an account, you agree to our Terms and Privacy Policy", or use an unticked checkbox. Keep a record of when each user accepted which version.
- Link them in the footer of every page as well, so returning visitors can always find them.
- Keep old versions. Save a dated copy each time you change the terms, and announce material changes before they take effect.
- Make subscription terms visible at checkout: the price, billing frequency, that it renews automatically, and how to cancel, next to the purchase button.
- Match your privacy policy. The terms refer to it, so publish both and keep them consistent; the Privacy Policy Generator uses the same style.
Frequently asked questions
Is a terms and conditions page required by law?
Unlike a privacy policy, terms and conditions are not generally required by US law. They are still strongly recommended: they set the rules for using your service, limit your liability, explain payments and refunds, and let you suspend accounts that abuse the service. App stores and payment processors also often expect them.
What is the difference between terms and conditions, terms of service and terms of use?
They are different names for the same kind of document: the contract between you and the people who use your website or app. Terms of service is common for software and SaaS, terms of use for content websites, and terms and conditions for online stores, but the legal effect is the same.
How do I make my terms enforceable?
Courts are most likely to enforce terms that users clearly agree to, known as clickwrap: an unticked checkbox or a button with text such as By creating an account you agree to the Terms, with a link to them. Terms that are only linked in the footer (browsewrap) are often not enforced against users who never saw them, especially for arbitration clauses.
Which state's law should govern my terms?
Usually the state where your business is organized or has its main office, because you know its law and its courts are close to you. Many companies choose Delaware, New York or California. Some consumer protection laws of the user's own state still apply no matter what you choose.
Should I include an arbitration clause?
Arbitration with a class action waiver can reduce the risk of costly class lawsuits, and the US Supreme Court has upheld such clauses in consumer contracts. It also has costs: the business usually pays most of the arbitration fees, and mass arbitration filings can be expensive. A 30-day opt-out and a small claims carve-out make the clause fairer and more likely to be enforced.
What should subscription terms include?
State that the subscription renews automatically, how often and at what price, how to cancel and when cancellation takes effect, what happens at the end of a free trial and how price changes are announced. State automatic renewal laws, such as California's, and FTC rules also require these terms to be shown clearly at checkout, not only in the terms page.
Can I copy another company's terms and conditions?
No. Terms are protected by copyright like other text, and another company's terms describe a different business, so they may promise things you do not do. A generated template that matches your own service is a safer starting point; have a lawyer review it if your business is regulated or high value.
Are all the tools on FreeToolCabin tested for quality and accuracy?
Yes! Every tool on our site undergoes automated Q/A testing in real browser environments to ensure high precision, correct output, and zero errors. If you happen to spot a bug or have a suggestion, please contact us at [email protected] and our team will review it right away.