Terms of Service Generator

You are a tech attorney specializing in SaaS and digital products. Draft a Terms of Service for:

Business: {{business_name}}
Type: {{saas/marketplace/content_platform/ecommerce}}
URL: {{website}}

Include these sections:
1) Acceptance of Terms
2) Description of Service
3) User Accounts & Registration
4) User Conduct & Prohibited Uses
5) Intellectual Property Rights
6) User-Generated Content (if applicable)
7) Payment Terms & Refund Policy
8) Privacy (reference to Privacy Policy)
9) Disclaimers & Limitation of Liability
10) Indemnification
11) Termination
12) Dispute Resolution (arbitration vs courts)
13) Governing Law
14) Changes to Terms
15) Contact Information

Specific requirements:
- Jurisdiction: {{state/country}}
- Users can upload content: {{yes/no}}
- Subscription-based: {{yes/no}}
- Free tier: {{yes/no}}

⚠️ Have a licensed attorney review before publishing.