Free terms and conditions generator

Answer a few questions and get a ready-to-use privacy policy and terms of service — required by Google, Apple and the law. Copy or download, no sign-up.

Business / app name Website or app URL Contact email Country / region What applies to you?

Collect email / account details Use analytics (e.g. Google Analytics) Use cookies Take payments (e.g. Stripe) Share data with third parties Service is for under-16s

Templates for general guidance, not legal advice. Review before publishing.

What terms are actually for

Terms and conditions do two jobs: they set out what you have agreed to provide, and they limit what happens when something goes wrong. Most disputes are not about clever drafting — they are about the two sides having different memories of what was promised.

The clauses that earn their place

What you are supplying, described specifically enough to tell when it has been delivered.
Payment terms — when payment is due, what happens if it is late, whether deposits are refundable.
Cancellation — by them and by you, and what happens to work already done.
Limitation of liability — a cap, usually the fees paid. This is the clause that matters most when things go badly.
Intellectual property — who owns what you produce, and when ownership passes. Commonly on full payment, not on delivery.
Governing law — England and Wales, Scotland, or Northern Ireland. They are different jurisdictions.

What consumer law overrides

If you sell to consumers rather than businesses, large parts of your terms are subject to the Consumer Rights Act 2015 and cannot be drafted away.

You cannot exclude liability for death or personal injury caused by negligence, ever.
You cannot remove a consumer’s statutory rights — goods must be of satisfactory quality, fit for purpose and as described.
Selling online, consumers generally have 14 days to cancel from receiving the goods, with exceptions for bespoke items and digital content they have started to access.
Terms that are unfair to consumers are simply unenforceable, however clearly written.

A term that a court considers unfair does not just fail — its presence can undermine confidence in the rest of your terms. Aggressive drafting against consumers tends to be counterproductive.

Making them binding

Terms only apply if the customer had a genuine chance to read them before agreeing. A link in the footer is weak. An unticked checkbox beside “I agree to the terms” at checkout, with the terms linked, is the standard that holds up. Pre-ticked boxes do not count.

Common questions

Do I legally need terms and conditions?

Not always, but without them the default legal position applies, which is usually less favourable to you. If you take payment, they are strongly advisable.

Can terms limit my liability?

Partly. You can cap liability at a reasonable level, but you can never exclude liability for death or personal injury from negligence, and you cannot remove consumers' statutory rights.

What is the 14 day cancellation right?

Consumers buying online generally have 14 days from receiving goods to cancel without reason. Exceptions include bespoke items and digital content they have begun accessing.

How do I make terms binding?

Give the customer a real opportunity to read them before they commit — an unticked “I agree” checkbox linking to the terms at checkout is the reliable approach.