BenriBot

Home/Tools/Terms & Conditions Generator
Back to Tools
Generators

Terms & Conditions Generator

Create professional terms and conditions for your online store. Required by payment gateways and builds legal protection.

terms
conditions
legal
policy
agreement

Try the Calculator

Terms & Conditions Generator - Free Template for Online Stores

Generate professional terms and conditions for your eCommerce store in minutes. Required by payment gateways like Stripe and PayPal. Protect your business legally.

Generate Professional Terms & Conditions for Your Online Store

Every successful eCommerce business needs clear, enforceable terms and conditions (also called Terms of Service). Whether you're running a Shopify store, WooCommerce site, or custom platform, terms and conditions establish the legal relationship between your business and your customers.

Our free Terms & Conditions Generator creates professional, comprehensive terms tailored to your online store. Choose from formal legal style, simple English, or friendly approachable tone—no legal degree required.

Why Your eCommerce Store Needs Terms & Conditions

Terms and conditions aren't just legal paperwork—they're essential business protection. Here's why they matter:

1. Payment Processor Requirements

Payment gateways require terms and conditions before approving your account:

  • Stripe: Requires clear terms of service in merchant agreement
  • PayPal: Mandates terms for sellers
  • Square: Requires customer-facing legal terms
  • Authorize.net: Needs terms for approval

    • Without proper terms, you can't process payments—meaning you can't sell.

    2. Advertising Platform Requirements

    Want to run ads? You need terms and conditions:

  • Google Ads: Requires clear terms for shopping and service ads
  • Facebook/Meta Ads: Policy requires terms for eCommerce advertisers
  • TikTok Ads: Needs terms for account approval
  • Pinterest Ads: Requires terms of service

    • No terms = no ads = less traffic = fewer sales.

    3. Legal Protection

    Terms and conditions protect your business by:

  • Limiting liability: Caps damages customers can claim
  • Setting expectations: Defines what customers can expect
  • Establishing jurisdiction: Where disputes are resolved
  • Preventing abuse: Rules against fraud, chargebacks
  • Protecting IP: Secures your content and branding

    • 4. Dispute Resolution

    Clear terms help prevent and resolve disputes by:

  • Defining your return and refund policy
  • Setting rules for product usage
  • Establishing support processes
  • Clarifying warranty limitations
  • Specifying arbitration vs court

    • 5. Professional Credibility

    Customers expect professional businesses to have:

  • Terms and Conditions
  • Privacy Policy
  • Return Policy
  • Shipping Policy

    • Missing terms signals amateur operation and reduces trust.

    What Should Be Included in Terms & Conditions?

    Our generator creates terms with all essential sections:

    1. Acceptance of Terms

  • How users agree to terms
  • Age requirements (usually 18+)
  • Capacity to enter legal agreements
  • Effect of continued use

    • 2. Use of Website

  • Permitted uses
  • Prohibited activities (spam, hacking, unauthorized access)
  • Account responsibilities
  • User conduct expectations

    • 3. Product Information

  • Accuracy of descriptions and pricing
  • Product availability disclaimers
  • Right to correct errors
  • Color/display variations

    • 4. Pricing and Payment

  • Currency displayed
  • Accepted payment methods
  • Price changes policy
  • Right to refuse orders
  • Authorization holds

    • 5. Orders and Fulfillment

  • Order confirmation process
  • Acceptance or rejection rights
  • Fulfillment timeframes
  • Order modifications/cancellations

    • 6. Returns and Refunds

  • Link to detailed return policy
  • Summary of return rules
  • Refund processing times
  • Exceptions and limitations

    • 7. Shipping and Delivery

  • Link to shipping policy
  • Delivery timeframes
  • Carrier disclaimers
  • Risk of loss transfer

    • 8. Intellectual Property

  • Copyright ownership
  • Trademark protection
  • User content rights
  • Prohibited copying/distribution

    • 9. Limitation of Liability

  • Caps on damages
  • Exclusion of consequential damages
  • Maximum liability amounts
  • Warranty disclaimers

    • 10. Indemnification

  • Customer responsibility for their actions
  • Protection from third-party claims
  • Defense and hold harmless provisions

    • 11. Third-Party Links

  • Disclaimer for external websites
  • No responsibility for third-party content
  • User assumes risk

    • 12. Privacy

  • Reference to privacy policy
  • Data collection overview
  • GDPR/CCPA compliance

    • 13. Modifications

  • Right to change terms
  • How changes are communicated
  • Effective date of updates
  • Continued use constitutes acceptance

    • 14. Governing Law

  • Which country/state law applies
  • Jurisdiction for disputes
  • Arbitration clauses (optional)
  • Class action waiver (optional)

    • 15. Severability

  • Invalid provisions don't void entire agreement
  • Remaining terms stay in effect

    • 16. Entire Agreement

  • These terms constitute full agreement
  • Supersedes prior agreements
  • No verbal modifications

    • 17. Contact Information

  • How to reach you with legal questions
  • Dispute notification address
  • Customer service contact

    • Common Terms & Conditions Mistakes

    Avoid these costly errors:

    1. Copy-Pasting from Competitors

    ❌ Using someone else's exact terms

    ✅ Customizing to your specific business

    Why it's risky: Their terms may not cover your business model, jurisdictions, or practices. You could inadvertently commit to policies you can't honor.

    2. No Customer Acceptance Mechanism

    ❌ Just posting terms on your website

    ✅ Requiring checkbox acceptance at checkout

    Legal impact: "Browsewrap" agreements (just posting terms) are weaker than "clickwrap" (requiring acceptance). Courts are more likely to enforce clickwrap agreements.

    3. Outdated Terms

    ❌ "Last updated: 2019"

    ✅ Review and update annually

    Risks: Laws change. Business practices evolve. Old terms may not protect you or may contradict current practices.

    4. Overly Restrictive Terms

    ❌ "All sales final, no exceptions"

    ✅ Balanced policies that comply with consumer protection laws

    Problem: Some jurisdictions (EU, Australia, etc.) mandate certain consumer rights. Overly restrictive terms may be unenforceable and hurt your reputation.

    5. Missing Governing Law

    ❌ No jurisdiction specified

    ✅ Clear statement of governing law

    Impact: Without this, customers could sue you in any jurisdiction, including expensive foreign courts.

    6. No Limitation of Liability

    ❌ Open-ended liability exposure

    ✅ Caps on damages

    Risk: Without limits, you're exposed to unlimited damages. Courts generally uphold reasonable limitations.

    7. Contradicting Other Policies

    ❌ Terms say "30-day returns" but return policy says "14 days"

    ✅ Consistent policies across all legal documents

    Result: Confusion, disputes, and weakened legal standing.

    How Different Tones Affect Your Terms

    Our generator offers three tone options:

    Formal (Legal Style)

    Best for: B2B, high-value products, risk-averse businesses

    Example:

    > "These Terms and Conditions constitute a legally binding agreement between you and [Company Name] governing your use of our website and services. Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms."

    Pros:

  • Maximum legal protection
  • Clear and unambiguous
  • Respected by courts

    • Cons:

  • Can intimidate customers
  • Harder to read
  • May reduce conversion slightly

    • Simple English

    Best for: Mass-market products, B2C, most eCommerce stores

    Example:

    > "By using our website and buying our products, you agree to follow these rules. If you don't agree, please don't use our site or make purchases."

    Pros:

  • Easy to understand
  • Customer-friendly
  • Better user experience

    • Cons:

  • May be seen as less authoritative
  • Could be interpreted loosely

    • Friendly & Approachable

    Best for: Lifestyle brands, small businesses, customer-centric brands

    Example:

    > "Welcome! We're glad you're here. These terms explain how everything works when you shop with us. They're here to protect both of us and make sure we're all on the same page. Let's dive in!"

    Pros:

  • Brand-aligned for casual businesses
  • Reduces intimidation
  • Improves readability

    • Cons:

  • May lack legal gravitas
  • Could be too informal for some industries

    • Our recommendation: Most eCommerce stores should use Simple English—it balances legal protection with customer-friendliness.

    Legal Requirements by Jurisdiction

    Different regions have different requirements:

    United States

  • Not federally required, but strongly recommended
  • State laws vary: Some states (California, New York) have specific requirements
  • FTC rules: Must be truthful and not misleading
  • Payment processors: Require terms for approval
  • Recommended: Include arbitration clause (avoids class actions)

    • European Union

  • Consumer Rights Directive: Certain terms must be included
  • Unfair Terms: Terms can't be "unfair" to consumers
  • Cooling-off period: 14-day right to cancel (distance selling)
  • Clear language: Must be easily understandable
  • Can't waive: Consumer protection rights can't be waived by terms

    • United Kingdom (Post-Brexit)

  • Similar to EU but governed by UK consumer law
  • Consumer Rights Act 2015: Protects consumer rights
  • Distance Selling: 14-day cancellation right
  • Unfair Terms: Can't shift legal burden unfairly to consumers

    • Canada

  • Consumer Protection Acts: Vary by province
  • Federal Competition Act: Governs misleading claims
  • PIPEDA: Privacy law requirements
  • Reasonable terms: Must be fair and balanced

    • Australia

  • Australian Consumer Law: Strong consumer protections
  • Unfair Contract Terms: Courts can void unfair provisions
  • Consumer Guarantees: Can't be excluded by terms
  • Clear disclosure: Terms must be transparent

    • Implementing Your Terms & Conditions

    Once generated, implement properly:

    1. Create a Dedicated Page

  • URL: `/terms-and-conditions` or `/terms`
  • Easy to find in footer
  • Clearly labeled
  • Accessible on all pages

    • 2. Require Acceptance at Checkout

    Most platforms support this:

    Shopify:

    Settings → Checkout → Order Processing → Enable "Require terms and conditions checkbox"

    WooCommerce:

    Use plugins like "WooCommerce Terms and Conditions" or add to checkout template:

    ```php

    woocommerce_checkout_terms_and_conditions();

    ```

    Custom Stores:

    Add checkbox:

    ```html

    Frequently Asked Questions

    Want to automate your eCommerce?

    BenriBot's AI chatbot handles customer conversations, recovers abandoned carts, and boosts sales 24/7.

    Try BenriBot FreeView All Tools

    Related Tools

    Return Policy Generator

    Generate a professional return policy for your shop in minutes. Customizable templates.

    Privacy Policy Generator

    Generate GDPR & CCPA compliant privacy policy for your eCommerce store. Build customer trust with transparent data practices.

    Refund Policy Generator

    Generate clear refund policy to reduce disputes and chargebacks. Set customer expectations and protect your business.