terms-generator

Terms of Service Generator

Overview

Scans a website or application to understand the business model, user interactions, data collection practices, and third-party integrations, then generates a comprehensive terms of service document with 16 sections. Includes GDPR and CCPA compliance provisions, plain English summaries after each section, and [VERIFY] tags for assumptions that require human confirmation.

The generated ToS adapts its language and provisions based on the detected business type (e-commerce, SaaS, marketplace, content platform, mobile app, etc.).

Legal Disclaimer: This skill generates template documents for informational and educational purposes only. Generated terms of service are not a substitute for legal advice. All documents should be reviewed by a licensed attorney before publication. Regulatory requirements vary by jurisdiction and business type. No attorney-client relationship is created by using this tool.

Prerequisites

• A live website URL or local codebase to analyze
• Knowledge of the business entity name and jurisdiction
• Understanding of whether the service involves payments, user accounts, or user-generated content

Instructions

1. Analyze the website or application. Use WebFetch to scan the target URL. Identify:

   • Business type (SaaS, e-commerce, marketplace, content, API, mobile app)
   • User interaction patterns (accounts, purchases, subscriptions, content uploads)
   • Data collection mechanisms (forms, cookies, analytics scripts, payment processors)
   • Third-party integrations (Stripe, Google Analytics, social login, CDNs)
   • Geographic indicators (language, currency, server location)

2. If a codebase is available instead, use Glob and Read to scan for:

   • Cookie/tracking implementations
   • Authentication flows
   • Payment integrations
   • User data models
   • API endpoints that accept user input

3. Gather business details from the user:

   • Legal entity name and type (LLC, Corp, sole proprietor)
   • Business address and jurisdiction
   • Contact email for legal notices
   • Minimum user age requirement
   • Whether the service is free, paid, or freemium

4. Determine applicable compliance frameworks:

   • GDPR — if serving EU/EEA users (detected via language, .eu domain, Euro pricing)
   • CCPA/CPRA — if serving California users or meeting revenue/data thresholds
   • COPPA — if the service could attract users under 13
   • ADA/WCAG — if a US-based public-facing service
   • PCI-DSS — if processing payment card data
   • CAN-SPAM — if sending marketing emails

5. Generate the 16-section Terms of Service:

   #	Section	Covers
   1	Agreement to Terms	Acceptance mechanism, effective date
   2	Description of Service	What the service provides
   3	User Accounts	Registration, security, age requirements
   4	Acceptable Use Policy	Prohibited conduct, content standards
   5	User-Generated Content	Ownership, licenses, moderation rights
   6	Intellectual Property	Company IP rights, trademarks, DMCA
   7	Payment Terms	Pricing, billing cycles, refunds (if applicable)
   8	Free Trials & Subscriptions	Trial terms, auto-renewal, cancellation
   9	Privacy & Data Collection	Reference to privacy policy, GDPR/CCPA summary
   10	Third-Party Services	Links, integrations, disclaimers
   11	Disclaimers & Warranties	"As-is" provision, warranty limitations
   12	Limitation of Liability	Liability caps, excluded damages
   13	Indemnification	User indemnification obligations
   14	Termination	Grounds, notice, effect of termination
   15	Governing Law & Disputes	Jurisdiction, arbitration, class action waiver
   16	General Provisions	Modifications, severability, entire agreement, contact

6. Add plain English summaries. After each section, include a blockquote: > **In Plain English:** {simple summary of what this means for users}

7. Insert compliance-specific provisions:

   • GDPR: Data processing legal basis, right to erasure, DPO contact, data portability
   • CCPA: "Do Not Sell My Personal Information" rights, opt-out mechanism
   • COPPA: Age verification, parental consent mechanism

8. Tag all assumptions. Place [VERIFY] before any clause based on inferred information:

   • [VERIFY: assumed SaaS model based on subscription pricing detected]
   • [VERIFY: jurisdiction set to Delaware — confirm with business owner]
   • [VERIFY: assumed no users under 13 — confirm age policy]

9. Write the output file using the naming convention below.

Output

Generate a single Markdown file named TERMS-OF-SERVICE-{company}-{YYYY-MM-DD}.md with:

# Terms of Service
**{Company Name}**

**Last Updated:** {date}
**Effective Date:** {date}

---

## Table of Contents
1. [Agreement to Terms](#1-agreement-to-terms)
{... all 16 sections ...}

---

## 1. Agreement to Terms
{formal legal text}

> **In Plain English:** {simple explanation}

## 2. Description of Service
{formal legal text}

> **In Plain English:** {simple explanation}

{... sections 3-16 ...}

---

## Contact Information
{business contact details}

---
**[VERIFY] Tags Summary:**
{numbered list of all assumptions needing confirmation}

**Compliance Frameworks Applied:** {GDPR, CCPA, etc.}
**Generated by:** Legal Assistant Plugin — Not a substitute for legal counsel.

Error Handling

Error	Cause	Solution
Website unreachable	URL is down or behind auth	Ask user for a description of the service or local codebase path
Cannot determine business type	Minimal website content	Ask user directly about their business model
Payment detection ambiguous	Cannot tell if free or paid	Ask user to confirm pricing model
International complexity	Multiple jurisdictions detected	Generate provisions for all detected jurisdictions, add [VERIFY]
Dynamic content not scannable	SPA with client-side rendering	Ask user to describe features or provide sitemap
Missing company details	User did not provide entity info	Use [VERIFY] placeholders, list in summary

Examples

Example 1: SaaS Application

Request: "Create terms of service for https://example-saas.com — we're a project management tool"

Result: TERMS-OF-SERVICE-ExampleSaaS-2026-04-02.md with:

• 16 sections with SaaS-specific provisions
• Payment terms for subscription model (detected via Stripe integration)
• GDPR provisions (EU users detected via multi-language support)
• CCPA provisions (US-based company)
• User-generated content section for project data
• 8 [VERIFY] tags for assumptions

Example 2: E-Commerce Store

Request: "Generate ToS for my Shopify store selling handmade jewelry"

Result: TERMS-OF-SERVICE-HandmadeJewels-2026-04-02.md with:

• E-commerce focused provisions (returns, shipping, product descriptions)
• Payment terms referencing Shopify Payments / PayPal
• No user-generated content section (simplified)
• Consumer protection provisions per FTC guidelines
• CCPA opt-out mechanism

Resources

• FTC Business Guidance on Terms — Federal Trade Commission compliance
• California Attorney General CCPA — CCPA regulations and guidance
• ICO Guide to Data Protection — UK/GDPR compliance guidance
• CommonPaper Standard Terms — CC BY 4.0 open-source terms
• Termly ToS Generator — Reference for section structures
• SBA Small Business Legal Resources — US government business guidance