Terms of Service Template

A drop-in T&C for Pancake merchants — covers Subscription, Credits, and Hybrid billing

A complete, card-network-compliant Terms of Service for Pancake merchants. Pick your billing model, replace the bracketed placeholders, publish.

This is a template, not legal advice. Have a lawyer review before publishing if your jurisdiction or business model is unusual.

Pick your billing model

Each model maps to its own billing-specific block (sections 4–7) further down. Pick the card that matches how you charge — it jumps straight to the matching block.

V1 — Subscription

Monthly or yearly recurring. Auto-renews until canceled.

V2 — Credits

Buy credit packs and spend them. Optional auto top-up.

V3 — Hybrid

A plan with credits and extra packs sold separately.

Before you publish

🔴 items are what wins or loses disputes. 🟡 items materially strengthen your defense.

1. 🔴 Must be done

   • Legal name filled in (company: legal entity + registered address; individual / sole trader: legal name only — no business address needed)
   • Recurring / auto-top-up authorization in place (if you charge automatically)
   • In-product cancel flow exists (not email-only)
   • Refund policy filled in and shown at checkout
   • Third-party AI providers declared (if you use them)
   • Prohibited-uses list matches your actual product
   • Payment processor named: Waffo Pancake
   • Every contact channel listed is real and monitored
2. 🟡 Strongly recommended

   • Billing descriptor set so customers recognize the name on their card statement — the #1 chargeback cause is “I don’t recognize this charge”
   • Annual subscribers get a renewal reminder ~7 days out
   • Free-trial users get a “trial converting” reminder ~7 days out
   • V2/V3 — credits-about-to-expire reminder
3. Final pass

   • Every [placeholder] is replaced with real text
   • Version number and effective date filled in
   • V3 — picked one option from each of the three refund choices
   • Deleted the sections that don’t apply (V1 users remove V2/V3 blocks, etc.)

On the refund policy display: in Pancake, save the refund policy in your store settings — the checkout picks it up automatically. You don’t need to keep two copies in sync.

Template

Copy the common sections below, then pick the billing-specific block that matches your model and slot it in between Section 3 and Section 8. Replace every [placeholder] with your real text.

The template is in English. Translate or localize as your market requires.

Common — sections 1–3 and 8–16

Sections 1–3 & 8–16 (use in every version)

[LEGAL NAME]
Terms of Service — AI-Powered Services

1. Introduction & Acceptance of Terms

Welcome to [Legal Name] ("[Legal Name]" / "we" / "us" / "our"). [Pick the line that fits you and delete the other:]
[If a company:] a company incorporated under the laws of [Country/Region] with its registered address at [Legal Registered Address].
[If an individual / sole trader:] an individual / sole trader operating under the laws of [Country/Region].
These Terms of Service ("Terms") govern your access to and use of our AI-powered services, including [Brief service description], available at [Website URL] (the "Service").

By creating an account, subscribing to any plan, purchasing credits, or otherwise using the Service, you confirm that you: (a) are at least 18 years of age; (b) have read, understood, and agree to be bound by these Terms; (c) agree to our Privacy Policy; and (d) are authorized to enter into this agreement on behalf of yourself or any organization you represent.

⚠️ Important: If you do not agree to these Terms, you may not use the Service. Continued use after any update constitutes acceptance of the revised Terms.

2. Service Description

2.1 What We Provide
[Legal Name] provides an AI-powered platform that enables users to [describe core functionality]. The Service is a digital software-as-a-service (SaaS) product delivered via the internet.

2.2 Nature of the Service
The Service is a digital, intangible product. Upon confirmed payment, access is granted immediately. Due to the immediate digital delivery, specific limitations apply to refunds as described in Section 7.

2.3 AI Model Dependency (optional)
[Optional: Our Service utilizes third-party AI model providers including [e.g., OpenAI, Anthropic, Google]. Service performance and availability may be affected by the operational status of these providers. We will endeavor to communicate significant disruptions in a timely manner.]

3. Account Registration & Eligibility

3.1 Account Creation
To use the Service, you must create an account with accurate and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account.

3.2 Account Security
- Notify us immediately of any unauthorized use at [[e-mail]].
- Do not share your credentials with any third party.
- Keep your billing email address up to date.

3.3 Business Accounts
If you register on behalf of a company or organization, you represent that you have authority to bind that entity to these Terms.

[INSERT SECTIONS 4–7 FROM THE V1 / V2 / V3 BLOCK MATCHING YOUR BILLING MODEL]

8. Billing Disputes

If you believe there is an error in a charge, please contact us at [[e-mail]] before disputing with your bank. We commit to responding within 2 business days and resolving confirmed billing errors within 5 business days.

9. AI Output & Intellectual Property

9.1 Ownership of Outputs
Subject to these Terms, AI-generated content produced in response to your inputs ("Outputs") is owned by you. You may use Outputs for any lawful purpose consistent with Section 10.

9.2 Input License
By submitting content to the Service ("Inputs"), you grant [Legal Name] a limited, non-exclusive license to process your Inputs solely to deliver the Service. We do not use your Inputs to train AI models without your explicit consent.

9.3 Third-party AI Model Dependency (if applicable)
[Include if applicable] Our Service uses third-party AI model providers including [e.g., OpenAI, Anthropic, Google]. Outputs may be influenced by these providers' models. We do not guarantee specific output quality and accept no liability for outputs generated by third-party models.

9.4 Accuracy of AI Outputs
AI-generated content may contain errors or inaccuracies. You are solely responsible for reviewing and verifying Outputs before relying on them.

10. Acceptable Use Policy

10.1 Permitted Uses
You may use the Service only for lawful purposes in accordance with these Terms.

10.2 Prohibited Uses
You agree NOT to use the Service to:
- Generate content that is illegal, defamatory, harassing, or fraudulent.
- Generate, distribute, or facilitate deepfake content — including AI-synthesized audio, video, or images — that impersonates real individuals or is intended to deceive viewers about its origin or authenticity.
- Generate content that sexualizes minors or violates child protection laws.
- Produce malware, phishing content, or cyberattack tools.
- Infringe the intellectual property or privacy rights of any third party.
- Circumvent or interfere with security features of the Service.
- Resell or sub-license access to the Service without prior written approval.
- Violate any applicable law, regulation, or card network rule.

10.3 AI-Specific Prohibitions
In addition to the general prohibitions above, given the AI-powered nature of the Service, you specifically agree NOT to:
- Use Service inputs, outputs, model responses, or any derivative thereof to train, fine-tune, benchmark, distil, or otherwise develop any artificial intelligence or machine learning model that competes, directly or indirectly, with the Service or [Legal Name]'s products.
- Systematically scrape, extract, or harvest model outputs at scale for purposes other than your own authorised use of the Service.
- Represent AI-generated outputs as the work of a human professional (e.g., a licensed doctor, lawyer, or financial adviser) in contexts where such misrepresentation could cause harm.

11. Data, Privacy & Security

Your use of the Service is governed by our Privacy Policy at [privacy policy URL]. Payment card data is processed exclusively by our PCI-DSS certified payment processor (Waffo Pancake) and is not stored on our servers. Account data is retained for [90] days following cancellation, then deleted.

12. Disclaimers & Limitation of Liability

12.1 Disclaimer of Warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR ACCURACY OF AI OUTPUTS.

12.2 AI-Generated Content Disclaimer
⚠️ AI GENERATED CONTENT DISCLAIMER
Outputs may be inaccurate, incomplete, or outdated. Do not rely on them for legal, medical, financial, or other professional advice. Always verify AI-generated content with a qualified professional before acting on it.

12.3 Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, [LEGAL NAME] SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID IN THE [12] MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

13. Term & Termination

These Terms remain effective while you use the Service. We may suspend or terminate your account if you materially breach these Terms, we suspect fraudulent activity, or as required by law. If we terminate for reasons other than your breach, we will provide a pro-rated refund for any unused prepaid period. You may delete your account at any time by contacting [[e-mail]].

14. Governing Law & Dispute Resolution

These Terms are governed by the laws of [Country / State / Region]. Before initiating any formal proceedings, please contact us at [[e-mail]] to attempt informal resolution. [Optional: Any unresolved dispute shall be submitted to binding arbitration in [City] under the rules of [Arbitration Body].]

15. General Provisions

We may update these Terms at any time. Material changes will be notified by email at least [14] days before the effective date. Continued use constitutes acceptance. If any provision is found unenforceable, the remainder continues in full effect.

16. Contact Information

For any questions about these Terms or billing, please contact us:
- General Support: [[e-mail]]
- Billing: [[e-mail]]
- Refunds: [[e-mail]]
- Cancel Subscription: [[e-mail]] or Account Settings
- Legal & Privacy: [[e-mail]]
- Security: [[e-mail]]
- Phone: [+X-XXX-XXX-XXXX]
- Mailing Address: [Legal Name], [Street Address], [City, Country]

By using the Service or checking "I agree" at checkout, you acknowledge and agree to these Terms.

Last Updated: [DATE] · [Legal Name] · [Website URL]

Billing-specific — sections 4–7

Pick the one block that matches your billing model and slot it between Section 3 and Section 8. Delete the other two.

V1 — Subscription

V1 — Subscription (sections 4–7)

4. Subscription Plans (V1)

We offer subscription plans for access to the Service. [Describe subscription plans briefly, e.g.: We offer monthly and annual subscription plans.] For current plan details and pricing, please visit [pricing URL].

We reserve the right to modify plan features or introduce new plans at any time. Price changes are governed by Section 5.1.

5. Billing & Payment (V1)

5.1 Recurring Billing Authorization
By providing your payment method and subscribing to a paid plan, you expressly authorize [Legal Name] to charge your payment method on a recurring basis for the applicable subscription fee. This recurring authorization remains in effect until you cancel in accordance with Section 6.

Your subscription renews automatically at the end of each billing period unless cancelled. We will send you advance notice before the renewal of any annual subscription.

5.2 Taxes
Prices are exclusive of applicable taxes (including VAT, GST, sales tax, or similar) unless otherwise stated. Where required by applicable law, we will collect and remit such taxes.

6. Cancellation Policy (V1)

6.1 How to Cancel
You may cancel your subscription at any time through:
- Online (recommended): Account Settings → Subscription → Cancel Subscription
- Email: Send a cancellation request from your registered email to [[e-mail]]

Cancellation takes effect immediately. A confirmation email will be sent within [10] minutes.

6.2 Effect of Cancellation
- Your subscription remains active until the end of the current billing period.
- You will not be charged for subsequent billing periods.
- Account data is retained for [90] days after cancellation, then deleted per our Privacy Policy.

7. Refund Policy (V1)

7.1 General Policy
Due to the immediate and intangible nature of our digital services, subscription fees are generally non-refundable, except as expressly stated below.

7.2 Eligible Refunds
- New subscriber 7-day guarantee: A full refund is available to first-time subscribers within 7 days of the initial charge, provided usage has not exceeded [X]% of the plan quota.
- Duplicate charge: A full refund for any billing error resulting in a duplicate charge.
- Verified service outage (≥72 hrs): A pro-rated credit or refund for extended outages within our control.
- Statutory rights: If applicable law grants withdrawal or refund rights (e.g., 14-day withdrawal right in EU/UK), those rights are preserved.

7.3 How to Request a Refund
To request a refund, contact us at [[e-mail]] with your account email, transaction ID, and reason. We will acknowledge within 2 business days and process eligible refunds within 5–10 business days.

7.4 Non-Refundable Items
- Fees for subscription periods already used (except as noted in 7.2).
- Annual subscription fees requested after [30] days from initial purchase.
- Accounts terminated for violation of these Terms or the Acceptable Use Policy.

V2 — Credits / Top-up

V2 — Credits / Top-up (sections 4–7)

4. Credits & Top-up Plans (V2)

The Service operates on a credit-based system. [Describe credit plans briefly, e.g.: Users may purchase credit packages at any time.] Credits are used to access Service features. For available credit packages and current pricing, please visit [pricing URL].

5. Billing & Payment (V2)

5.1 Single Purchase Authorization
Each credit purchase is a one-time transaction. By completing a purchase, you authorize [Legal Name] to charge your payment method for the amount displayed at checkout.

5.2 Auto Top-up Authorization (if enabled)
[Optional — include ONLY if your product offers automatic top-up]
If you choose to enable the Auto Top-up feature, you authorize [Legal Name] to automatically charge your saved payment method when your credit balance falls below the threshold you have set, at the amount you have configured in your Account Settings. You may disable Auto Top-up at any time.

5.3 Taxes
Prices are exclusive of applicable taxes unless otherwise stated. Where required by law, applicable taxes will be collected at checkout.

6. Credits Validity & Account Termination (V2)

6.1 Credits Validity
Purchased credits are valid for [X] months/years from the date of purchase, unless otherwise stated at the time of purchase. We will send you a reminder notification before your credits expire.

6.2 Termination of Account
If your account is terminated (by you or by us), unused credits will be retained for [X] days following termination. After this period, unused credits expire without refund unless otherwise required by applicable law.

7. Refund Policy (V2)

All credit purchases are generally non-refundable after credits have been consumed. The following exceptions apply:
- Unused credits within 7 days of purchase: A full refund may be requested within 7 days of purchase if credits have not been used.
- Duplicate charge: Full refund for any billing error.
- Statutory rights (EU/UK/AU): 14-day withdrawal right for first-time purchasers is preserved, waived upon first use.

To request a refund, contact [[e-mail]] with your account email and transaction ID.

V3 — Hybrid

V3 — Hybrid (sections 4–7)

4. Plans & Credits (V3)

We offer both subscription plans and credit packages. [Describe subscription plans briefly.] [Describe credit packages briefly.] For current plan details and pricing, please visit [pricing URL].

5. Billing & Payment (V3)

5.1 Subscription Recurring Billing Authorization
By subscribing to a paid plan, you expressly authorize [Legal Name] to charge your payment method on a recurring basis for the applicable subscription fee until you cancel per Section 6.

5.2 Credit Purchase Authorization
Each credit purchase is a one-time transaction authorized at checkout.

5.3 Auto Top-up Authorization (if enabled)
[Optional — include ONLY if your product offers auto top-up]
If you enable Auto Top-up, you authorize [Legal Name] to automatically charge your payment method when your credit balance falls below your configured threshold, at the amount configured in your Account Settings. You may disable this at any time.

5.4 Taxes
Prices are exclusive of applicable taxes unless otherwise stated.

6. Cancellation Policy (V3)

You may cancel your subscription at any time via Account Settings → Subscription → Cancel, or by emailing [[e-mail]]. Cancellation takes effect at the end of the current billing period. Credits purchased separately are not cancelled and remain subject to their validity period.

7. Refund Policy (V3)

7.1 Subscription Refunds
- 7-day guarantee for first-time subscribers: Full refund if usage has not exceeded [X]% of plan quota.
- Duplicate charge or service failure (≥72 hrs): Eligible for refund or credit.

7.2 Credits Refunds
- Unused credits within 7 days of purchase: Eligible for full refund.
- Used credits are non-refundable.

7.3 Subscription Plan Credits — Rollover Policy (pick one, delete the other)
[Option A1 — No rollover] Credits included in a subscription plan expire at the end of each billing period and do not carry over to the next period.
[Option A2 — Rollover] Credits included in a subscription plan accumulate across billing periods and do not expire as long as your subscription remains active (subject to a maximum balance limit specified in your plan).

7.4 Credits After Subscription Cancellation (pick one, delete the others)
[Option B1] Separately purchased credits retain their original validity period regardless of subscription status.
[Option B2] After subscription cancellation, separately purchased credits remain usable for [X] days.
[Option B3] After subscription cancellation, separately purchased credits become immediately unavailable; a refund will be issued for any unused balance in accordance with Section 7.2.

7.5 Credit Consumption Order (pick one, delete the other)
[Option C1] When both subscription plan credits and separately purchased credits are available, subscription plan credits are consumed first.
[Option C2] When both subscription plan credits and separately purchased credits are available, separately purchased credits are consumed first.

Section-by-section reference

Each section shows its tier (🔴 load-bearing · 🟡 strongly recommended · ⚪ optional), a one-line summary, and the matching template snippet. Sections 4–7 vary by billing model — pick the one block (V1, V2, or V3) that matches how you charge.

1. Introduction & Acceptance

🔴 load-bearing

Names the seller — a company gives its legal entity + registered address; a sole trader / individual gives their legal name only, no business address needed. A brand name alone won’t do. Fill [Legal Name], [Country/Region], [Brief service description], [Website URL]; companies also fill [Legal Registered Address].

Section 1 (common)

[LEGAL NAME]
Terms of Service — AI-Powered Services

1. Introduction & Acceptance of Terms

Welcome to [Legal Name] ("[Legal Name]" / "we" / "us" / "our"). [Pick the line that fits you and delete the other:]
[If a company:] a company incorporated under the laws of [Country/Region] with its registered address at [Legal Registered Address].
[If an individual / sole trader:] an individual / sole trader operating under the laws of [Country/Region].
These Terms of Service ("Terms") govern your access to and use of our AI-powered services, including [Brief service description], available at [Website URL] (the "Service").

By creating an account, subscribing to any plan, purchasing credits, or otherwise using the Service, you confirm that you: (a) are at least 18 years of age; (b) have read, understood, and agree to be bound by these Terms; (c) agree to our Privacy Policy; and (d) are authorized to enter into this agreement on behalf of yourself or any organization you represent.

⚠️ Important: If you do not agree to these Terms, you may not use the Service. Continued use after any update constitutes acceptance of the revised Terms.

2. Service Description

🔴 load-bearing

“Digital SaaS, delivered immediately on payment” — the line that pushes back when customers claim non-delivery. Fill [Legal Name], [describe core functionality]. Keep 2.3 only if you depend on third-party AI providers.

Section 2 (common)

2. Service Description

2.1 What We Provide
[Legal Name] provides an AI-powered platform that enables users to [describe core functionality]. The Service is a digital software-as-a-service (SaaS) product delivered via the internet.

2.2 Nature of the Service
The Service is a digital, intangible product. Upon confirmed payment, access is granted immediately. Due to the immediate digital delivery, specific limitations apply to refunds as described in Section 7.

2.3 AI Model Dependency (optional)
[Optional: Our Service utilizes third-party AI model providers including [e.g., OpenAI, Anthropic, Google]. Service performance and availability may be affected by the operational status of these providers. We will endeavor to communicate significant disruptions in a timely manner.]

3. Account Registration & Eligibility

🔴 load-bearing

Establishes that the account holder is responsible — blocks “someone else used my login.” Fill [[e-mail]].

Section 3 (common)

3. Account Registration & Eligibility

3.1 Account Creation
To use the Service, you must create an account with accurate and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account.

3.2 Account Security
- Notify us immediately of any unauthorized use at [[e-mail]].
- Do not share your credentials with any third party.
- Keep your billing email address up to date.

3.3 Business Accounts
If you register on behalf of a company or organization, you represent that you have authority to bind that entity to these Terms.

4–7. Billing block — V1 Subscription

🔴 load-bearing

Plans, recurring authorization, in-product cancel, and refund policy for recurring subscriptions. Section 5.1 is the clause card networks care about most — the customer must explicitly authorize recurring charges. Don’t go with “no refunds”; at minimum give first-time buyers 7 days. Prices stay on your pricing page, not here.

V1 — Subscription (sections 4–7)

4. Subscription Plans (V1)

We offer subscription plans for access to the Service. [Describe subscription plans briefly, e.g.: We offer monthly and annual subscription plans.] For current plan details and pricing, please visit [pricing URL].

We reserve the right to modify plan features or introduce new plans at any time. Price changes are governed by Section 5.1.

5. Billing & Payment (V1)

5.1 Recurring Billing Authorization
By providing your payment method and subscribing to a paid plan, you expressly authorize [Legal Name] to charge your payment method on a recurring basis for the applicable subscription fee. This recurring authorization remains in effect until you cancel in accordance with Section 6.

Your subscription renews automatically at the end of each billing period unless cancelled. We will send you advance notice before the renewal of any annual subscription.

5.2 Taxes
Prices are exclusive of applicable taxes (including VAT, GST, sales tax, or similar) unless otherwise stated. Where required by applicable law, we will collect and remit such taxes.

6. Cancellation Policy (V1)

6.1 How to Cancel
You may cancel your subscription at any time through:
- Online (recommended): Account Settings → Subscription → Cancel Subscription
- Email: Send a cancellation request from your registered email to [[e-mail]]

Cancellation takes effect immediately. A confirmation email will be sent within [10] minutes.

6.2 Effect of Cancellation
- Your subscription remains active until the end of the current billing period.
- You will not be charged for subsequent billing periods.
- Account data is retained for [90] days after cancellation, then deleted per our Privacy Policy.

7. Refund Policy (V1)

7.1 General Policy
Due to the immediate and intangible nature of our digital services, subscription fees are generally non-refundable, except as expressly stated below.

7.2 Eligible Refunds
- New subscriber 7-day guarantee: A full refund is available to first-time subscribers within 7 days of the initial charge, provided usage has not exceeded [X]% of the plan quota.
- Duplicate charge: A full refund for any billing error resulting in a duplicate charge.
- Verified service outage (≥72 hrs): A pro-rated credit or refund for extended outages within our control.
- Statutory rights: If applicable law grants withdrawal or refund rights (e.g., 14-day withdrawal right in EU/UK), those rights are preserved.

7.3 How to Request a Refund
To request a refund, contact us at [[e-mail]] with your account email, transaction ID, and reason. We will acknowledge within 2 business days and process eligible refunds within 5–10 business days.

7.4 Non-Refundable Items
- Fees for subscription periods already used (except as noted in 7.2).
- Annual subscription fees requested after [30] days from initial purchase.
- Accounts terminated for violation of these Terms or the Acceptable Use Policy.

4–7. Billing block — V2 Credits / Top-up

🔴 load-bearing

Credit packs, one-time purchase authorization, validity, and refunds. Include 5.2 only if you offer auto top-up. State explicitly that consumed credits are non-refundable; allow a 7-day refund on untouched credits.

V2 — Credits / Top-up (sections 4–7)

4. Credits & Top-up Plans (V2)

The Service operates on a credit-based system. [Describe credit plans briefly, e.g.: Users may purchase credit packages at any time.] Credits are used to access Service features. For available credit packages and current pricing, please visit [pricing URL].

5. Billing & Payment (V2)

5.1 Single Purchase Authorization
Each credit purchase is a one-time transaction. By completing a purchase, you authorize [Legal Name] to charge your payment method for the amount displayed at checkout.

5.2 Auto Top-up Authorization (if enabled)
[Optional — include ONLY if your product offers automatic top-up]
If you choose to enable the Auto Top-up feature, you authorize [Legal Name] to automatically charge your saved payment method when your credit balance falls below the threshold you have set, at the amount you have configured in your Account Settings. You may disable Auto Top-up at any time.

5.3 Taxes
Prices are exclusive of applicable taxes unless otherwise stated. Where required by law, applicable taxes will be collected at checkout.

6. Credits Validity & Account Termination (V2)

6.1 Credits Validity
Purchased credits are valid for [X] months/years from the date of purchase, unless otherwise stated at the time of purchase. We will send you a reminder notification before your credits expire.

6.2 Termination of Account
If your account is terminated (by you or by us), unused credits will be retained for [X] days following termination. After this period, unused credits expire without refund unless otherwise required by applicable law.

7. Refund Policy (V2)

All credit purchases are generally non-refundable after credits have been consumed. The following exceptions apply:
- Unused credits within 7 days of purchase: A full refund may be requested within 7 days of purchase if credits have not been used.
- Duplicate charge: Full refund for any billing error.
- Statutory rights (EU/UK/AU): 14-day withdrawal right for first-time purchasers is preserved, waived upon first use.

To request a refund, contact [[e-mail]] with your account email and transaction ID.

4–7. Billing block — V3 Hybrid

🔴 load-bearing

Subscription plus separately-sold credits. Combines recurring and one-time authorization. Refund section 7.3/7.4/7.5 has three picks (rollover, post-cancellation validity, consumption order) — choose one option each and delete the rest. Explain your choice on your help center too.

V3 — Hybrid (sections 4–7)

4. Plans & Credits (V3)

We offer both subscription plans and credit packages. [Describe subscription plans briefly.] [Describe credit packages briefly.] For current plan details and pricing, please visit [pricing URL].

5. Billing & Payment (V3)

5.1 Subscription Recurring Billing Authorization
By subscribing to a paid plan, you expressly authorize [Legal Name] to charge your payment method on a recurring basis for the applicable subscription fee until you cancel per Section 6.

5.2 Credit Purchase Authorization
Each credit purchase is a one-time transaction authorized at checkout.

5.3 Auto Top-up Authorization (if enabled)
[Optional — include ONLY if your product offers auto top-up]
If you enable Auto Top-up, you authorize [Legal Name] to automatically charge your payment method when your credit balance falls below your configured threshold, at the amount configured in your Account Settings. You may disable this at any time.

5.4 Taxes
Prices are exclusive of applicable taxes unless otherwise stated.

6. Cancellation Policy (V3)

You may cancel your subscription at any time via Account Settings → Subscription → Cancel, or by emailing [[e-mail]]. Cancellation takes effect at the end of the current billing period. Credits purchased separately are not cancelled and remain subject to their validity period.

7. Refund Policy (V3)

7.1 Subscription Refunds
- 7-day guarantee for first-time subscribers: Full refund if usage has not exceeded [X]% of plan quota.
- Duplicate charge or service failure (≥72 hrs): Eligible for refund or credit.

7.2 Credits Refunds
- Unused credits within 7 days of purchase: Eligible for full refund.
- Used credits are non-refundable.

7.3 Subscription Plan Credits — Rollover Policy (pick one, delete the other)
[Option A1 — No rollover] Credits included in a subscription plan expire at the end of each billing period and do not carry over to the next period.
[Option A2 — Rollover] Credits included in a subscription plan accumulate across billing periods and do not expire as long as your subscription remains active (subject to a maximum balance limit specified in your plan).

7.4 Credits After Subscription Cancellation (pick one, delete the others)
[Option B1] Separately purchased credits retain their original validity period regardless of subscription status.
[Option B2] After subscription cancellation, separately purchased credits remain usable for [X] days.
[Option B3] After subscription cancellation, separately purchased credits become immediately unavailable; a refund will be issued for any unused balance in accordance with Section 7.2.

7.5 Credit Consumption Order (pick one, delete the other)
[Option C1] When both subscription plan credits and separately purchased credits are available, subscription plan credits are consumed first.
[Option C2] When both subscription plan credits and separately purchased credits are available, separately purchased credits are consumed first.

8. Billing Disputes

🔴 load-bearing

Where customers reach you before going to their bank. Fill [[e-mail]].

Section 8 (common)

8. Billing Disputes

If you believe there is an error in a charge, please contact us at [[e-mail]] before disputing with your bank. We commit to responding within 2 business days and resolving confirmed billing errors within 5 business days.

9. AI Output & Intellectual Property (if you ship AI)

🔴 load-bearing

Customer owns outputs; you have a limited license to process inputs; you don’t train on inputs without consent. Fill [Legal Name] in 9.2; add 9.3 if you use OpenAI / Anthropic / Google or similar.

Section 9 (common)

9. AI Output & Intellectual Property

9.1 Ownership of Outputs
Subject to these Terms, AI-generated content produced in response to your inputs ("Outputs") is owned by you. You may use Outputs for any lawful purpose consistent with Section 10.

9.2 Input License
By submitting content to the Service ("Inputs"), you grant [Legal Name] a limited, non-exclusive license to process your Inputs solely to deliver the Service. We do not use your Inputs to train AI models without your explicit consent.

9.3 Third-party AI Model Dependency (if applicable)
[Include if applicable] Our Service uses third-party AI model providers including [e.g., OpenAI, Anthropic, Google]. Outputs may be influenced by these providers' models. We do not guarantee specific output quality and accept no liability for outputs generated by third-party models.

9.4 Accuracy of AI Outputs
AI-generated content may contain errors or inaccuracies. You are solely responsible for reviewing and verifying Outputs before relying on them.

10. Acceptable Use Policy

🔴 load-bearing

What customers can’t do, including AI-specific prohibitions (no competing models, no deepfakes, no impersonating professionals). No placeholders — read the list and make sure it covers your product. For a fuller content policy, pair this with the AUP template.

Section 10 (common)

10. Acceptable Use Policy

10.1 Permitted Uses
You may use the Service only for lawful purposes in accordance with these Terms.

10.2 Prohibited Uses
You agree NOT to use the Service to:
- Generate content that is illegal, defamatory, harassing, or fraudulent.
- Generate, distribute, or facilitate deepfake content — including AI-synthesized audio, video, or images — that impersonates real individuals or is intended to deceive viewers about its origin or authenticity.
- Generate content that sexualizes minors or violates child protection laws.
- Produce malware, phishing content, or cyberattack tools.
- Infringe the intellectual property or privacy rights of any third party.
- Circumvent or interfere with security features of the Service.
- Resell or sub-license access to the Service without prior written approval.
- Violate any applicable law, regulation, or card network rule.

10.3 AI-Specific Prohibitions
In addition to the general prohibitions above, given the AI-powered nature of the Service, you specifically agree NOT to:
- Use Service inputs, outputs, model responses, or any derivative thereof to train, fine-tune, benchmark, distil, or otherwise develop any artificial intelligence or machine learning model that competes, directly or indirectly, with the Service or [Legal Name]'s products.
- Systematically scrape, extract, or harvest model outputs at scale for purposes other than your own authorised use of the Service.
- Represent AI-generated outputs as the work of a human professional (e.g., a licensed doctor, lawyer, or financial adviser) in contexts where such misrepresentation could cause harm.

11. Data, Privacy & Security

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PCI-DSS handling plus a privacy-policy link. Pancake merchants: name Waffo Pancake as the processor. Fill [privacy policy URL] (point it at your published privacy policy) and [90] days.

Section 11 (common)

11. Data, Privacy & Security

Your use of the Service is governed by our Privacy Policy at [privacy policy URL]. Payment card data is processed exclusively by our PCI-DSS certified payment processor (Waffo Pancake) and is not stored on our servers. Account data is retained for [90] days following cancellation, then deleted.

12. Disclaimers & Limitation of Liability

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As-is disclaimer + AI-output disclaimer + a 12-month liability cap. Fill [LEGAL NAME] (all caps) and [12] months. Keep §12.2 — it’s the clause that protects you when customers act on AI output and lose money.

Section 12 (common)

12. Disclaimers & Limitation of Liability

12.1 Disclaimer of Warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR ACCURACY OF AI OUTPUTS.

12.2 AI-Generated Content Disclaimer
⚠️ AI GENERATED CONTENT DISCLAIMER
Outputs may be inaccurate, incomplete, or outdated. Do not rely on them for legal, medical, financial, or other professional advice. Always verify AI-generated content with a qualified professional before acting on it.

12.3 Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, [LEGAL NAME] SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID IN THE [12] MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

13. Term & Termination

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When you can suspend, and how customers delete their account. Fill [[e-mail]].

Section 13 (common)

13. Term & Termination

These Terms remain effective while you use the Service. We may suspend or terminate your account if you materially breach these Terms, we suspect fraudulent activity, or as required by law. If we terminate for reasons other than your breach, we will provide a pro-rated refund for any unused prepaid period. You may delete your account at any time by contacting [[e-mail]].

14. Governing Law & Dispute Resolution

⚪ optional

Jurisdiction + an optional arbitration clause. Fill [Country / State / Region] and [[e-mail]]. The arbitration sentence is optional — confirm with a lawyer if unsure.

Section 14 (common)

14. Governing Law & Dispute Resolution

These Terms are governed by the laws of [Country / State / Region]. Before initiating any formal proceedings, please contact us at [[e-mail]] to attempt informal resolution. [Optional: Any unresolved dispute shall be submitted to binding arbitration in [City] under the rules of [Arbitration Body].]

15. General Provisions

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Boilerplate with a 14-day minimum notice for terms changes. Fill [14] days (30 is friendlier).

Section 15 (common)

15. General Provisions

We may update these Terms at any time. Material changes will be notified by email at least [14] days before the effective date. Continued use constitutes acceptance. If any provision is found unenforceable, the remainder continues in full effect.

16. Contact Information

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Six channels by default. Better to list fewer real ones than six unmonitored — every channel here is checked during dispute handling. If you can only commit to one reliably, use it for every row.

Section 16 (common)

16. Contact Information

For any questions about these Terms or billing, please contact us:
- General Support: [[e-mail]]
- Billing: [[e-mail]]
- Refunds: [[e-mail]]
- Cancel Subscription: [[e-mail]] or Account Settings
- Legal & Privacy: [[e-mail]]
- Security: [[e-mail]]
- Phone: [+X-XXX-XXX-XXXX]
- Mailing Address: [Legal Name], [Street Address], [City, Country]

By using the Service or checking "I agree" at checkout, you acknowledge and agree to these Terms.

Last Updated: [DATE] · [Legal Name] · [Website URL]

After publishing, store the T&C URL, version number, and effective date together. When you change terms, notify existing users at least 14 days in advance — and keep a version log so you can prove what was active at any past point in time.