Terms & Conditions Generator — Free T&C Template

Company / Website Name

Website URL

Contact Email

Business Type

Governing Law (Country or State)

Effective Date (YYYY-MM-DD)

What is a T&C Generator?

A Terms & Conditions Generator is a tool that produces a customised T&C document by asking you a handful of questions about your business, its name, URL, type, and governing jurisdiction. Instead of starting from a blank page or paying for a generic template, you get a structured legal document tailored to the specific obligations and risks of your business model in minutes.

The Terms & Conditions document itself is one of the foundational legal texts for any online business. It defines the rules users must accept before using your website, app, or platform. It asserts your intellectual property rights over your content, limits your liability for service failures, explains what happens when users violate your policies, and names the legal jurisdiction that will govern any disputes.

For Indian founders, solo developers, and small businesses, who often operate across multiple platforms and product types, having a robust T&C is not optional. The Consumer Protection (E-Commerce) Rules 2020 require e-commerce entities to display clear terms covering returns, refunds, and grievance redressal. The Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules 2021 require platforms to maintain published terms. Even a personal finance blog benefits from clearly stating that its content is not financial advice.

This generator covers five business types, SaaS / Web App, E-commerce Store, Blog / Content Site, Mobile App, and Marketplace / Platform, each with a clause set matched to its risk profile. The governing law field lets you specify India, a US state, the UK, or any other jurisdiction, and the output will reference that in the jurisdiction clause. Every generated document includes a prominent notice that it is a starting template and not a substitute for advice from a qualified lawyer.

Important: The document produced by this generator is a template only. It is not legal advice and does not create a solicitor-client relationship. For businesses handling payments, sensitive personal data, or regulated activities, consult a qualified legal professional before publishing your Terms & Conditions.

Why Use a Terms & Conditions Generator?

Writing a T&C from scratch takes hours and requires understanding the interplay of contract law, IP rights, consumer protection statutes, and platform-specific obligations. Hiring a lawyer to draft one from scratch costs anywhere from ₹5,000 to ₹50,000 or more depending on complexity. This generator gives you a legally structured starting point in under two minutes, covering the sections that matter most for your business type, at no cost and without registration.

The practical value is immediate. If you are launching a SaaS product next week and need something on your domain before you can start onboarding paid users, you can generate a document, review it, and publish it today. If your e-commerce store is already live but lacks a returns and shipping policy section in its T&C, you can regenerate with the e-commerce type and add the new clauses within minutes.

For global teams and Indian startups building tools for international audiences, the generator's governing law field means you are not locked into a US-centric template. You can specify India, Singapore, the UK, or any jurisdiction relevant to your user base. Pair this with the Privacy Policy Generator to cover your full legal documentation baseline.

Who Should Use This Generator?

Solo developers and indie founders launching SaaS products, mobile apps, or subscription tools need T&C coverage before they can responsibly collect payments or user data. This generator gives them a working draft without a legal budget.

E-commerce store owners, particularly those on Shopify, WooCommerce, or custom storefronts selling to Indian consumers, must comply with the Consumer Protection (E-Commerce) Rules 2020. The e-commerce template includes a returns and refunds section to help meet this obligation.

Bloggers and content creators running monetised blogs with affiliate links, sponsored content, or embedded third-party services need a T&C that disclaims liability for external content and asserts copyright over their writing. The blog template is the leanest option and is appropriate for content-only sites.

Marketplace and platform operators connecting buyers and sellers, whether for services, digital goods, or physical products, face the most complex T&C requirements. The marketplace template addresses buyer obligations, seller obligations, platform fees, and dispute resolution between parties.

Small businesses and agencies building client websites can use the generator to produce a boilerplate T&C for each client project, then customise it based on the client's actual business activities. Pair it with the Disclaimer Generator for sites that publish advice-type content in finance, health, or legal domains.

What Insights Does the T&C Generator Give You?

The generator's primary output is a structured Terms & Conditions document customised by business type. Here is what each option produces and why the differences matter:

SaaS / Web App adds clauses specific to software services: account registration and security obligations, acceptable use policy (prohibiting scraping, automated abuse, and reverse engineering), service availability and scheduled downtime provisions, and subscription/payment terms including how upgrades, downgrades, and cancellations work. These clauses address the most common disputes between SaaS products and their users.

E-commerce Store adds a product and pricing section (covering price errors and order confirmation), a shipping and delivery clause, and a returns, refunds, and exchanges section. For Indian stores, this is the most regulated business type, the Consumer Protection Act and E-Commerce Rules impose specific disclosure requirements around grievance redressal and cancellation rights.

Blog / Content Site produces the simplest document. It focuses on copyright ownership of the content, a disclaimer that the blog's content is for informational purposes only, comment moderation policy, and a limitation of liability for third-party links. Appropriate for personal finance blogs, news sites, and portfolios.

Mobile App adds clauses for app store distribution (acknowledging that the App Store or Google Play are third-party platforms outside the developer's control), device permissions the app requests, push notification opt-out, and in-app purchase terms.

Marketplace / Platform is the most comprehensive. It adds distinct sections for sellers (listing obligations, accurate descriptions, prohibited items, fee structure) and buyers (payment, disputes, feedback), plus a platform neutrality clause clarifying that the operator is not party to transactions between users.

The governing law field affects the jurisdiction clause, the dispute resolution clause (courts vs. arbitration, and which city's courts have jurisdiction), and the applicable consumer protection references.

How to use this T&C Generator calculator

Enter your Company / Website Name in the first field. This name appears throughout the document wherever the operator is referenced, use your legal trading name or the name under which your website/app is published.
Enter your Website URL (e.g. https://www.yoursite.com). This appears in the document's opening clause identifying the agreement's scope.
Enter your Contact Email, the address users should use for legal notices, complaints, or T&C enquiries. Use a monitored inbox (e.g. legal@yoursite.com) rather than a personal address.
Select your Business Type from the dropdown. Choose the option that most closely matches how your site or app makes money and what it offers users: SaaS / Web App, E-commerce Store, Blog / Content Site, Mobile App, or Marketplace / Platform. This selection controls which clause sets are included in the output.
Enter the Governing Law, the country or state whose legal system will govern the document (e.g. India, Karnataka, India, Delaware, USA, England and Wales). Be specific: if you are an Indian company, naming the state helps because some proceedings in India are filed in state courts.
Set the Effective Date in YYYY-MM-DD format. This is the date from which the T&C takes effect. If you are publishing for the first time, use today's date. If you are replacing an older T&C, use the date from which the new version applies.
Click Generate. The full T&C document appears in the output panel. Use the Copy button to copy the entire document to your clipboard. Paste it into your website's CMS, a Google Doc for lawyer review, or your app's legal settings page. Review every section before publishing, the generated document is a starting point, not a finished legal instrument.

Show formula & methodology ↓Show less ↑

Formula & Methodology

### How the clause set is assembled

The generator uses your Business Type selection as the primary input to determine which standard sections to include. Every generated document contains this universal baseline:

1. Acceptance of Terms, establishes that using the site constitutes agreement to the T&C
2. Use of the Site, permitted uses and a list of prohibited activities (scraping, impersonation, posting illegal content)
3. Intellectual Property, asserts the operator's copyright over site content; grants users a limited, non-exclusive licence to access it
4. User-Generated Content (where applicable), grants the operator a licence to host and display user submissions
5. Disclaimer of Warranties, states that the service is provided "as is" with no guarantee of uninterrupted availability or fitness for a particular purpose
6. Limitation of Liability, caps the operator's aggregate liability, typically to the amount paid by the user in the preceding 12 months or a nominal figure for free services
7. Termination, reserves the right to suspend or terminate accounts for policy violations
8. Governing Law & Dispute Resolution, names the jurisdiction and the mechanism (courts or arbitration) for resolving disputes
9. Changes to Terms, explains how and when the T&C may be updated and how users will be notified
10. Contact Information, the contact email entered by the user

Business-type-specific sections are layered on top:

| Business Type | Additional Sections |
|---|---|
| SaaS / Web App | Account registration & security; Acceptable use policy; Service availability; Subscription & payment terms |
| E-commerce Store | Product listing & pricing; Order confirmation & processing; Shipping & delivery; Returns, refunds & exchanges |
| Blog / Content Site | Comments policy; Third-party links disclaimer; Editorial independence notice |
| Mobile App | App store third-party terms; Device permissions; In-app purchases; Push notifications |
| Marketplace / Platform | Seller obligations; Buyer obligations; Platform fees; Transaction disputes; Prohibited listings |

### How governing law shapes the document

The Governing Law field populates the jurisdiction clause. For India, the document references the Indian Contract Act 1872 and, where relevant, the Consumer Protection Act 2019 and the IT Act 2000. For EU jurisdictions, a note about GDPR compliance is added. For US states, the document references that state's commercial code. The dispute resolution clause also adjusts: Indian T&C documents typically reference arbitration under the Arbitration and Conciliation Act 1996 with a named city seat; US documents may reference state courts or the American Arbitration Association.

### Why the legal-advice disclaimer matters

No automated generator can account for your specific business activities, the actual regulatory environment in your sector, recent court decisions in your jurisdiction, or the nuances of your contracts with suppliers and third parties. The disclaimer in the generated document is not boilerplate, it is a genuine caution. A template T&C reduces your exposure compared to having none, but a document reviewed by a qualified lawyer reduces it further. For businesses handling payment card data, health records, financial advice, or children's accounts, professional legal review is not optional.

For your complete legal documentation baseline, pair this with a Privacy Policy Generator (covering data collection and user rights) and, where your site publishes advice-type content, a Disclaimer Generator. If you are setting up your site's technical SEO at the same time, the Open Graph & Twitter Card Generator helps ensure your legal pages render correctly when shared on social media.

Frequently Asked Questions

What is a Terms & Conditions document?

A Terms & Conditions (T&C) document is a legal agreement between a website or app owner and its users. It sets out the rules users must follow, what rights you reserve as the operator, and what liability you accept. Almost every commercial website, app, or online service publishes one to protect the business and inform users of their obligations.

Is a Terms & Conditions document legally required?

No law universally mandates a T&C document, but specific business models make one effectively essential. E-commerce stores in India, for example, must disclose refund and returns policies under the Consumer Protection (E-Commerce) Rules 2020. Marketplaces, SaaS products, and apps that restrict user behaviour or limit liability practically cannot function without one. Even if not strictly required, operating without a T&C exposes you to disputes where your policies are undefined.

Are online Terms & Conditions enforceable in India?

Yes, contracts formed online are enforceable in India under the Indian Contract Act 1872 and the Information Technology Act 2000, provided the basic requirements of offer, acceptance, consideration, and free consent are met. Courts have upheld clickwrap agreements (where users click 'I Agree') as valid acceptance. However, clauses that are grossly unfair, ambiguous, or contrary to statute may be struck down, which is why reviewing any template with a qualified lawyer is advisable.

What is the difference between Terms & Conditions and a Privacy Policy?

A Terms & Conditions document governs the relationship between you and your users, it covers permitted use, IP ownership, liability limits, and dispute resolution. A Privacy Policy specifically explains how you collect, store, and use personal data. Most websites need both documents. You can generate a complementary [Privacy Policy Generator](/privacy-policy-generator/) document on this platform.

What is 'governing law' in a T&C, and how do I choose it?

Governing law is the legal system whose rules will be used to interpret and enforce your T&C. If a dispute reaches a court or arbitration, the governing law clause tells both parties which jurisdiction's statutes and precedents apply. An Indian startup serving Indian users would typically choose India (and specify the state, e.g. Karnataka or Maharashtra). A company incorporated in the US but serving globally might choose Delaware or California. Choose the jurisdiction where your business is registered or where you have the most legal resources.

Do I need a lawyer to use this generated Terms & Conditions?

This generator produces a well-structured starting template, not a substitute for legal advice. For low-stakes blogs and simple content sites, many founders use such templates directly after careful review. For SaaS products handling payments or user data, marketplaces with buyer/seller obligations, or apps operating in regulated sectors (finance, health, education), you should have a lawyer review or customise the document before publishing it. The generated output includes a prominent notice reminding you of this.

How do I use the Terms & Conditions Generator?

Fill in your Company / Website Name, Website URL, and Contact Email. Select your Business Type from the dropdown, enter the country or state for Governing Law, and set an Effective Date. Click Generate, then use the Copy button to copy the full document to your clipboard. Paste it into your website, Google Doc, or CMS for final review.

Can I customise the generated Terms & Conditions?

Yes, the generated document is a plain-text template with clearly labelled placeholders and sections. After copying it, you can open it in any word processor or CMS editor and modify the language, add business-specific clauses, remove sections that don't apply, or hand it to a lawyer for professional redlining. The template is structured precisely so edits are straightforward.

What sections does a good Terms & Conditions document include?

A standard T&C covers: acceptance of terms, permitted and prohibited uses, intellectual property rights, content ownership, disclaimer of warranties, limitation of liability, account suspension or termination, dispute resolution and governing law, and contact information. Business-type-specific additions include account and subscription clauses for SaaS, returns and shipping for e-commerce, and buyer/seller obligations for marketplaces.

What is the difference between Terms & Conditions and a Disclaimer?

Terms & Conditions is a comprehensive agreement covering your entire relationship with users, use rules, IP, liability, dispute resolution, and more. A Disclaimer is a narrower statement that limits your liability in a specific context, such as the accuracy of financial information on a blog or health advice on a wellness site. Many sites publish both: T&C as the governing agreement and a targeted [Disclaimer Generator](/disclaimer-generator/) for specific content areas.

How often should I update my Terms & Conditions?

Review your T&C whenever your business model changes, new features, new payment methods, expansion to new countries, or regulatory changes in your sector. Indian companies should revisit their T&C in light of the Digital Personal Data Protection Act 2023 as its rules are notified. At minimum, review once per year. Always update the Effective Date and notify existing users of material changes, typically via email or an in-app banner.

What is a limitation of liability clause, and why does it matter?

A limitation of liability clause caps or excludes your responsibility for certain types of losses users may suffer, for example, lost profits, data loss, or indirect damages arising from your service being unavailable. Without this clause, a single outage or bug could expose you to open-ended claims. Courts in most jurisdictions will enforce reasonable liability caps, but the clause must be conspicuous and clearly worded to be upheld.

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