Imported from jeremylongshore/tons-of-skills-marketplace (skills/.curated/terms-generator/SKILL.md). Install upstream with npx skills add jeremylongshore/tons-of-skills-marketplace --skill terms-generator. Copyright stays with the author (MIT).

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

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