Fill in your store details and get a complete Terms & Conditions document with conditional clauses — updating live as you type. Nothing you enter ever leaves your browser.
This tool generates a general-purpose template for informational purposes only. It is not legal advice and does not guarantee legal enforceability or compliance in your jurisdiction. Consult a qualified lawyer before publishing your terms & conditions.
Select all that apply — toggles product-specific clauses.
General-purpose template only — not a guarantee of enforceability or compliance. Have a lawyer review before publishing.
Terms & Conditions (T&Cs) may feel like boilerplate, but they serve three concrete business functions: limiting your liability, setting dispute resolution terms, and protecting your intellectual property. Without them, any dispute between you and a customer defaults to consumer protection and contract law — which is frequently more generous to the customer than your own terms would be.
Most payment processors and ecommerce platforms (including Shopify, Stripe, and PayPal) require a published T&Cs as part of their merchant agreements. Failing to have one can put your account at risk in a chargeback dispute.
Terms & Conditions govern the contractual relationship between your store and your customers. They cover what you sell, acceptable use of your website, payment and pricing terms, intellectual property rights, and what happens when things go wrong.
A Privacy Policy is a separate document covering how you collect, store, use, and share personal data. It is legally required in most jurisdictions that regulate data privacy (GDPR, CCPA, India's DPDP Act, etc.). You need both — they serve entirely different legal purposes. See our Privacy Policy Generator for that document.
Without T&Cs, you lose the ability to:
Courts in the EU, UK, and Australia have also found that without clearly displayed T&Cs, customers may not have validly consented to key policies — making them unenforceable even after the fact.
No law universally mandates T&Cs, but operating without them creates significant practical risks: no agreed dispute terms, no liability cap, no IP protection. Most payment processors and platforms require them as part of their merchant agreements.
T&Cs govern the contractual relationship with customers (what you sell, acceptable use, liability). A Privacy Policy covers data collection and use. Both are typically required — see our Privacy Policy Generator for the privacy document.
Disputes fall back on default consumer protection and contract law — often more favourable to the customer. You lose the ability to cap liability, specify governing law, or enforce policies like no-refund on digital products.
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