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Free tool · Terms Terms and conditions generator for stores, SaaS and websites

Terms and conditions set the rules between you and your users: who may use the service, how payment and renewal work, what users must not do, who owns what, and the limits of your liability. Pick what you offer and the features you have, and the generator writes the matching sections, with consumer-law carve-outs so the liability clauses do not overreach.

  • Built from your answers
  • Template, not legal advice
  • Generated in your browser
Generator

Describe your service, get terms

Sections for accounts, paid plans and user content appear only when you tick them. The Chinese version is a 用户服务协议 written for Chinese law, not a translation.

This is a template, not legal advice. Terms are a contract: check every clause against how your service really works, and have a qualified lawyer review them before you publish.

About you

English is written for common-law and EU consumer rules; Chinese is a 用户服务协议 under Chinese law. Not translations of each other.

YYYY-MM-DD. Leave empty for today.

The legal name of the business responsible for the data.

Where people send access or deletion requests.

Your service

A number. Check the age rules that apply to your audience.

Law and disputes

For example “the laws of England and Wales” or “the laws of the State of Delaware”.

For example “the courts of England and Wales”.

Checklist

What the draft covers and what to check before publishing.

  • CoveredIncludes a consumer-law carve-out in the disclaimer and liability clauses; terms that cut into mandatory consumer rights are unenforceable in many countries (EU Directive 93/13/EEC).

Preview

Terms and Conditions

Northwind · Last updated: 2026-11-11

These terms govern your use of Northwind (https://northwind.example), our online store operated by Northwind Trading Ltd ("we", "us"). By using Northwind or creating an account, you agree to these terms. If you do not agree, do not use it. Our Privacy Policy explains how we handle personal data.

1. Who may use the service

You must be at least 16 years old, or have the permission of a parent or guardian, to use Northwind. If you use it on behalf of a company, you confirm that you are authorised to accept these terms for it.

2. Your account

Give us accurate information when you register and keep it up to date. You are responsible for keeping your password secure and for everything that happens under your account. Tell us straight away at privacy@northwind.example if you think someone else has used it.

3. Orders, prices and payment

Product descriptions and prices are shown on the site and include or exclude taxes as stated at checkout. An order is an offer to buy; the contract is formed when we confirm dispatch or acceptance by email. If an item is mispriced or unavailable, we will tell you and you may cancel the order for a full refund.

Refunds, returns and cancellations are covered by our Refund Policy. If you are a consumer in the European Union or the UK, you may also have a statutory right to withdraw from the contract within 14 days, as described there.

4. Acceptable use

You agree not to:

  • break any law or anyone else’s rights while using the service
  • upload malware, or try to break, overload or gain unauthorised access to the service or its systems
  • scrape, copy or resell the service or its content without our written permission
  • use the service to send spam or to harass, defraud or mislead anyone

5. Our intellectual property

Northwind, including its software, design, text and trademarks, belongs to Northwind Trading Ltd or our licensors. These terms give you a limited, personal, non-transferable right to use it as intended; they do not transfer any ownership to you.

6. Third-party links and services

The service may link to or integrate with websites and services we do not control. We are not responsible for their content or practices, and your use of them is governed by their own terms.

7. Disclaimers

We work to keep the service available and accurate, but it is provided "as is" and "as available". To the extent the law allows, we do not give any warranty that it will be uninterrupted, error-free or fit for a particular purpose. Nothing in these terms limits any rights you have as a consumer that cannot be excluded by law.

8. Limitation of liability

To the extent the law allows, Northwind Trading Ltd is not liable for indirect or consequential losses, or for loss of profits, revenue or data, and our total liability for any claim related to the service is limited to the amount you paid us in the 12 months before the claim (or 100 US dollars if you have not paid us). We do not exclude liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot be excluded by law.

9. Suspension and termination

You can stop using the service at any time and close your account. We may suspend or end your access if you seriously or repeatedly break these terms, or if the law requires it; where reasonable, we will tell you first and give you a chance to fix the problem. Sections that by their nature should survive termination, such as intellectual property, disclaimers and limitation of liability, continue to apply.

10. Changes to these terms

We may update these terms. We will post the new version here with a new date and, for material changes, tell you in advance by email or in the service. If you keep using the service after the changes take effect, you accept the new terms.

11. Governing law and disputes

These terms are governed by the laws of England and Wales. Disputes will be decided by the courts of England and Wales. If you are a consumer, you also keep the protection of the mandatory laws of the country where you live, and you may bring proceedings there.

12. Contact

Northwind Trading Ltd. Email: privacy@northwind.example.

Markdown
<!-- Draft generated from the TapCub template (tapcub.com/tools). Not legal advice: have it reviewed by a qualified lawyer before you publish. -->

# Terms and Conditions

**Northwind** · Last updated: 2026-11-11

These terms govern your use of Northwind (https://northwind.example), our online store operated by Northwind Trading Ltd ("we", "us"). By using Northwind or creating an account, you agree to these terms. If you do not agree, do not use it. Our [Privacy Policy](https://northwind.example/privacy) explains how we handle personal data.

## 1. Who may use the service

You must be at least 16 years old, or have the permission of a parent or guardian, to use Northwind. If you use it on behalf of a company, you confirm that you are authorised to accept these terms for it.

## 2. Your account

Give us accurate information when you register and keep it up to date. You are responsible for keeping your password secure and for everything that happens under your account. Tell us straight away at [privacy@northwind.example](mailto:privacy@northwind.example) if you think someone else has used it.

## 3. Orders, prices and payment

Product descriptions and prices are shown on the site and include or exclude taxes as stated at checkout. An order is an offer to buy; the contract is formed when we confirm dispatch or acceptance by email. If an item is mispriced or unavailable, we will tell you and you may cancel the order for a full refund.

Refunds, returns and cancellations are covered by our [Refund Policy](https://northwind.example/refunds). If you are a consumer in the European Union or the UK, you may also have a statutory right to withdraw from the contract within 14 days, as described there.

## 4. Acceptable use

You agree not to:

- break any law or anyone else’s rights while using the service
- upload malware, or try to break, overload or gain unauthorised access to the service or its systems
- scrape, copy or resell the service or its content without our written permission
- use the service to send spam or to harass, defraud or mislead anyone

## 5. Our intellectual property

Northwind, including its software, design, text and trademarks, belongs to Northwind Trading Ltd or our licensors. These terms give you a limited, personal, non-transferable right to use it as intended; they do not transfer any ownership to you.

## 6. Third-party links and services

The service may link to or integrate with websites and services we do not control. We are not responsible for their content or practices, and your use of them is governed by their own terms.

## 7. Disclaimers

We work to keep the service available and accurate, but it is provided "as is" and "as available". To the extent the law allows, we do not give any warranty that it will be uninterrupted, error-free or fit for a particular purpose. **Nothing in these terms limits any rights you have as a consumer that cannot be excluded by law.**

## 8. Limitation of liability

**To the extent the law allows, Northwind Trading Ltd is not liable for indirect or consequential losses, or for loss of profits, revenue or data, and our total liability for any claim related to the service is limited to the amount you paid us in the 12 months before the claim (or 100 US dollars if you have not paid us).** We do not exclude liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot be excluded by law.

## 9. Suspension and termination

You can stop using the service at any time and close your account. We may suspend or end your access if you seriously or repeatedly break these terms, or if the law requires it; where reasonable, we will tell you first and give you a chance to fix the problem. Sections that by their nature should survive termination, such as intellectual property, disclaimers and limitation of liability, continue to apply.

## 10. Changes to these terms

We may update these terms. We will post the new version here with a new date and, for material changes, tell you in advance by email or in the service. If you keep using the service after the changes take effect, you accept the new terms.

## 11. Governing law and disputes

These terms are governed by the laws of England and Wales. Disputes will be decided by the courts of England and Wales. If you are a consumer, you also keep the protection of the mandatory laws of the country where you live, and you may bring proceedings there.

## 12. Contact

Northwind Trading Ltd. Email: [privacy@northwind.example](mailto:privacy@northwind.example).

For static sites, GitHub, Notion or any editor that accepts Markdown.

HTML
<article lang="en" class="policy">
<!-- Draft generated from the TapCub template (tapcub.com/tools). Not legal advice: have it reviewed by a qualified lawyer before you publish. -->
<h1>Terms and Conditions</h1>
<p><strong>Northwind</strong> · Last updated: 2026-11-11</p>
<p>These terms govern your use of Northwind (https://northwind.example), our online store operated by Northwind Trading Ltd (&quot;we&quot;, &quot;us&quot;). By using Northwind or creating an account, you agree to these terms. If you do not agree, do not use it. Our <a href="https://northwind.example/privacy">Privacy Policy</a> explains how we handle personal data.</p>
<h2>1. Who may use the service</h2>
<p>You must be at least 16 years old, or have the permission of a parent or guardian, to use Northwind. If you use it on behalf of a company, you confirm that you are authorised to accept these terms for it.</p>
<h2>2. Your account</h2>
<p>Give us accurate information when you register and keep it up to date. You are responsible for keeping your password secure and for everything that happens under your account. Tell us straight away at <a href="mailto:privacy@northwind.example">privacy@northwind.example</a> if you think someone else has used it.</p>
<h2>3. Orders, prices and payment</h2>
<p>Product descriptions and prices are shown on the site and include or exclude taxes as stated at checkout. An order is an offer to buy; the contract is formed when we confirm dispatch or acceptance by email. If an item is mispriced or unavailable, we will tell you and you may cancel the order for a full refund.</p>
<p>Refunds, returns and cancellations are covered by our <a href="https://northwind.example/refunds">Refund Policy</a>. If you are a consumer in the European Union or the UK, you may also have a statutory right to withdraw from the contract within 14 days, as described there.</p>
<h2>4. Acceptable use</h2>
<p>You agree not to:</p>
<ul><li>break any law or anyone else’s rights while using the service</li><li>upload malware, or try to break, overload or gain unauthorised access to the service or its systems</li><li>scrape, copy or resell the service or its content without our written permission</li><li>use the service to send spam or to harass, defraud or mislead anyone</li></ul>
<h2>5. Our intellectual property</h2>
<p>Northwind, including its software, design, text and trademarks, belongs to Northwind Trading Ltd or our licensors. These terms give you a limited, personal, non-transferable right to use it as intended; they do not transfer any ownership to you.</p>
<h2>6. Third-party links and services</h2>
<p>The service may link to or integrate with websites and services we do not control. We are not responsible for their content or practices, and your use of them is governed by their own terms.</p>
<h2>7. Disclaimers</h2>
<p>We work to keep the service available and accurate, but it is provided &quot;as is&quot; and &quot;as available&quot;. To the extent the law allows, we do not give any warranty that it will be uninterrupted, error-free or fit for a particular purpose. <strong>Nothing in these terms limits any rights you have as a consumer that cannot be excluded by law.</strong></p>
<h2>8. Limitation of liability</h2>
<p><strong>To the extent the law allows, Northwind Trading Ltd is not liable for indirect or consequential losses, or for loss of profits, revenue or data, and our total liability for any claim related to the service is limited to the amount you paid us in the 12 months before the claim (or 100 US dollars if you have not paid us).</strong> We do not exclude liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot be excluded by law.</p>
<h2>9. Suspension and termination</h2>
<p>You can stop using the service at any time and close your account. We may suspend or end your access if you seriously or repeatedly break these terms, or if the law requires it; where reasonable, we will tell you first and give you a chance to fix the problem. Sections that by their nature should survive termination, such as intellectual property, disclaimers and limitation of liability, continue to apply.</p>
<h2>10. Changes to these terms</h2>
<p>We may update these terms. We will post the new version here with a new date and, for material changes, tell you in advance by email or in the service. If you keep using the service after the changes take effect, you accept the new terms.</p>
<h2>11. Governing law and disputes</h2>
<p>These terms are governed by the laws of England and Wales. Disputes will be decided by the courts of England and Wales. If you are a consumer, you also keep the protection of the mandatory laws of the country where you live, and you may bring proceedings there.</p>
<h2>12. Contact</h2>
<p>Northwind Trading Ltd. Email: <a href="mailto:privacy@northwind.example">privacy@northwind.example</a>.</p>
</article>

An HTML fragment to paste into your CMS or page template.

Runs entirely in your browser. Nothing you type here is uploaded or stored by TapCub.

Version v1.0Updated Update history

Read the result

What the terms do and do not do

Terms are a contract; how far they hold depends on consumer law where your users live.

Bold clauses

Renewal, liability limits and, in the Chinese version, every clause that limits your liability are in bold. Courts in many countries look at whether such terms were brought to the user’s attention.

Consumer carve-outs

The disclaimer and liability sections say they do not limit rights that cannot be excluded by law. Without that, the whole clause can be void for consumers.

Governing law

Choose the law you operate under. Consumers in the EU usually keep the protection of their own country’s mandatory law anyway, and the draft says so.

Links to other policies

Terms point to your privacy policy and refund policy instead of repeating them. Generate those on the other two tabs.

For marketplaces, financial services, health or anything regulated, start from a lawyer’s template rather than this one.

How to use it

From blank page to published policy

Plan on ten minutes here and a review afterwards.

  1. 1

    List what you really collect

    Open your site with the browser’s developer tools and note every form, script, pixel and embedded service. The browser privacy check shows what a browser exposes.

  2. 2

    Tick the matching options

    Choose the language and laws, the data you collect and the providers you use. Fill in retention rules per type of data.

  3. 3

    Clear the checklist

    Fill every placeholder and resolve each “Fix” and “Check” item, for example by adding a consent banner before you load ad pixels.

  4. 4

    Review and publish

    Have the text reviewed, publish it at a stable address such as /privacy, link it from the footer and every form that collects data, and update the date when anything changes.

What shapes the clauses

The rules behind the template

No law requires a document called “terms and conditions”, but several rules decide whether its clauses hold.

  • EU Unfair Contract Terms Directive 93/13/EEC: standard terms must be in plain, intelligible language (Art. 5), and unfair terms do not bind consumers
  • China Civil Code Art. 496: whoever provides standard terms must draw attention to clauses that exclude or limit their liability and explain them on request
  • China Online Transaction Supervision Measures Art. 18: auto-renewal needs a prominent reminder before the service starts and five days before each renewal
  • China Cybersecurity Law Art. 24: posting and instant messaging services must collect real identity information
Which sections each option adds
OptionSections added
Users create accountsYour account; closing the account on termination
Paid plans that renewPlans, billing and renewal; link to the refund policy and EU withdrawal
Online storeOrders, prices and payment
Users can post contentContent you post (licence, removal); real-name note in the Chinese version
Worked example

Same option, two legal systems

Ticking “paid plans that renew automatically” produces different clauses in the English and Chinese drafts.

Renewal clause by language
DraftWhat the renewal clause says
EnglishBilled in advance; renews for the same period unless cancelled before the period ends; cancel any time, effective at the end of the paid period; notice before price changes.
ChineseBilled in advance; a prominent reminder before the service starts and five days before each automatic renewal; cancel auto-renewal any time in account settings.

Both are in bold because they affect what the user pays.

Common mistakes

Privacy policies that backfire

Regulators and app stores compare the policy with what the site does.

Copying another site’s policy

Their tools, data and providers are not yours. A copied policy usually lists things you do not do and misses the pixel you do run.

“As long as necessary”

Retention needs a period or the criteria that set it. Write one rule per type of data, such as “30 days after the account is closed”.

Policy says consent, site does not ask

Saying “we load ads only after you agree” while the pixel fires on page load is worse than saying nothing. Fix the banner first.

Never updating it

Add a new tool, update the policy and the date. California expects the policy to be updated at least once every 12 months.

FAQ

Privacy policy questions

Still have a question?

Chat with the team behind TapCub — we usually reply within a few hours on business days.

Do I legally need terms and conditions?

Usually no law says so directly, but you need them to set payment, renewal and cancellation rules, to limit liability where the law allows, and to be able to suspend abusive users. App stores and payment providers often require them too.

What is the difference between terms and conditions and a privacy policy?

Terms are the contract for using your service. A privacy policy is a notice about personal data that the law requires you to give. Keep them separate and link from one to the other.

Can I limit my liability to zero?

Not towards consumers in most countries. You cannot exclude liability for death or personal injury caused by negligence or for fraud, and broad exclusions can be struck out as unfair. The draft caps liability at what the user paid in 12 months, with those exceptions.

How do I make users accept the terms?

Show a link next to the sign-up or checkout button with clear wording such as “By creating an account you agree to the Terms”, or use an unticked checkbox. Keep a record of which version each user accepted.

Changelog

Update history

New features, fixes and data refreshes for this tool, newest first.

  1. · v1.0

    LaunchedFirst release.

Data this tool relies on

  • GDPR, CCPA/CPRA and PIPL requirements — checked 2026-11-10, reviewed every 6 months (next review by 2027-05-10)

Missing something or found an error? Tell us — requests that come up often go into the next update. All tool updates

Next step

Measure your site without adding to the privacy policy

TapCub analytics sets no cookies by default and does not store raw IP addresses, so the analytics paragraph stays short.

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