Terms and Conditions Generator
Terms of use, sale or service — with the clauses Indian law will not enforce flagged.
Checks
Preview
Highlighted hints mark fields you have not filled in; downloads and printouts show a blank line there instead. To print, choose your printer or “Save as PDF” and turn off “Headers and footers”.
For general information only, not legal advice. Templates are generic starting points — have a qualified lawyer review anything you rely on.
About the Terms and Conditions Generator
Terms and conditions are the contract between you and everyone who uses your website, app or store. Copied templates often carry clauses that do not work in India — a one-year limit on bringing claims is void under the Indian Contract Act (s.28), a waiver of consumer complaints cannot be enforced, and terminating “at any time without reason” is an unfair contract term under the Consumer Protection Act 2019 (s.2(46)).
Answer a few questions — what you offer, to whom, and how you charge — and the generator writes terms of use (website), terms of service (SaaS), an end-user licence agreement (app) or terms of sale (online store): accounts, acceptable use, a licence for user content, intellectual property, payments and subscriptions, disclaimers, limitation of liability, termination and disputes. It adds the rules for intermediaries (IT Rules 2021) and e-commerce entities (E-Commerce Rules 2020) when they apply, and flags every risky choice with the law behind it. Download it as Word or text, or copy HTML for your site. Everything stays in your browser.
How to use it
- Describe the service — its name, address, what kind it is (website, SaaS, app or store) and who runs it — and choose whether it is for consumers, businesses or both.
- Tick what it does: accounts, user posts or reviews, payments, subscriptions or free trials, physical goods, a marketplace of other sellers.
- Set your rules: when you can end the contract, how you change the terms, your liability cap and where disputes go. The checks explain any choice that a court or Consumer Commission may not enforce.
- Add the Grievance Officer if users can post content or you sell online — the Indian rules require one.
- Review the checks and the preview, then download DOCX or text, or copy the HTML and publish the terms on your site, linked from every page and accepted at sign-up or checkout.
Examples
Store · consumers · accounts, payments, goods, reviews · courts in Pune
Terms of sale and use with order, cancellation and refund rules, returns that never exclude defective goods, prohibited-content rules, and a Grievance Officer with the IT Rules timelines (24 hours to acknowledge, 7 days to resolve) and the e-commerce ones (48 hours, one month).
SaaS · businesses and consumers · subscriptions, 14-day trial without card
Terms of service with auto-renewal reminders, cancellation as easy as sign-up, 30 days’ notice of price changes, and arbitration for business users only.
“Claims must be brought within 6 months”
Flagged as void under Indian Contract Act s.28 — the document cannot be exported until it is removed.
Common uses
- A startup or freelancer launching a website, SaaS product or app who needs terms that fit Indian law.
- An online shop or marketplace putting the E-Commerce Rules disclosures and grievance process in place.
- Checking a template you already have for clauses that are void or unfair.
- Lawyers and founders preparing a first draft to review and adapt.
Clauses that do not work — and what the generator does instead
- Time limits for claims (“any claim must be brought within one year”) are void: s.28 of the Indian Contract Act voids a term that limits the time to enforce rights or extinguishes them after a set period. The Limitation Act decides.
- Waiving consumer remedies fails: the Consumer Protection Act applies in addition to other laws (s.100), a consumer can complain where he or she lives or works (s.34(2)(d)), and an arbitration clause does not bar a consumer complaint (Emaar MGF Land Ltd v. Aftab Singh, Supreme Court).
- Unfair contract terms against consumers — terminating without reasonable cause, unreasonable charges or conditions, transferring the contract to the consumer’s detriment, disproportionate penalties (CPA 2019 s.2(46)) — can be declared null and void by a State or the National Commission (ss.49(2), 59(2)).
- Total exclusion of liability rarely holds: the terms always keep liability for fraud, death or personal injury caused by negligence, and anything the law does not allow you to exclude.
Indian rules that add clauses
- Intermediaries (users post content, or others sell through you — IT Act s.79), under the IT Rules 2021 as amended: publish your rules, privacy policy and user agreement; tell users what they must not post (r.3(1)(b)); remind them at least once every three months that you can suspend or end access for breaches, that they may be punished for unlawful content, and that offences the law requires to be reported will be reported (r.3(1)(c)); remove unlawful content within 3 hours of a court order or a reasoned written intimation from an authorised government officer (r.3(1)(d)); and name a Grievance Officer who acknowledges complaints in 24 hours and resolves them in 7 days — 36 hours for requests to remove prohibited content, and 2 hours to act on complaints about intimate images or impersonation (r.3(2)).
- E-commerce entities (E-Commerce Rules 2020): show who you are and how to reach customer care and the Grievance Officer (48 hours to acknowledge, one month to redress); the total price with its break-up; return, refund, warranty and delivery terms; no cancellation charges unless you bear the same; consent by an explicit action, never a pre-ticked box. The E-Commerce (Amendment) Rules 2026 (in force from 1 January 2027) add: a copy of each complaint as recorded, clearly marked sponsored listings, the prior price (lowest in the last 30 days) next to any announced price cut, the seller’s name on the invoice, no manipulated search results, and a yearly dark-pattern self-audit with a displayed certificate.
- Subscriptions: the Dark Patterns Guidelines 2023 list “subscription traps” (hard-to-find or complicated cancellation, payment details demanded for a free trial) and “SaaS billing” (silent trial conversions and renewals).
Make your terms count
- Ask users to accept the terms with an unticked checkbox or an “I agree” button, keep a record of the version accepted, and link the terms from every page.
- Keep them in plain language — in the UK an unclear term is read in the consumer’s favour (Consumer Rights Act 2015 s.69).
- Publish a privacy policy alongside the terms; the IT Rules expect both.
- Review them when your service, prices or the law change, and at least once a year.
Sources
- Indian Contract Act, 1872 — ss.10, 11, 23, 28
- Consumer Protection Act, 2019 — ss.2(7), 2(46), 34, 49(2), 59(2), 100; Consumer Protection (E-Commerce) Rules 2020 (G.S.R. 462(E), amended by G.S.R. 328(E) of 2021) and the E-Commerce (Amendment) Rules 2026 (G.S.R. 789(E), in force from 1 January 2027); Guidelines for Prevention and Regulation of Dark Patterns, 2023
- Information Technology Act, 2000 — s.79, and the IT (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 (MeitY consolidated text, with the amendments G.S.R. 775(E) and G.S.R. 120(E)) — r.3; a PIB release summarises these amendments
- Council Directive 93/13/EEC on unfair terms in consumer contracts — art. 3 and Annex
- UK Consumer Rights Act 2015 — ss.31, 57, 62, 65, 68, 69 and Schedule 2
Limitations
- A template, not legal advice. Have a lawyer review the terms for your business before you publish them.
- Regulated activities — lending, insurance, online gaming, health, pharmacy, education with fees, crypto — have their own rules that are not covered.
- The IT Rules are applied with the amendments listed under Sources, and the E-Commerce Rules with the E-Commerce (Amendment) Rules 2026 (in force from 1 January 2027). Both are amended from time to time — check for changes before you rely on the timelines.
- Services that let users create AI-generated (“synthetically generated”) images, audio or video have extra labelling and warning duties (IT Rules r.3(1)(ca), r.3(3)) that these terms do not write for you.
- It does not write a privacy policy, refund policy page or cookie banner; use the Privacy Policy Generator for the privacy notice.
Privacy
Everything happens in your browser. What you enter or open here is not uploaded or stored by MySmartCoPilot.
Frequently asked questions
Are terms and conditions mandatory for a website in India?
Not for every website, but they are the contract with your users, and some businesses must publish them: intermediaries (sites where users post content, and marketplaces) must publish their rules, privacy policy and user agreement (IT Rules 2021 r.3(1)(a)), and e-commerce entities must show their terms on returns, refunds, delivery and payment (E-Commerce Rules 2020).
Can I limit the time a customer has to make a claim?
No. A term that limits the time within which a party may enforce its rights, or extinguishes them after a set period, is void under s.28 of the Indian Contract Act. The Limitation Act sets the time limits.
Can my terms stop customers from going to the consumer court?
No. Consumers can file a complaint before the Consumer Commission where they live or work even if the terms name another city or require arbitration (CPA 2019 s.34(2)(d); Emaar MGF Land Ltd v. Aftab Singh).
What is an unfair contract under the Consumer Protection Act 2019?
A term that significantly changes a consumer’s rights — such as manifestly excessive security deposits, wholly disproportionate penalties, refusing early repayment, terminating unilaterally without reasonable cause, assigning the contract to the consumer’s detriment, or any unreasonable charge or condition (s.2(46)). State and National Commissions can declare such terms null and void.
Do I need a Grievance Officer?
Yes if users can post content or others sell through you (IT Rules 2021 r.3(2), as amended: acknowledge in 24 hours, resolve in 7 days), and if you sell goods or services online (E-Commerce Rules 2020 r.4(4)–(5): acknowledge in 48 hours and redress in one month; the E-Commerce (Amendment) Rules 2026 (in force from 1 January 2027) also make you give the complainant a copy of the complaint as recorded). Publish the name and contact details.
What is the difference between an EULA and terms of service?
An end-user licence agreement grants the right to install and use software — an app — and sets what you may not do with it, such as copying or reverse engineering. Terms of service cover the use of an online service. For an app, the generator combines both.