--- name: terms-generator description: | Generates comprehensive terms of service by analyzing a website or application to detect business type, data collection, and user interactions. Use when launching a website, app, or SaaS product that needs terms of service with GDPR/CCPA compliance. Trigger with "/terms-generator" or "create terms of service for my website". allowed-tools: Read, Write, Glob, Grep, WebFetch version: 1.0.0 author: Intent Solutions license: MIT compatible-with: claude-code, codex, openclaw tags: [legal, terms-of-service, compliance, gdpr, ccpa] --- # 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](https://www.ftc.gov/business-guidance) — Federal Trade Commission compliance - [California Attorney General CCPA](https://oag.ca.gov/privacy/ccpa) — CCPA regulations and guidance - [ICO Guide to Data Protection](https://ico.org.uk/for-organisations/) — UK/GDPR compliance guidance - [CommonPaper Standard Terms](https://commonpaper.com/standards/) — CC BY 4.0 open-source terms - [Termly ToS Generator](https://termly.io/) — Reference for section structures - [SBA Small Business Legal Resources](https://www.sba.gov/) — US government business guidance