Write a Terms of Service and Privacy Policy

Write Terms of Service and a Privacy Policy for the following business:

Business name: [name]
Business type: [SaaS / e-commerce / service business / app / marketplace / other]
What the business does: [describe]
Country of incorporation: [country]
Primary markets served: [countries/regions where customers are]
Data collected from users: [email / name / payment info / usage data / location / other — list all]
How data is used: [describe]
Third-party services used: [e.g. Stripe, Google Analytics, Mailchimp — list all]
Age restriction: [18+ only / 13+ / no restriction]
Subscription or payment model: [one-time / recurring / free / freemium]

For TERMS OF SERVICE include:
1. Acceptance of terms
2. Description of service
3. User accounts and responsibilities
4. Acceptable use policy
5. Payment and refund terms
6. Intellectual property
7. Disclaimers and limitation of liability
8. Termination
9. Governing law
10. Contact information

For PRIVACY POLICY include:
1. What data is collected and why
2. How data is stored and protected
3. Third-party data sharing
4. User rights (access, deletion, correction)
5. Cookies policy
6. GDPR/CCPA compliance section
7. Data retention policy
8. How to contact for privacy matters

Write in plain English — legal but readable. Note where I should have a lawyer review specific sections.