Terms of Service

Effective Date: [Date]

Welcome to [Company Name] ("we," "us"). By using [Website/App Name] (the "Service"), you agree to these Terms of Service.

1. Using the Service

You must be at least [Age] to use the Service. You're responsible for maintaining the confidentiality of your account and for all activity under it.

2. Acceptable Use

You agree not to: [violate any law, infringe others' rights, attempt to disrupt the Service, misuse others' data — list prohibited conduct relevant to your product].

3. User Content (if applicable)

[If users submit content: describe ownership — typically the user retains ownership, and grants you a license to display/use it in connection with the Service.]

4. Payment (if applicable)

[Describe billing, subscription terms, and refund policy, or reference a separate Refund Policy.]

5. Intellectual Property

The Service, excluding user content, is owned by [Company Name] and protected by intellectual property laws. You may not copy or reproduce it without permission.

6. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS," WITHOUT WARRANTIES OF ANY KIND.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, [COMPANY NAME]'S LIABILITY IS LIMITED TO THE AMOUNT YOU PAID US IN THE PAST 12 MONTHS.

8. Termination

We may suspend or terminate your access for violating these Terms.

9. Governing Law and Disputes

These Terms are governed by the laws of [State/Country]. [Optional: arbitration clause, if desired.]

10. Changes to These Terms

We may update these Terms; continued use after changes take effect constitutes acceptance.

Contact

Questions: [Email]

*This document is provided for informational and educational purposes only and does not constitute legal advice. If your service handles payments, health data, children's data, or operates across multiple countries (GDPR, CCPA, COPPA), you likely have additional legal obligations beyond a generic ToS — have a licensed attorney review your actual practices before publishing.*