Terms & Conditions Generator

Generate free terms and conditions for your website or app. Customisable template with ecommerce, accounts, and refund clauses.

Free to use. Runs in your browser.

Fill in your business details and toggle the clauses you need to generate a terms & conditions template.

Company / Business Name *

Website URL *

Contact Email *

Country / Jurisdiction

Include Clauses

User Accounts

E-commerce / Purchases

Refund Policy

Subscriptions

Why Terms and Conditions Matter

Terms and conditions (T&C) are a legal contract between you and your users. They define the rules for using your website or service, limit your liability, and protect your intellectual property. Without them, you're exposed to disputes with no agreed framework for resolution.

Think of T&C as the house rules. They're not just legal jargon, they set expectations about acceptable use, payment terms, refund policies, and what happens when things go wrong. Every business website, SaaS product, and e-commerce store needs them.

Key Clauses Explained

Clause	What It Does	Who Needs It
Intellectual Property	Protects your content, code, and branding from copying	Everyone
User Accounts	Defines account responsibilities and security expectations	Sites with login/registration
Purchases / Payments	Covers pricing, availability, and payment processing	E-commerce and SaaS
Refund Policy	Sets expectations for returns and refund eligibility	Any site selling products or services
Subscription Terms	Defines billing cycles, cancellation, and auto-renewal	Subscription businesses
Limitation of Liability	Caps your financial exposure from user claims	Everyone
Governing Law	Specifies which country's law applies to disputes	Everyone
Termination	Your right to close accounts or deny access	Sites with user accounts

Terms vs Privacy Policy vs Cookie Policy

Terms & Conditions

Rules for using your service. Covers liability, IP, payments, acceptable use. Protects your business.

Privacy Policy

How you collect, use, and protect user data. Required by law (GDPR, CCPA). Protects users' rights.

Cookie Policy

Specific disclosure about cookies and tracking. Often part of the privacy policy but sometimes separate. Required by EU ePrivacy Directive.

UK Legal Requirements

Law

Consumer Rights Act 2015. If you sell to consumers in the UK, your terms must be fair and transparent. "Unfair" terms (like hiding cancellation fees) can be struck out by a court.

Law

GDPR / UK GDPR. Your privacy policy is legally required if you collect any personal data. Terms and conditions are technically optional, but running a business without them is risky.

Law

Consumer Contracts Regulations 2013. Online sellers must give consumers a 14-day cooling-off period for distance purchases. Your terms must clearly state this right.

This generator creates a starting point. For businesses handling significant revenue or sensitive data, have a solicitor review the output before publishing.

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How to use this tool

Enter your company name, website URL, and contact email

Toggle the clauses you need (accounts, e-commerce, refunds, subscriptions)

Click Generate, then copy or download the Markdown output

Common uses

Creating T&C for new website launches
Adding legal pages to SaaS products
Generating refund and subscription clauses for e-commerce
Meeting app store requirements for terms of service

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Frequently Asked Questions

Are these terms legally binding?

This generator creates a solid starting template. We recommend having a legal professional review it for your specific jurisdiction and use case before publishing.

Do I need terms and conditions?

Yes. Terms protect your business by defining the rules users agree to when using your site or service. Without them, you have no agreed framework for disputes.

What's the difference between terms and a privacy policy?

Terms define usage rules and liability, they protect your business. Privacy policies explain how you collect and use personal data, they protect user rights. Most websites need both.

Can I edit the generated text?

Absolutely. Copy the output and customise it to match your specific requirements. The generator provides a comprehensive starting point.

Which jurisdiction should I select?

Choose the country where your business is registered. If you operate globally, select the jurisdiction with the strictest consumer protection laws that apply to your primary market.

Do I need a refund policy clause?

If you sell anything (products, services, subscriptions), yes. Many jurisdictions legally require a refund policy. Even if you don't offer refunds, you should state that clearly.

What's an intellectual property clause?

It states that your website content, branding, code, and designs belong to you. Without this, it's harder to pursue copyright infringement if someone copies your content.

Should I include a subscription clause?

If you have any recurring billing, SaaS, memberships, premium content, yes. The clause should cover billing cycles, cancellation rights, and what happens to data after cancellation.

How do I make users agree to my terms?

Common methods: checkbox during signup ('I agree to the Terms'), browsewrap (footer link with 'By using this site, you agree to...'), or clickwrap (must click 'I Agree' before proceeding). Clickwrap is the most legally enforceable.

Can I download the terms as a file?

Yes. Click Download to save as a Markdown file. Convert it to HTML with our Markdown to HTML tool, or paste it into your CMS.

How often should I update my terms?

Review annually and update whenever you change your business model, add new features, change pricing, or when laws in your jurisdiction change. Include a 'Last Updated' date.

Is the generated output stored anywhere?

No. Everything runs in your browser. Your business details and generated terms are never uploaded or stored on any server.

Results are for general informational purposes only and should be checked before use. They are not professional advice. See our Disclaimer and Terms of Service.