Terms and Conditions Generator

Terms and conditions are the rulebook of a website or service. They explain who may use it, what users may and may not do, what you promise and what you do not, and which law applies when something goes wrong. This tool assembles a rulebook from your answers, so a membership site, a shop and an information site each get clauses that suit them and none of the clauses that do not.

What the form asks

You give the service name and address, the owner or company, a contact email, the governing law and an effective date. Then you choose the minimum age (13, 16 or 18) and four switches: users can create accounts, users can post content, you sell products, subscriptions or services, and the site has affiliate or third-party links. Two drop-downs finish the job: how disputes are settled, and how your liability is limited.

How the switches change the text

With accounts on, a clause makes users responsible for the accuracy of their details, their password and everything done under the account, and lets you suspend or close an account that breaks the terms. With user content on, users keep ownership of what they post but grant you a licence to host and display it, and promise they have the right to post it. With sales on, a prices and payment clause appears. With links on, a clause says you do not control third-party sites and are not responsible for them. Acceptance, acceptable use, intellectual property and termination are always there.

Disputes and liability

The dispute choice decides one clause. “The courts of the governing law” names those courts, “Binding arbitration” sends disputes to an arbitrator, and “Good-faith talks first, then the courts” asks both sides to try to resolve the matter informally before going to court. The liability choice is the one to think about longest. Limiting liability to what the user paid in the last 12 months is a common and moderate approach. Excluding liability as far as the law allows is stronger, and a fixed amount is easy to read but must make sense for your prices. Many countries do not allow terms to exclude liability for things such as death, fraud or consumer rights, and the text says “as far as the law allows” for that reason.

A worked example

The first sample is a membership site called Maple Notes. Accounts, user content and sales are on, so the 10 November 2026 text runs to about 700 words and includes clause 3 on accounts, clause 4 on content with the hosting licence, clause 5 on acceptable use and clause 7 on prices and payment. The minimum age is 18, so clause 2 says users must be at least 18 or the age of majority where they live if that is higher. The second sample, a simple information site, drops the account, content and payment clauses and is much shorter.

Common mistakes

Do not copy a long set of terms written for a bigger business: obligations you cannot keep are a liability of their own. Do not set the minimum age lower than your privacy policy allows. And make sure your sales terms do not offer shoppers less than the law gives them, such as cancellation rights, which a clause cannot take away.

Limits

This is a general template, not legal advice, and it cannot know your country’s consumer law, your industry’s rules or your own contracts with suppliers. Have the final text reviewed before you publish it, especially if you take payments or run a service for children.

Related tools

• Privacy Policy Generator covers personal data, which these terms leave to a separate page.
• Refund Policy Generator sets out returns and cancellations for the sales clause to point to.
• EULA Generator is the better fit when you distribute software instead of running a site.
• Disclaimer Generator adds subject-specific notices, such as no-advice statements.