Enter your business name, describe your services, and select your business type. TextCharm generates a comprehensive terms and conditions document — covering acceptable use, liability limitations, intellectual property, payment terms, and user account rules — adapted to how your business actually operates. Not a substitute for legal advice.
This tool generates a terms and conditions document for informational and starting-point purposes only. It is not legal advice and does not create a lawyer-client relationship. Terms and conditions have significant legal implications — for payment disputes, liability claims, intellectual property, and account termination. For complex business models, regulated industries, or high-value transactions, consult a qualified legal professional before publishing.
TextCharm's Terms and Conditions Generator produces a comprehensive, tailored T&C document for your website, SaaS application, eCommerce store, or mobile app — based on the specific services you provide, whether you take payments, whether users create accounts, and the jurisdiction governing your business. Select your business type, describe your services, and configure the relevant options. The generator produces a complete document covering all the essential clauses, in clear and professionally structured language.
Terms and conditions are your legal contract with users — they define what your service provides, what users can and cannot do, who owns the intellectual property, what liability you accept, and what happens if either party terminates the relationship. Without a published T&C, you have limited legal recourse in disputes, no mechanism to remove abusive users, and no clear ownership statement for your content or software. This tool gives you a thorough, properly structured starting point — customised to your actual business, not a generic one-size-fits-all template.
A comprehensive terms and conditions document in three steps.
Enter your business name, website URL, and select your business type — the document structure and clauses are adjusted for SaaS applications, eCommerce stores, content sites, mobile apps, agencies, and marketplaces. Then describe the services or products your business provides: what users get access to, what you deliver, and how the core service works.
Select whether your business takes payments or offers subscriptions — this adds payment terms, refund policy references, and billing dispute clauses. Select whether users create accounts — this adds registration requirements, account security responsibilities, and termination provisions. Optionally specify the governing law jurisdiction so the T&C references the correct legal framework.
Read the generated document carefully. Verify that the clauses accurately reflect your actual business practices — particularly around refunds, account termination, and the specific services described. Edit any sections that need adjustment. Export as TXT, DOCX, or HTML, then publish to your website. Add a "last updated" date and link the document from your footer, sign-up flow, and checkout process.
A comprehensive T&C document needs to address every key aspect of the relationship between your business and your users. The generator covers all essential clauses.
Establishes that by using your website or service, users agree to be bound by the terms. Includes the effective date, how the agreement is formed, and what happens when terms are updated — ensuring the agreement is legally valid and enforceable.
"By accessing or using [Service], you agree to be bound by these Terms. If you do not agree, you may not access or use the service. Your continued use after any modification constitutes acceptance of the revised Terms."
When your service includes user accounts, this clause covers registration requirements, the user's responsibility to maintain account security, prohibited conduct (spam, illegal activity, impersonation), and your right to suspend or terminate accounts that violate the rules.
"You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify us immediately of any unauthorised use."
Clearly establishes ownership of all intellectual property — your website content, software, trademarks, and design — and the limited licence you grant users to access and use the service. Also addresses user-generated content where applicable.
"All content, software, and technology on [Service] is owned by or licensed to [Company] and protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable licence to access and use the service for its intended purpose."
Limits your legal exposure by capping the damages you can be held liable for, disclaiming implied warranties, and excluding liability for indirect, incidental, or consequential losses. One of the most legally significant clauses in any T&C document.
"To the maximum extent permitted by law, [Company] shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the service, even if advised of the possibility of such damages."
Included when your business takes payments. Covers pricing, billing cycles, subscription renewal, failed payment handling, refund eligibility, and the process for cancelling subscriptions — providing clear terms for payment disputes.
"Subscriptions are billed in advance on a monthly or annual basis. You may cancel at any time; access continues until the end of the current billing period. Refunds are issued at our discretion for annual plans cancelled within 14 days of payment."
Defines the conditions under which either party can end the agreement — your right to terminate accounts for violations, the user's right to cancel, what happens to data and access upon termination, and survival of clauses that remain in effect after the agreement ends.
"We may terminate or suspend your account at any time, with or without notice, for conduct that we determine violates these Terms or is harmful to other users, us, or third parties. Upon termination, your right to use the service immediately ceases."
A generic T&C template doesn't know whether you take payments, whether users create accounts, or what jurisdiction governs your agreements. This tool does.
The document structure and clauses change based on your business type. A SaaS app T&C covers software licence terms and service level expectations. An eCommerce T&C covers product returns, shipping liability, and marketplace rules. A content site T&C focuses on intellectual property and acceptable use. Not the same boilerplate for everyone.
When you indicate that your business takes payments, the generator includes billing terms, subscription renewal conditions, failed payment procedures, refund eligibility, and cancellation rights — the clauses most likely to be invoked in a real dispute with a paying customer.
When your service includes user accounts, the document includes account registration requirements, the user's responsibility to secure their credentials, a list of prohibited conduct, and your rights to suspend or permanently terminate accounts that violate the terms.
The limitation of liability clause — one of the most important in any T&C — is included and structured to limit your exposure to the maximum extent permitted by the governing jurisdiction, with appropriate disclaimers of implied warranties and exclusions of consequential damages.
The HTML export is formatted for direct use on your website — paste into a CMS page, a Webflow rich text block, or any HTML editor. Headings, paragraphs, and lists are correctly marked up. No reformatting required before publishing.
Specify the jurisdiction that governs the agreement — State of Delaware, England and Wales, Ontario, or any other — and the T&C references it in the governing law and dispute resolution clause. The choice of jurisdiction affects which legal framework applies to disputes, and should reflect where your business is incorporated.
Any website, app, or online business that needs a published T&C — which is nearly every digital business operating today.
Get a professionally structured T&C in place at launch — covering software access, account terms, subscription billing, and liability limitations. Generate a first draft based on your specific service, review carefully, and publish before your first paying customer signs up.
An eCommerce T&C covers your product descriptions, order acceptance, returns and refunds policy, shipping liability, and marketplace conduct rules. Generate a document specific to how your store operates — not a template your customers can tell came from a free generator.
Publish a legitimate terms and conditions document at launch without legal fees. Brief the tool on your product, configure the relevant options, and get a comprehensive starting-point document that covers the clauses most likely to matter in a real dispute.
Generate a tailored T&C for client websites and apps as part of a launch deliverable. Each document is customised to the client's specific business type, services, and payment model — far more defensible than a generic template copy-pasted across every project.
A published T&C is your legal contract with your users — and your first line of protection in a dispute. TextCharm generates a comprehensive, business-specific document in minutes. Not legal advice.
No credit card required. Free credits included on sign-up.