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    Terms & Conditions Generator

    Generate a free starter terms and conditions template. The country selector only updates the Governing Law label.

    Free to use. Runs in your browser.

    Fill in your business details and toggle the clauses you need to generate a generic terms and conditions template. It is not jurisdiction-specific legal advice.

    Use the registered name and address you trade under, then have a solicitor review the output before you publish it as binding terms.

    Include Clauses

    General information only. This generator produces a starter terms and conditions template, not legal advice or a ready-to-publish document. The clauses are generic and the country selector only sets the governing-law label. Have the terms reviewed by a qualified solicitor for your jurisdiction, industry, and customers before publishing.

    Methodology and sources

    Formula or method

    The generator assembles a fixed-text Markdown document, inserting user-supplied values (company name, website URL, contact email, current date) into pre-written clause templates. Four optional clause sections (User Accounts, Purchases, Refund Policy, Subscriptions) are conditionally included based on the user's toggle selections. Section numbers are recalculated dynamically to reflect which optional clauses are active. The country selector inserts the chosen jurisdiction name into the Governing Law clause only; no other clause text changes. Output is produced entirely in the browser and is never transmitted to any server.

    Basis and assumptions

    • All clause text is static and jurisdiction-neutral; only the Governing Law label changes when the country selector is used.
    • Section numbering is computed at generation time based on which optional clauses (User Accounts, Purchases, Refund Policy, Subscriptions) are toggled on.
    • The Last Updated date is set to the ISO date at component mount time (deferred to useEffect behind the __IFORGE_PRERENDER__ guard); it is not automatically updated thereafter.
    • No live legal data, regulatory updates, or jurisdiction-specific statute text is fetched; all content is hard-coded in the component source.
    • The output format is Markdown; conversion to HTML or CMS-ready formats requires a separate step (e.g. using the on-site Markdown to HTML tool).
    • Clause content is generic and does not account for industry-specific requirements (financial services, healthcare, children's platforms, etc.).

    Key handling decisions

    • User Accounts clause defaults to enabled (hasUserAccounts: true); all other optional clauses default to disabled.
    • The country selector defaults to United Kingdom; the drop-down includes UK, US, EU, UAE, Canada, and Australia.
    • When hasRefunds is toggled on, the refund contact is populated from the email field, not from a separate legal-contacts field.
    • The generated Markdown file is downloaded as terms-and-conditions.md with MIME type text/markdown.

    What this tool does not decide

    • Whether the generated template meets the legal requirements of your jurisdiction, industry, or customer base. Consult a qualified solicitor or commercial lawyer before publishing any terms.
    • Whether your specific refund, cancellation, or subscription clause complies with consumer protection law in your markets (e.g. UK Consumer Rights Act 2015, Australian Consumer Law unfair-contract-terms regime). A solicitor should review these clauses.
    • Whether your Limitation of Liability clause is enforceable in your jurisdiction; courts in some countries (including consumer-facing EU contexts) regularly strike down broad liability caps. Seek advice from a qualified solicitor.
    • Whether your terms satisfy sector-specific regulations (FCA for financial services, ICO guidance for data processors, CQC for health platforms, COPPA/KOSA for children's services). Consult the relevant regulatory body or a specialist solicitor.
    • Whether your chosen consent mechanism (checkbox, footer link, click-to-accept) is sufficient for your jurisdiction and product. A solicitor or data-protection adviser should confirm this.

    Sources

    Last checked: 2026-06-17

    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

    ClauseWhat It DoesWho Needs It
    Intellectual PropertyProtects your content, code, and branding from copyingEveryone
    User AccountsDefines account responsibilities and security expectationsSites with login/registration
    Purchases / PaymentsCovers pricing, availability, and payment processingE-commerce and SaaS
    Refund PolicySets expectations for returns and refund eligibilityAny site selling products or services
    Subscription TermsDefines billing cycles, cancellation, and auto-renewalSubscription businesses
    Limitation of LiabilityCaps your financial exposure from user claimsEveryone
    Governing LawSpecifies which country's law applies to disputesEveryone
    TerminationYour right to close accounts or deny accessSites 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.

    Legal Requirements by Jurisdiction

    United Kingdom

    Law

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

    Law

    UK GDPR. A privacy policy is legally required if you collect any personal data. Terms and conditions are not separately mandated by statute, but operating without them exposes you to disputes with no agreed framework for resolution.

    Law

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

    United States

    Law

    FTC Act, Section 5 (15 U.S.C. § 45). Declares unlawful all unfair or deceptive acts or practices in or affecting commerce. Terms that obscure material information, impose hidden fees, or make cancellation unreasonably difficult are targets for FTC enforcement.

    Law

    State UDAP statutes. All 50 states have their own Unfair or Deceptive Acts or Practices laws modelled on the FTC Act. Some allow consumers to bring private claims in addition to state attorney-general enforcement.

    Law

    CAN-SPAM Act. If your service sends commercial emails, your terms must reference your email practices. Each commercial message must include a valid physical postal address and a functioning opt-out mechanism honoured within 10 business days.

    Canada

    Law

    PIPEDA (Personal Information Protection and Electronic Documents Act). The operative federal privacy law for private-sector organisations. It sets ground rules for how businesses collect, use, and disclose personal information in commercial activities across Canada. A privacy policy addressing PIPEDA's ten fair information principles is required.

    Law

    Quebec Law 25. Fully in force since September 2024, this is Canada's toughest privacy law. It requires explicit consent, a named Privacy Officer, breach notification, data-minimisation practices, and transparency about automated decision-making. It applies to any organisation that holds personal information about Quebec residents.

    Note

    Bill C-27 / Consumer Privacy Protection Act (CPPA). A proposed federal reform that would have replaced PIPEDA died on the Order Paper when Parliament was prorogued in January 2025. Federal reform is expected to return in a new Parliament, but PIPEDA remains the operative law as at mid-2026.

    Australia

    Law

    Australian Consumer Law (Schedule 2, Competition and Consumer Act 2010). Provides a single national consumer protection framework across all states and territories. Terms that create a significant imbalance in the parties' rights and are not reasonably necessary to protect a legitimate interest may be declared unfair and void.

    Law

    Unfair contract terms regime (extended 9 November 2023). From this date, proposing or relying on an unfair term in a standard form contract became a civil contravention attracting penalties of up to AUD 50 million per breach. The reforms extended protection to small businesses employing fewer than 100 people or with annual turnover below AUD 10 million.

    European Union

    Law

    Consumer Rights Directive 2011/83/EU. Requires traders to give consumers clear pre-contractual information before any distance or off-premises sale. Consumers have 14 days to withdraw from such contracts without giving a reason. Your terms must state this right and provide a withdrawal mechanism.

    Law

    GDPR (Regulation (EU) 2016/679). Requires a lawful basis for processing personal data. A privacy policy is mandatory. Terms and conditions should not be used as the sole means of obtaining GDPR consent, as consent under GDPR must be freely given, specific, informed, and unambiguous.

    Law

    Digital Services Act (Regulation (EU) 2022/2065). Applies to online intermediary services operating in the EU. Article 14 requires terms to be written in clear, plain, intelligible, user-friendly and unambiguous language. Providers must notify users of significant changes to their terms before those changes take effect.

    UAE

    Law

    Federal Decree-Law No. 14 of 2023 on Trading by Modern Technological Means. Governs e-commerce in the UAE. Digital merchants must clearly state terms, conditions, and pricing; prohibit misleading product descriptions; provide consumers with dated invoices; offer secure payment methods; and protect consumer data in accordance with UAE data protection legislation. Contracts must be available in Arabic (or Arabic alongside another language).

    This generator creates a starting point for your chosen jurisdiction. Legal requirements vary by industry, business model, and the markets you serve. For businesses handling significant revenue or sensitive data, have a qualified legal adviser review the output before publishing.

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    Add WebPage structured data to your legal pages.

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    Include your legal pages in your XML sitemap.

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    How to use this tool

    1

    Enter your company name, website URL, and contact email

    2

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

    3

    Click Generate, then copy or download the Markdown output

    Common uses

    • Drafting starter terms for a new website
    • Preparing terms page text for SaaS products
    • Generating refund and subscription clauses for e-commerce
    • Preparing terms text for app-store submission checklists

    Share this tool

    Frequently Asked Questions

    Are these terms legally binding?
    This generator creates a starter template, not legal advice or a ready-to-publish legal document. Have a legal professional review it for your jurisdiction, customers, products, and dispute process 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 generic starting point that still needs review.
    Which jurisdiction should I select?
    The selector only changes the country named in the Governing Law clause. It does not change the rest of the clauses, so replace it with the exact jurisdiction you need and get legal review.
    Do I need a refund policy clause?
    If you sell products, services, or subscriptions, include a refund clause and adapt it to the rules that apply to your customers. Refund rights vary by jurisdiction and product type.
    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 include a checkbox during signup, a footer link with notice text, or a click-to-accept flow before proceeding. Ask a legal professional which consent pattern fits your product and jurisdiction.
    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.