Free legal document generator
Free, Lawyer-Drafted Terms & Conditions in About 3 Minutes
Generate a customised Terms and Conditions agreement covering 40+ clauses for your website, app, SaaS or store. Compliant with GDPR, UK Consumer Rights Act, Australian Consumer Law, and FTC requirements. Free with a quick sign-up.
- Lawyer-drafted clauses customised to your business type and jurisdiction
- Required by Apple App Store, Google Play, Stripe, PayPal and Shopify
- Free to generate. Copy HTML, download PDF, or host as a public URL
What is a Terms and Conditions agreement?
A Terms and Conditions (T&C) agreement is a legal contract between a website or app owner and its users. It sets the rules for using the service, limits the operator's liability, protects intellectual property, and defines each party's rights and obligations. Also called Terms of Service (ToS) or Terms of Use (ToU), a T&C is not legally required in most jurisdictions, but is strongly recommended for any business with an online presence and is mandated by major platforms including the Apple App Store, Stripe and Shopify.
How it works
No legal background needed. Free account required to save your document.
Answer a few questions
Tell us about your business — what you do, where your users are based, and what data you collect.
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Your Terms & Conditions is generated instantly, customised to your answers. Takes about 3 minutes total.
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Is a Terms & Conditions legally required?
Terms and Conditions are not mandated by most laws, but they are required by virtually every major platform, payment processor and app store — and they are the single most important document for limiting your legal exposure online.
Every iOS app must have a EULA or T&C. Apple supplies a default Standard EULA but it does not cover business-specific clauses, IP claims or jurisdiction.
Each requires merchants to display clear terms, refund policy and acceptable use rules before processing transactions. Non-compliance can result in account freezes.
Terms must be in plain language. Statutory consumer guarantees (refunds, fitness for purpose, faulty goods) cannot be excluded by any clause. Unfair terms are unenforceable.
- Enforced by:
- Competition and Markets Authority (UK), national consumer protection authorities (EU)
Statutory guarantees override any contrary T&C. 'No refund' policies are unlawful where statutory guarantees apply.
- Max fine:
- Up to AU$50M per breach
- Enforced by:
- ACCC
Clickwrap acceptance ('I agree' checkbox) is required to make a T&C enforceable. Browsewrap (footer link only) is regularly rejected by US courts — see Specht v. Netscape, Berman v. Freedom Financial Network, Nicosia v. Amazon.
Terms & Conditions vs other legal documents
Terms and Conditions, Terms of Service and Terms of Use are interchangeable in nearly every jurisdiction — naming is convention, not law. Other documents serve distinct purposes:
| Document | Purpose | Who needs it | Required? |
|---|---|---|---|
| Terms & Conditions | Rules of use, liability limits, IP, dispute resolution | Any website, app, SaaS or store | Strongly recommended; required by app stores and processors |
| Privacy Policy | How you collect, use and share personal data | Any business processing personal data | Yes — GDPR, CCPA, CalOPPA and global laws |
| EULA | Software licence: what users can/cannot do with the software | App developers, software publishers, SaaS with downloads | Required for App Store apps; recommended for Google Play |
| Disclaimer | Limit liability for content accuracy and disclose conflicts | Bloggers, affiliate sites, professional content publishers | Affiliate disclosures required by FTC (16 CFR Part 255) |
| Refund Policy | Return and refund rules | Ecommerce, SaaS, subscription businesses | EU/UK 14-day right of withdrawal; varies by US state |
Key takeaway: A complete legal foundation usually requires all five. Our generator can produce each one and link them together coherently.
What is included in your Terms & Conditions
A comprehensive T&C covers three things: who you are, what users can and cannot do, and what happens when things go wrong. Our generator selects the right clauses for your business type and jurisdiction from the full list below.
Identification & acceptance
- Legal business name, registered address and contact information
- Acceptance mechanism (clickwrap 'I agree' is the gold standard)
- Eligibility and minimum age (COPPA: under 13 in the US; EU GDPR: 13–16 by member state)
- Account registration, suspension and termination rules
Acceptable use
- Permitted and prohibited user conduct
- User-generated content licence-back to the operator
- Intellectual property and DMCA copyright notice
- No reverse-engineering, scraping or automated access
Commercial terms
- Pricing and payment terms
- Subscription auto-renewal disclosure (California ARL, FTC ROSCA)
- Free trial and 'Click-to-Cancel' compliance (FTC, in force 2024)
- Refund and return policy (or link to a separate Refund Policy page)
- Shipping, taxes and currency for physical goods
Liability & warranties
- Disclaimer of warranties ('as is' and 'as available')
- Limitation of liability (cap typically the lesser of fees paid or US$100)
- Indemnification by the user for breach of the agreement
- 'No professional advice' disclaimer (medical, legal, financial)
- Third-party links and downtime disclaimers
Legal boilerplate
- Governing law and jurisdiction
- Dispute resolution: negotiation → mediation → binding arbitration
- Class-action waiver and AAA/JAMS reference
- Severability, entire agreement and force majeure clauses
- Assignment (your right to transfer; user typically cannot)
Regulatory & platform
- Privacy Policy and Cookie Policy references
- Affiliate and FTC 16 CFR Part 255 disclosure
- SMS / A2P 10DLC consent and opt-out for text messaging
- Electronic communications consent (E-SIGN Act)
- GDPR supervisory authority and data processor list
- Australian Consumer Law statutory guarantees clause
Built for your business type
The generator adjusts clauses based on your industry — so you only get the language you actually need.
Ecommerce (Shopify, WooCommerce, BigCommerce)
Payment processor obligations, return/refund and shipping rules, out-of-stock terms, Shopify Payments acceptable use.
SaaS
Uptime/SLA cross-reference, Data Processing Agreement (DPA) for B2B, Acceptable Use Policy, API terms, fair-use limits.
Mobile apps (iOS / Android)
Apple's mandatory minimum terms, Google Play Developer Distribution Agreement reference, in-app purchases and auto-renewal.
Marketplaces
Seller and buyer obligations, transaction fees, escrow and dispute resolution between users.
AI / ML products
Prohibited uses of AI output, training-on-user-data disclosure, accuracy disclaimer for generated content.
Trusted by 50,000+ businesses
"Replaced a $1,200 template-pack subscription. The output covered our App Store submission, Stripe acceptable use, and EU plain-language requirements out of the box."
"Apple rejected our first submission asking for a custom EULA. Used the T&C generator that night. Approved the next morning."
"We had a 'Terms of Service' that was 14 paragraphs and didn't mention arbitration or class-action waiver. Generated a real one in three minutes."
Frequently asked questions
Questions about Terms & Conditions before you get started?
What is a Terms & Conditions agreement?
A Terms & Conditions (T&C) agreement is a legal document that sets the rules for using your website, app, or service. It defines what users can and cannot do, limits your liability, establishes your intellectual property rights, explains account termination conditions, and outlines how disputes will be resolved.
Are Terms & Conditions legally required?
Terms & Conditions are not mandated by most privacy laws, but they are strongly recommended for any online business. Without T&C, you have no legal basis to enforce usage rules, suspend accounts, or limit your liability. The Apple App Store and Google Play both require T&C before approving apps.
Do I need Terms & Conditions for a free website?
Yes. Even if your website is free to access, you should have Terms & Conditions to protect your intellectual property, establish acceptable use rules, and limit your liability. It also helps prevent abuse and sets clear expectations for how visitors may use your content.
What should be included in a Terms & Conditions?
A comprehensive T&C should include: user obligations and acceptable use rules, intellectual property ownership, limitation of liability, disclaimer of warranties, account termination conditions, governing law and jurisdiction, and your contact details for legal notices.
Can I copy Terms & Conditions from another website?
No. Copying legal documents is copyright infringement and the document would be specific to another business, not yours. A customized T&C generated for your business type, jurisdiction, and specific services is always the appropriate approach.
How often should I update my Terms & Conditions?
Review your T&C at least annually, or whenever your business practices change. You should also update them when you add new services, when relevant laws change, or when platforms you depend on update their own requirements.
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