Frequently asked questions

Businesses based in England or Wales that sell to consumers: sole traders, partnerships and limited companies. It covers physical goods (including made-to-order), services, workshops and classes on fixed dates, digital content and subscriptions, sold online, in person or both.

No. Trading Terms produces consumer terms only. Business-to-business sales need different wording on liability, payment and remedies, and the generator does not pretend to offer it. If you sell mainly to other businesses, speak to Bonsai Law or your own adviser.

No. These are solicitor-drafted terms that the generator configures to your answers; they are not bespoke legal advice. You remain the trader and are responsible for checking the terms fit how you actually work before you publish them. If you need tailored advice on a messy situation, that's a Bonsai Law conversation, not a button click.

Generic templates are usually written for another country, another decade or someone else's business model, and they rarely line up with UK consumer law. Trading Terms uses fixed, solicitor-drafted wording, and your answers decide which clauses appear for each product you sell. You get a consistent document every time instead of a cut-and-paste job.

If you take money or bookings from consumers online, the Consumer Contracts Regulations 2013 require you to give clear information about price, delivery, cancellation and complaints before they buy, in a form they can keep. Terms and conditions are the usual way to do that.

List each product and say what kind it is. Each kind gets its own rules on when the contract is formed, cancellation, remedies and ownership, so your goods get delivery and returns wording and your course gets digital content wording, all in one document.

Usually, for distance and off-premises sales to consumers, but not always. The Consumer Contracts Regulations 2013 exclude made-to-order or personalised goods and leisure services provided on a specific date, such as a workshop. Digital content can be supplied straight away if the customer expressly asks for that and acknowledges they lose the right to cancel. The generator applies the right rule to each product.

Regulation 37 of the Consumer Contracts Regulations means a customer only loses the right to cancel if they expressly ask for immediate supply and acknowledge that they lose that right, and you confirm this afterwards. Your checkout wording gives you an unticked consent box for each digital item and a confirmation email that repeats the consent and records when supply began. If the customer does not tick the box, you wait 14 days before supplying.

A separate document for whoever builds your website. It covers the information to show before payment, the Terms acceptance box, any immediate-supply or early-start boxes, the order button wording, the confirmation email and the records to keep. Tick boxes must never be ticked in advance.

Yes. You get an editable Word version as well as the PDF, so you can add your logo or adjust minor wording. If you start deleting whole clauses to keep it short, you may delete protections the law expects. If your business changes, regenerating is safer than heavy editing.

You set the deposit percentage and when the balance is due. The terms explain the whole payment flow, including reminders before you can end the contract for non-payment. If a customer cancels outside any legal right, you can keep only your reasonable losses, because a deposit kept as a penalty is unlikely to survive the Consumer Rights Act 2015's fairness test.

Only as far as consumer law allows. The terms say you are responsible for foreseeable loss caused by your breach, and not for business losses, because you supply for private use. They do not try to cap liability to consumers or exclude their statutory rights, since terms like that are unenforceable under the Consumer Rights Act 2015.

It depends on what you sell. Customers own the goods they buy but not your designs or brand. Digital content comes with a personal licence. Workshop attendees keep what they make but not your materials. For services, you choose whether you keep the rights in what you create or transfer them once you're paid. Anything the customer gives you stays theirs.

No. The terms point to your privacy notice but don't replace it. UK GDPR expects a separate, transparent privacy notice explaining how you handle personal data.

Your £195 purchase includes a 12-month regenerate window, so you can rerun the wizard when your offer changes without buying again. If you add workshops or a subscription, answer the questions afresh rather than patching an old document.

Yes, where you can give the price, what the subscription includes and how customers cancel. Without those answers, the subscription wording is left out. The Digital Markets, Competition and Consumers Act 2024 will bring in new subscription rules, which are not yet in force, and your checkout notes flag what to watch for.

The generator outputs English-language terms only. Bilingual or translated terms need bespoke drafting so the translation doesn't change the deal, so that's one for Bonsai Law or your own adviser.

No. If you're authorised by the FCA, provide medical treatment, run gambling operations or sell anything with its own regulatory regime, you need sector-specific advice rather than general consumer terms.

The clause wording is fixed and solicitor-drafted. Your answers decide which clauses appear and fill in your details. AI is used only to tidy your short product descriptions; it doesn't write clauses or invent legal positions.

The terms set out how customers complain and how quickly you'll respond. An alternative dispute resolution body is named only if you're a member, are required to use one or are willing to use one. If not, the terms say so, as the ADR Regulations 2015 require.

They're drafted for English law and consumers in the UK. If you sell heavily into other countries, or your business is based outside England and Wales, local law may give customers different rights and you'll need advice.

You can share the generated terms with people who help you put them into practice, such as your web developer, but the licence is for one business only. You can use and adapt the terms for your own business, but you must not resell, redistribute or publish them as templates, or make them available for others to download.

Ask yourself three questions. Do you know which UK consumer rules apply to each thing you sell? Can you write the checkout wording (order button, unticked consent boxes, confirmation email) yourself? Will you notice when your terms go out of date? If the answer to all three is yes, a free template may do. If not, a generator built on fixed, solicitor-drafted wording does that work for you, within its limits. If you sell mainly to businesses, are regulated or have a live dispute, neither is right and you need a solicitor. Our generator vs template vs solicitor comparison goes through it (CCRs 2013, reg 14 and reg 37).

If goods are faulty, not as described or not fit for a purpose the customer told you about, the customer can reject them for a full refund within 30 days. After that, or if they prefer, you must repair or replace at your cost. If that fails, they can have a price reduction or reject the goods for a refund, with no deduction for use in the first six months. Refunds go back within 14 days, by the same payment method, without a fee. Your terms cannot remove these rights (Consumer Rights Act 2015, ss 20, 22 to 24 and 31). See our guide to Consumer Rights Act 2015 refunds.

Since 6 April 2025, the CMA can fine businesses directly for breaking consumer law, up to 10% of global turnover or £300,000, whichever is greater. Headline prices must include unavoidable fees, so no drip pricing, and fake or concealed-incentive reviews are banned outright (DMCC Act 2024, s 230 and Sch 20, para 13). The new subscription rules are not yet in force: the government announced in August 2026 that they will start in January 2027, but the regulations have not yet been made. Read the DMCC Act 2024 for small online sellers for the details.

No. Terms of sale are the contract for what you sell: price, delivery, cancellation, remedies and complaints. Website terms of use are the rules for using the site itself, such as accounts, acceptable use and content people post. Trading Terms produces terms of sale. If you sell online, you can add a short "Using our website" section covering accounts, acceptable use and availability, but it is not a full standalone terms of use, and it does not replace your privacy notice or cookie notice (UK GDPR, Art 13; PECR 2003, reg 6). Whatever you publish, customers must be able to save a copy of your terms (E-Commerce Regulations 2002, reg 9(3)). See Trading Terms.