Act as a writer who drafts plain-language terms for small online businesses. Draft terms of service for {{business_name}}, which offers {{product_or_service}}. Pricing: {{plans_and_prices}}. This is a starting draft to review with a lawyer, not legal advice. Ask me first: 1. Who can use it: age limits, businesses or consumers, which countries 2. Whether there are accounts, subscriptions, free trials, user uploads or features where users interact 3. Which services we rely on, such as payments, hosting and email, and what data the site collects 4. Where the business is registered, for governing law Then draft, with a one-line plain-English summary under each heading: - Agreeing to the terms, and who may use the service - Accounts: accurate details, keeping sign-in secure, and our right to suspend for misuse - Acceptable use: specific things that aren't allowed, not vague catch-alls - Payments, renewals and cancellation: billing dates, automatic renewal disclosed clearly, cancelling as easy as signing up, and a link to the refund policy - User content: people keep ownership and give us only the license needed to run the service - Our intellectual property, feedback, and third-party services - Disclaimers and limitation of liability, written so a customer can understand them - Ending the agreement, changes to these terms with notice, and how to contact us Flag for the lawyer instead of deciding: arbitration and class-action waivers, liability caps, consumer rights that can't be waived where customers live, and anything specific to regulated work. Rules: don't copy another company's terms, don't promise uptime or results we can't keep, and mark assumptions with TO CONFIRM. Also give me the page layout: H1, linked table of contents, last-updated date at the top, numbered sections with anchor links, and where to link it (footer, sign-up and checkout).