Terms and Conditions Generator
Draft terms and conditions for a website, shop or subscription service, covering accounts, payment, refunds, liability and governing law.
<!-- A starting point, not legal advice. Consumer law sets minimums you cannot contract out of. -->
<h1>Terms and Conditions</h1>
<p><em>Last updated: 2026-01-01</em></p>
<p>These terms govern your use of https://example.com, operated by Acme Ltd. By using the site you accept them.</p>
<h2>Contacting us</h2>
<p>Email <a href="mailto:[email protected]">[email protected]</a> for anything about these terms or about an order.</p>
<h2>Your account</h2>
<p>You are responsible for keeping your password to yourself and for everything done through your account. Tell us promptly if you think someone else has access to it.</p>
<p>We may suspend or close an account that breaks these terms, is used to abuse other people, or is used to break the law. You can close your own account at any time by emailing us.</p>
<h2>Orders</h2>
<p>An order is an offer to buy. A contract exists once we send you an order confirmation. If something is mispriced or out of stock we will tell you and refund you in full rather than complete the order.</p>
<h2>Prices and payment</h2>
<p>Prices are shown on the product page and include applicable taxes unless stated otherwise. Payment is taken at checkout.</p>
<h2>Delivery</h2>
<p>We aim to dispatch within 3 to 5 working days. Estimates are not guarantees, and delays with a courier are outside our control. Risk in the goods passes to you on delivery.</p>
<h2>Returns and refunds</h2>
<p>You may cancel and return an order within 14 days of receiving it, for any reason. Items should come back in the condition you received them. We refund within 14 days of getting the goods back, using the same payment method.</p>
<p>This does not affect your legal rights where an item is faulty or not as described.</p>
<h2>Our content</h2>
<p>Everything on the site other than your own contributions belongs to Acme Ltd or to whoever licensed it to us. Ask before reusing it beyond normal quotation.</p>
<h2>Accuracy</h2>
<p>We take care with what we publish, but we do not promise it is complete or current. Anything that reads as advice is general information, and you should take proper advice before acting on it.</p>
<h2>Liability</h2>
<p>Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud, or for anything else the law does not allow to be limited.</p>
<p>Subject to that, we are not liable for indirect or consequential loss, or for loss of profits, revenue or data. Where we are liable, our liability is limited to the amount you paid us in the twelve months before the claim.</p>
<h2>Changes</h2>
<p>We may update these terms. The date at the top shows when they last changed, and continuing to use the site means you accept the current version.</p>
<h2>Governing law</h2>
<p>These terms are governed by the law of England and Wales, and disputes are subject to the courts of England and Wales. If you are a consumer, this does not remove protections you have under the law of the country you live in.</p>
Output is valid and updates as you type.
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Draft terms and conditions for a website, shop, subscription or download business. It is a starting point for a lawyer or a careful read, not legal advice.
How to use
- Pick what the site actually is. A shop needs delivery and returns; a subscription needs renewal and cancellation; an informational site needs neither.
- Set the refund window honestly. In the UK and EU, distance selling gives consumers 14 days, and terms cannot take that away.
- Name the governing law. Without it, which country’s courts hear a dispute is an argument rather than a clause.
- Keep the liability section. The parts you cannot exclude are stated first on purpose: a clause that tries to exclude them can make the whole section unenforceable.
- Read it against how you actually operate before publishing.
Example
The refund clause for digital downloads, which is the one most often written wrongly:
<p>Because a download is available immediately, you agree at checkout that
delivery begins at once and that you lose the right to cancel once it has
started.</p>That waiver only works if the customer actively agrees before the download starts and you tell them what they are giving up. A checkbox at checkout, not a line buried here.
Pitfalls
- Consumer law sets minimums that terms cannot override. A 7 day refund window in a market with a 14 day statutory right is unenforceable, and stating it invites a complaint.
- A blanket “no refunds” clause is void for consumers in most of Europe and much of the world.
- Automatically renewing subscriptions have their own rules in several countries, including notice before renewal and easy cancellation.
- Liability clauses that try to exclude death, personal injury or fraud are unenforceable, and in some jurisdictions that infects the surrounding clause too.
- Terms are not a privacy policy. Data handling belongs in the policy, and both are usually required.
- Governing law does not always stop a consumer suing where they live. It sets the default, not an absolute.
- Copying a competitor’s terms copies their business model, including the parts that do not match yours.
- Terms that change silently are hard to enforce. Date them, and tell people when something significant changes.
Compatibility
The output is plain HTML that pastes into the WordPress block editor, where it converts to blocks. The consumer protection wording reflects UK and EU distance selling norms, which are close to those in Australia, Canada and much of Asia, and stricter than the United States baseline. The tool runs entirely in your browser: nothing you type is uploaded.
Frequently asked questions
Is this legally binding?
Published terms that a customer accepts are generally binding, to the extent each clause is enforceable where they live. That is why the drafting matters.
Do I need both terms and a privacy policy?
Yes. They do different jobs, and in the UK and EU the privacy policy is a legal requirement in its own right.
Can I refuse refunds on digital downloads?
Only with an express waiver taken before the download starts, and only where local law allows it. The generator includes that wording rather than a blanket exclusion.
What should governing law be?
Usually where your business is established. It does not always prevent a consumer from suing at home.
Should a lawyer review this?
For anything taking money, yes. This gets you a coherent draft to review rather than a blank page.