Trading Terms — Plain-English UK T&Cs for how you actually sell.
Who this is for
This is for UK traders who are done winging it and want customer terms that match the real shape of the business. Not a mystery PDF from the internet. Not a US template with "state law" left in by accident.
Perfect for:
- Sole traders, limited companies and small teams selling under their own brand in England or Wales.
- Businesses selling to consumers, to other businesses, or to both, where the same website or sales process needs to cover different buyer types.
- Traders selling physical goods, services, digital content or a mixed offer, including subscriptions, downloads, online courses and made-to-order work.
- Businesses taking orders online, by email, over the phone, in person, or through a mix of those channels.
- Founders who want proper customer terms before launching a new offer, rather than tidying up the mess after the first complaint.
- Businesses that need one joined-up set of terms explaining payments, cancellations, complaints, delivery, liability and IP in plain English.
- Anyone who wants a solicitor-drafted structure they can configure and use, without pretending a generic template was written for their exact business.
The problems this solves
"Late payment, deposits and cancellation fees"
Without written terms you are relying on goodwill and polite chasing. Customers cancel last-minute, deposits go unrefunded, invoices stretch into next quarter and you have nothing to point at.
The generator lets you set deposit treatment, late-payment interest, cancellation windows and pause-work rights, all aligned with CMA fairness expectations and CRA 2015 so your terms hold up rather than collapse on first challenge.
"The 14-day cooling-off rule (CCRs 2013)"
If you sell to consumers at a distance, the law gives them 14 days to change their minds. Fail to explain it and the period can extend up to 12 months.
The generator switches on the right cooling-off language for your channels and products, including carve-outs for personalised, made-to-order or time-specific work, and the standard cancellation form where required.
"Selling digital downloads or courses (CCRs reg 37)"
Customers want instant access. The law wants explicit consent before they lose their right to cancel. Skip the wording and you may end up refunding long after the content has been consumed.
Schedule 1 is auto-added when you flag any product as digital with immediate supply. The reg 37 consent wording sits in the document; you wire the checkout box, the language is ready.
"Liability caps that actually hold up"
Caps that try to exclude all liability, or that look microscopic next to the deal size, get struck down as unfair under CRA 2015 and UCTA 1977. "We are never liable for anything ever" is not a clause; it is a red flag.
Pick from cap structures linked to fees, insurance limit or fixed sum. The generator inserts the right exclusions and carve-outs and stops you accidentally promising a blank cheque.
What you get
A configured T&Cs document in PDF and editable DOCX, built around your answers on buyer type, supply type and sales channel.
The right modules switched on for your setup, including options for deposits, warranty wording, subscriptions, acceptable use, disclaimers, confidentiality, scheduling and insurance where relevant.
A simple guided wizard covering the nine trader-specific fields, such as your trader details, delivery window, deposit wording, complaints contact and jurisdiction city.
A "How to use this T&Cs" PDF in the same practical style as the existing Contract Studio how-to guides.
A plain-English "Key points for your customers" one-pager you can publish alongside the legal terms.
Schedule 1 auto-included if any of your products involve digital content supplied immediately and the extra consent wording is needed under the Consumer Contracts Regulations.
A regenerate window after purchase, so if your product line changes in the early weeks you can rerun the document without buying the whole thing again.
Read this first (before you generate)
These are solicitor-drafted templates configured by you, not bespoke legal advice. You remain the trader; you are responsible for checking the output fits how you actually work before you publish. If you are in a regulated sector, selling cross-border, or in the middle of a live customer dispute, you are already in bespoke-advice territory.
When you buy the pack you also get a short "Read this first" PDF that walks you through:
- When the Trading Terms generator is safe for traders to use themselves.
- When you should speak to a solicitor or use Bonsai Law's bespoke service instead.
- The three-step process for using the pack without breaking anything important.
How does the generator know what to write?
Under the bonnet, the document is built from a locked 34-module structure tied to your three core answers: buyer type, supply type and sales channel. That means B2C, B2B or both; goods, services, digital or mixed; online, offline or both. Same architecture every time, no random clause drift.
The modules switch on and off automatically depending on your setup, so a trader selling digital downloads to consumers online does not end up with the same wording as a B2B service provider working offline. The only parts being filled from your answers are the nine short, deal-specific fields; the underlying clause bodies stay fixed, which keeps the structure consistent with English consumer and commercial law.
See how Schedule 1 works in practiceHow it works
Answer the three setup questions
Who you sell to, what you sell, how you sell it
Switch on the modules
Deposits, warranty terms, subscriptions, acceptable-use, scheduling
Fill in the nine business-specific fields
Company details, delivery timing, complaints contact, jurisdiction
Download and use
PDF + DOCX, with sensible Word tweaks where needed
Solicitor-drafted, English-law only · CCRs 2013 reg 37 built in · B2C, B2B or both in one document · Plain English throughout · Regenerate window included
Document previews:
The starter Trading Terms generator for UK traders selling one product type to one buyer type through one channel. Solicitor-drafted skeleton, configured by your answers on Party Basis, Supply Type and Sales Channel. Auto-emits Schedule 1 cooling-off wording (CCRs 2013 reg 37) for any digital line you flag as immediate-supply.
What's Inside:sole traders and micro-businesses with a single product or service, selling to one buyer type through one channel.
This pack is licensed for use by a single business only. You can use and adapt the templates for your own company and future ventures you own, but you must not resell, redistribute, publish or share these templates or any adapted versions as your own products, or make them available for others to download.
Modules Included (click to expand):
Save £0 with the full pack!
Instant download after purchase
Document previews:
The flexible Trading Terms generator for traders with a real mix — consumers and businesses, multiple product types, online and offline sales. Adds variant selectors for deposit, liability cap and IP, plus house toggles for commercial warranty, disclaimers, confidentiality, scheduling and insurance modules.
What's Inside:independent traders and small companies running a real-shape business — multi-product, multi-channel, multi-buyer.
This pack is licensed for use by a single business only. You can use and adapt the templates for your own company and future ventures you own, but you must not resell, redistribute, publish or share these templates or any adapted versions as your own products, or make them available for others to download.
Modules Included (click to expand):
Save £0 with the full pack!
Instant download after purchase
Document previews:
The full Trading Terms generator with subscription / membership terms, an acceptable-use module, configurable CEDR / ADR wording, and the longest regenerate window. Designed for traders running subscriptions, marketplaces, or genuinely diverse commercial models who want one joined-up set of customer terms covering every channel and product.
What's Inside:subscription businesses, marketplaces, multi-product operations, and traders who want the full sweep — including the acceptable-use and subs modules locked behind this tier.
This pack is licensed for use by a single business only. You can use and adapt the templates for your own company and future ventures you own, but you must not resell, redistribute, publish or share these templates or any adapted versions as your own products, or make them available for others to download.
Modules Included (click to expand):
Save £0 with the full pack!
Instant download after purchase
Document previews:
Build your own trading terms with our bespoke smart template. Plain-English UK T&Cs for how you actually sell — configured by your answers on Party Basis, Supply Type and Sales Channel, with every house toggle (deposits, commercial warranty, acceptable use, subscriptions, disclaimers, scheduling, insurance, confidentiality, CEDR/ADR) unlocked from step one. Auto-emits Schedule 1 cooling-off wording (CCRs 2013 reg 37) for any digital line you flag as immediate-supply.
What's Inside:sole traders, consultancies, agencies, subscription businesses, marketplaces — any UK trader who wants one joined-up set of customer terms covering every channel and product without five hundred quid of solicitor time.
This pack is licensed for use by a single business only. You can use and adapt the templates for your own company and future ventures you own, but you must not resell, redistribute, publish or share these templates or any adapted versions as your own products, or make them available for others to download.
Modules Included (click to expand):
Save £0 with the full pack!
Instant download after purchase
Quick questions sellers often ask
Q. Who is this T&Cs generator actually for?
This is for UK-based traders who sell under their own name — sole traders, partnerships and limited companies — and need proper customer terms without disappearing into a three-week contract drafting hole. It covers goods, services, digital content and mixed offers, as long as your business is based in England or Wales and your customers are mainly in the UK. If you trade under a brand but file accounts at Companies House or on HMRC's radar, you're the right kind of buyer.
Q. Do I always have to offer a 14-day cooling-off period?
You must usually offer consumers a cancellation period for most distance and off-premises contracts, but the Consumer Contracts Regulations carve out made-to-order goods and certain leisure or time-specific services, and treat digital content with immediate access differently. CCRs 2013 let you shorten or remove that right in some scenarios if you follow the rules, get clear consent and explain the consequences up front. The generator asks how you sell, then switches the right cooling-off language on for the combinations that actually apply.
Q. What exactly is Schedule 1 and when does it show up?
Schedule 1 to the Consumer Contracts Regulations sets out the mandatory wording you need when you supply digital content immediately and the consumer wants to start before the cancellation period ends. CCRs 2013 reg 37 says you must capture explicit consent and a clear acknowledgement that the right to cancel is lost. The generator auto-adds a Schedule 1 consent section when you flag any product as "digital with immediate supply", so you don't have to write that bit yourself.
Q. Can I edit the T&Cs after I download them?
Yes. You get both PDF and editable DOCX, so you can tweak language, add your logo or adjust minor wording. Just remember the generator has done the boring legal alignment work for you; if you start deleting whole chunks to "keep it short" you may delete the very protections the law expects you to have. If you make significant changes, regenerating and sense-checking again is usually safer than hacking it beyond recognition.
Q. What happens if I change my product line after I've generated my T&Cs?
Your £195 purchase includes a 12-month regenerate window, so you can rerun the wizard whenever your offer changes without buying anything again. If you pivot from selling handmade candles to subscription software, you'll need to answer the questions differently — the regenerate option exists precisely so you don't patchwork a document that no longer matches reality.
Q. What is the £5 Smart Check add-on?
Smart Check is an optional £5 AI second-opinion diagnostic that runs over your generated T&Cs and flags wording that doesn't match the buyer / supply / sales channel combination you picked, or clauses that look inconsistent with the rest of the document. It's a separate purchase — not bundled — buy it on demand if you want an extra pass before you publish.
Is this template right for you?
This template is a good fit if you can say "yes" to all of these:
- You are a sole trader, partnership or limited company in England or Wales
- Your customers are mainly UK-based
- You sell goods, services, digital content or a mix
- You sell online, offline, or both
- You are not in a heavily regulated sector
If you are FCA-regulated, run gambling or healthcare operations, operate a marketplace, sell mainly cross-border or need bilingual terms, you are beyond template territory. Bespoke advice from Bonsai Law (clientcare@bonsai.law) is the right route.
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