The most important thing to know before using this tool: it is not legal advice, and it is not a finished document. The business type you select changes the service description and adds type-specific sections, but an indemnification clause, detailed refund terms, and a defined dispute-resolution process aren't included and need to be added yourself if your business needs them.
Is this tool's generated Terms of Service legal advice?
No. It's a static, generic template with your business details inserted - no attorney has drafted or reviewed it, it isn't tailored to your specific business or jurisdiction, and it isn't a substitute for professional legal advice.
Does the Business Type selector change which clauses are included?
Yes. Choosing SaaS/Software, E-Commerce, Service/Agency, or Blog/Content changes the service description and adds sections for that type - subscriptions and service availability for SaaS, orders/pricing and shipping/returns for E-Commerce, engagements and confidentiality for Service/Agency, and user comments plus a no-professional-advice notice for Blog/Content (which has no user-accounts section). Each type produces a different document of 12 or 13 numbered sections, and each section appears once. The clauses are short generic boilerplate, so add the specifics your business needs.
Does the generated document include e-commerce clauses like refunds or payment terms?
Only in a short, generic form. Choosing "E-Commerce" adds an Orders, Pricing, and Payment section (orders depend on acceptance and availability, prices can change, payment is due at purchase) and a Shipping and Returns section (delivery times are estimates; returns follow your returns policy and consumer law). There's no actual returns policy, refund period or shipping rate in the text - write those yourself.
Does it include an indemnification clause or a dispute-resolution process?
No. Neither an indemnification clause nor a defined dispute-resolution mechanism (arbitration, venue, etc.) is part of the template. The Governing Law section names a country but doesn't specify how disputes are actually resolved.
Is my business information sent anywhere when I use this tool?
No. The document is assembled entirely in your browser from the fields you fill in - nothing is sent to a server or stored remotely.
Do I legally need terms and conditions on my website?
There is no universal law requiring terms and conditions for all websites. However, they are strongly recommended because: they limit your liability for user misuse, establish IP ownership of your content, define rules for prohibited behavior, set the governing law for disputes, and allow account termination for policy violations. Without terms, users have no contractual restriction on their behavior, and your legal remedies are limited to general law rather than your specific contractual terms.
Are auto-generated terms and conditions legally enforceable?
Auto-generated terms can be legally enforceable if: users have a genuine opportunity to read them, they affirmatively accept them (checkbox, not just continued use in most jurisdictions), the terms do not contain unlawful provisions, and they are specific enough to be meaningful. Courts have upheld 'click-wrap' agreements where users actively check a box, and have sometimes declined to enforce 'browse-wrap' agreements where terms were only accessible via a small footer link. This tool generates the document text only - it doesn't provide an acceptance checkbox or any click-wrap mechanism; you're responsible for how you present and obtain acceptance of the terms on your own site.
What sections should be in terms and conditions?
A comprehensive T&C typically covers: Acceptance of terms, Description of service, User accounts and responsibilities, Intellectual property rights, Prohibited uses, Disclaimers and limitation of liability, Indemnification, Termination, Governing law and dispute resolution, and Changes to terms. E-commerce sites often add: Payment terms, Returns and refund policy, Product availability disclaimers, and Shipping terms. This is general education about a complete T&C - this tool's template covers the core items (acceptance, service description, accounts where relevant, acceptable use, intellectual property, disclaimers, limitation of liability, termination, governing law and changes) plus short type-specific sections, such as orders and shipping/returns for E-Commerce. It does not generate an indemnification clause or a dispute-resolution mechanism; add them yourself if your business needs them.
What is a limitation of liability clause?
A limitation of liability clause caps how much you can be held responsible for if something goes wrong - typically limiting liability to the amount paid by the user in the past 12 months or a fixed amount. It protects against disproportionate claims relative to the service value. These clauses are enforceable in most jurisdictions but cannot limit liability for: death or personal injury caused by negligence, fraud, intentional misconduct, or consumer protection violations in many countries.
How often should I update my terms and conditions?
Update your T&C when: you add new features or services, your business model changes (e.g., adding subscriptions), you process new types of data, legislation changes affect your obligations, or you identify gaps in existing coverage. Tell users about material changes - for privacy policies, laws such as GDPR expect people to be informed of significant changes, and the same courtesy is good practice for T&C. Date-stamp your terms so users can see when they were last updated. Most businesses review annually at minimum.