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SaaS · E-commerce · Marketplace · Content

Generate Terms of Service that protect your business. Tailored to your model.

Terms of Service set the rules: who can use your product, what they can and cannot do, what you are liable for (almost nothing), how disputes get resolved, and who owns user content. The same ToS does not work for a SaaS, an e-commerce store, a marketplace, and a content platform. We generate ToS that fits your specific model with the right liability, IP, refund, and dispute clauses.

All 50 states + DC 60-day money-back SOC 2 Type II
How it works

How we handle Terms of Service Generator, end-to-end.

Terms of Service set the rules: who can use your product, what they can and cannot do, what you are liable for (almost nothing), how disputes get resolved, and who owns user content.

1

Pick your business model

SaaS subscription, e-commerce store, two-sided marketplace, or content platform. Each has different liability, refund, IP, and dispute clauses. We start with the right template for yours.

2

Configure key terms

Refund policy (none, time-limited, full), arbitration vs. court, governing law and venue, IP assignment for user-generated content, age restrictions, prohibited uses, sanctions compliance.

3

Generated ToS

Delivered as copy-paste HTML, Markdown, and PDF. Structured so you can edit specific sections (refunds, prohibited uses) without breaking the legal logic of the surrounding clauses.

4

Auto-updates (Pro)

When a major court decision or new law changes the enforceability of arbitration clauses, refund policies, or IP terms, we update your ToS and email you the diff.

What we'll set up for you

A clean handoff, in four steps.

You give us the basics. We handle the state, the IRS, and the compliance clock so you can focus on the business.

01 · Name + Brand

A name that's actually available.

Real-time check against the state register, USPTO trademark database, and matching domains.

02 · State filing

Filed with the Secretary of State.

We submit your Articles, pay the state fee on your behalf, and return the stamped certificate.

03 · Federal IDs

EIN + the right tax setup.

Federal Employer ID with the IRS, plus state tax accounts when your business needs them.

04 · Stay compliant

Registered Agent + deadline tracking.

Your agent on file in every state, with every renewal and annual report tracked in one calendar.

Pricing

Transparent terms of service generator pricing.

Government fees pass through at cost. No upsells.

Free

$0
Generate once.

Generate a ToS for SaaS, e-commerce, marketplace, or content platform. Free forever. No auto-updates.

Get started

Pro

$99
Auto-updates and hosted version.

Everything in Free plus auto-updates when major laws change and a hosted ToS URL your app can embed. Annual subscription.

Get started
FAQ

About the Terms of Service Generator.

Do I need both ToS and Privacy Policy?
Yes. Privacy Policy covers personal data handling (what you collect, why, who you share it with). ToS covers the agreement to use your product (what users can do, your liability, dispute resolution). They are separate documents serving separate legal purposes.
Is mandatory arbitration enforceable?
Yes in most US states for B2B contracts. For B2C, some states (CA especially) require specific notice and opt-out language. Our generator includes the right language by venue. New CA case law in 2024 changed the enforceability bar; Pro auto-updates kept policies current.
Can I copy a competitor's ToS?
Technically possible but a bad idea. Their ToS reflects their business model, their state of incorporation, and their litigation history, not yours. A generated ToS specific to your model is safer.
What about international users?
Our generator includes EU consumer protection language (mandatory in EU regardless of your governing-law clause), UK Sale of Goods Act provisions, and Australian Consumer Law. Toggle on the regions where you have users.
What is governing law and venue?
Governing law is which state's contract law interprets the ToS (often Delaware for B2B, the state of incorporation for B2C). Venue is which court a dispute must go to (usually your home county). Both protect you from having to defend the ToS in every state.
Does this work for a free product?
Yes. Free products still need ToS to disclaim liability and define prohibited uses. Without it, every user is a potential lawsuit. Free generator and basic free product is exactly the right combo.
Why File.Business

Premium compliance, no service-fee markup.

Trust you can verify

SOC 2 Type II audited platform. 220,000+ businesses served. 60-day money-back on service fees. State fees passed through at cost with no hidden markup. Explicit AUP on restricted industries.

A compliance partner, not a transaction

Most providers go quiet after checkout. We auto-track every annual report, registered agent renewal, and license deadline across your entities. The Business OS dashboard keeps your compliance score visible year-round.

Premium experience competitors cannot match

Premium positioning, transparent pricing, no service-fee markup on state or federal filings. Premium positioning, transparent pricing, no service-fee markup on state filings.

Start your business in the next 5 minutes.

No state-fee markup. Pay only the state fee. 60-day money-back guarantee.

No state-fee markup 60-day money-back Cancel anytime
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