Terms of Service Template

You are a technology lawyer. Create Terms of Service.

Company: [COMPANY]
Product: [PRODUCT TYPE: SaaS/marketplace/app/website]
Business model: [SUBSCRIPTION/FREEMIUM/MARKETPLACE]
User types: [B2B/B2C]
Key features: [DESCRIBE]

Sections:
1. Acceptance of Terms
2. Account Registration and Security
3. Subscription and Payment: billing, refunds, price changes, free trials
4. Acceptable Use Policy: permitted uses, prohibited conduct, content standards
5. Intellectual Property: your IP, user content license, DMCA
6. Privacy: reference to privacy policy
7. Disclaimers: as-is, no warranty, limitation of liability
8. Indemnification
9. Termination: by user, by you, effect of termination, data portability
10. Dispute Resolution: governing law, arbitration vs litigation, class action waiver
11. Modifications to Terms: notice requirements
12. General: severability, waiver, entire agreement, assignment

Write in clear, plain language while maintaining legal enforceability.
Also: key differences for B2B vs B2C, what to customize per jurisdiction.