Terms & Conditions Template + Privacy Policy Template
Lawyer-Drafted Templates You Can Customise in 5 Minutes
Everything you need for your online business. Includes template updates when laws change. No monthly subscription fees.
How It Works – Get Compliant in 5 Minutes
Instant Online Access to Your Templates
Log in to your Legal123 dashboard after purchase. You’ll see your Website Legal Package generator listed. Click on the link and watch the short walkthrough video. No downloads, no software, works on any device.
Fill in the Smart Form Online
Answer 7 simple questions about your online business (business name, ABN, contact details, etc.). Then select your business type from 14 options (we’ve pre-loaded industry-specific clauses for you). Takes less than 5 minutes. See below.
Generate Your Legal Notices
Your custom Privacy Policy, Website Disclaimer, and Terms & Conditions are generated instantly. Copy/paste the text directly into your website editor (or email them to your web designer). Now you’re ready to go live.
What’s Included in the Website Legal Package?
- Terms and Conditions Template – Pre-approved by major Australian banks for merchant account applications. Required by Australian Consumer Law for all online sellers. Covers delivery, returns, refunds, warranties, and dispute resolution.
- Privacy Policy Template – Required by Australian Privacy Law if you collect customer data. Shows customers how you protect their information and comply with privacy regulations.
- Website Disclaimer Template – Limits your liability for published content, user reliance on advice, and third-party links. Protects your copyright, trademarks, and intellectual property from unauthorised use.
- Free Email Disclaimer Template – Short disclaimer notice to protect emails and their content from being misused.
- Free Cookies Consent Template – Short statement to use with a website pop-up to notify visitors that you use cookies.
- Single Use – Licensed for use on 1 website only.
- Online Video Instructions – Watch over my shoulder as I fill in the templates. See exactly what to write in each field, which business type to select, and where to place your legal notices on your website.
- Written Instructions – If the online video format is not convenient for you, the instructions also come in written format as a downloadable PDF.
- Telephone Support – We’ve made the templates “Easy as 1-2-3”, but if you get stuck or have a question, we’re here to help. Send us an email or give us a call.
- Updates by Email – We don’t overwhelm you with emails, but when the law changes and the templates you’ve purchased are updated, we let you know.
- Peace of Mind – Written by a team of qualified Australian lawyers, ensuring your website notices are legally valid, up to date, and easy to use.
How a Free T&Cs Template Got My PayPal Account Frozen
The Setup
Rachel had just launched her online fitness program – a $297 digital course she’d spent months creating. To get to market fast, she used a free Terms & Conditions template and tweaked it slightly for her business name. It looked professional enough, and she had paying customers within the first week.
The Disaster
Then came the first refund request. A customer who’d already completed 80% of the course wanted their money back, claiming it “didn’t meet expectations”. Rachel declined it – they’d already consumed most of the content. The customer went straight to PayPal and disputed the charge. They reviewed Rachel’s generic T&Cs and found no clear “digital goods” policy and vague language regarding refunds. PayPal sided with the customer. Over the next two months, four more customers did the exact same thing. Then PayPal flagged her account as “high risk” and froze it – no payments in or out for 90 days while under review.
I had been putting off updating my website legals because it seemed so complicated, but it was so simple to download a Website Legal Package from Legal123 and within minutes I was able to upload 'the fine print' to my website. Thanks for a great product.
As a web designer, I recommend Legal123's Website Legal Package for all my client's websites. The templates are super easy to create and then edit if we need to. I also think it's very affordable and so worth having legal templates I can trust for peace of mind.
Legal123's online templates made it so easy to cover off the legal requirements of launching a new online store. The instructions on how to implement the template on our site were super simple. I highly recommend to anyone launching a new website.
Super easy to use - quick and great value for money. I think it took 15 minutes to import the content into my website. Love it!
Fantastic done for you "terms and conditions template". I needed something fast for an online course I was launching and this template gave me huge piece of mind that I was covering myself AND complying with the law. Thank you!
Legal123 made it so easy to create my legal pages for my website, something I'd been putting off for ages thinking it was all too hard. I needn't have worried! I will now be sending all my website customers to Legal123 for their website legal pages. Awesome service, thanks!
A great product and fantastic customer service. Lets me focus on running my business and not worry about making sure I have the right policies for my website. I highly recommend the Website Legal Package.
I can't tell you how lovely it is to be able to refer all our website design clients to Legal 123 to ensure their website disclaimers, terms and conditions and privacy policies are properly done. We've also used Legal 123 for our own website legals and it gives us great peace of mind to have this resource on hand.
Really great service, easy to use, simple, fast and a fraction of a full fee service, which my website business just doesn't need at this stage. Had an additional question, emailed Legal123 and it was answered very quickly. Thank you!
Terms and Conditions Template + Privacy Policy Template + Website Disclaimer Template
- Time to Complete: 5 minutes
- Includes: Privacy Policy, Website Disclaimer, Terms & Conditions, Cookie Notice, Email Disclaimer
- Format: Online form generates text ready to copy/paste
- Support: Free updates, email & telephone support
- Last Updated: 1 July 2025
- Drafted & Reviewed: Jeremy Climie, Vanessa Emilio
Australian-Specific Provisions
- Australia-wide: Covers NSW, VIC, QLD, WA, SA, TAS, ACT, NT
- ACL Requirements: Meets Australian Consumer Law
- Privacy Act: Meets Australian Privacy Principles (APPs)
- Copyright Act: Protects your content and intellectual property
- Spam Act: Covers email marketing regulations
- Banking Standards: Pre-approved T&Cs for merchant account applications
Alternative Names
- Website Terms and Conditions
- Website Terms of Service
- Website Terms of Use
- Website Privacy Policy
- Website Privacy Notice
- Website Privacy Statement
- Website Disclaimer
- Website Waiver
- Website Liability Disclaimer
Special Terms & Conditions For
- Classifieds websites
- Consulting websites
- Copywriting websites
- Dietary / Sports Supplements websites
- Ecommerce / Goods & Services websites
- Education / Life Coaching websites
- Financial Broker websites
- Fitness / Exercise websites
- Food / Catering websites
- Graphic Design websites
- Home Design / Renovation websites
- Photography websites
- Tradie websites, and
- Web Development websites
Not Suitable For
- International websites (non-Australian)
- Mobile apps (use our App Legal Package instead)
Further Information
- What Legals Do I Need for My Website?
- What Legals Do I Need for My Ecommerce Business?
- What Legals Do I Need for My Landing Pages?
- Can Terms and Conditions Be Worldwide or Global?
- Disclaimer or Terms & Conditions: Which Is Better?
- Do I Need a Website Disclaimer for My Website?
- Does My Business Comply With Australian Consumer Law?
- When Is a Customer Not Entitled to a Refund?
Legal Requirements for Australian Online Businesses
Australian online businesses need three essential website legal documents to operate legally and protect themselves: a Privacy Policy, Website Disclaimer, and Terms & Conditions. Together, these documents ensure regulatory compliance, enable merchant account approval, and establish legal boundaries that protect your business from liability.
What Legal Documents Does Your Website Need?
Australian online businesses need three essential legal documents:
- Privacy Policy – Required under the Privacy Act 1988 if you collect customer information (even just email addresses through a contact form)
- Terms & Conditions – Required by Australian Consumer Law if you sell products or services, outlining refunds, delivery, and consumer guarantees
- Website Disclaimer – Limits your liability for published content and protects your intellectual property
These aren’t optional – they’re legal requirements. The ACCC actively checks websites for compliance and issues penalties up to $50,000 for businesses without proper legal notices. Beyond avoiding fines, proper website legal documents build customer trust and enable critical business functions, such as accepting credit card payments.
Merchant Account & Bank Approval Requirements
Major Australian banks and credit card processors (Stripe, PayPal, Commonwealth Bank, NAB, Westpac, ANZ) require approved Terms & Conditions before granting merchant accounts. Generic templates from free generators are routinely rejected because they lack the specific clauses banks need for compliance verification.
When your merchant account application gets rejected, you lose weeks resubmitting corrected documents while potential customers abandon purchases. Many online businesses discover this problem only after launching!
Bank-approved Terms and Conditions templates eliminate this bottleneck. Pre-verified website legal documents get you approved within 24-48 hours, instead of weeks, so you can start accepting payments immediately.
ACCC Compliance for Online Sellers
The Australian Consumer Law sets strict requirements for online businesses. If you sell goods or services, you must clearly display Terms & Conditions covering refunds, delivery timeframes, warranties, and consumer guarantees. The ACCC particularly scrutinises ecommerce sites, with compliance becoming a priority enforcement area.
Free templates typically fail to meet ACCC requirements because they’re written for US law or for generic international use. They miss crucial Australian-specific clauses, such as mandatory consumer guarantees, ACL-compliant refund policies, and proper warranty disclosures. Using non-compliant documents exposes you to both regulatory penalties and customer disputes you can’t defend.
Industry-specific complications compound the problem. A photography business has different legal obligations than a supplement retailer or consulting firm. Generic templates can’t address these nuances, leaving coverage gaps that become expensive problems during disputes.
Privacy Policy Requirements
Australian Privacy Law requires a Privacy Policy if you collect personal information – and “personal information” is broadly defined. Email addresses, names, phone numbers, purchase history, IP addresses, and cookie data all trigger privacy obligations. Most online businesses collect multiple types of personal data without realising the extent of their obligations.
Your Privacy Policy must explain:
- What information you collect and how you collect it
- How the information is used and for what purposes
- Where it’s stored and who has access to it
- How customers can request access or deletion
- How long data is retained before deletion
The 13 Australian Privacy Principles (APPs) provide the framework, with penalties of up to $2.22 million for serious breaches.
Cross-border complications arise when you use international tools like Google Analytics, Mailchimp, or cloud hosting. Your Privacy Policy must disclose overseas data transfers and the protections in place. If you market to UK or EU customers, additional GDPR compliance requirements apply.
Terms & Conditions Requirements
Terms & Conditions serve dual purposes: ACCC compliance and merchant account approval. They must state your refund policy, delivery timeframes, warranty obligations, and how you handle disputes. Australian Consumer Law prohibits contracting out of consumer guarantees, so your Terms must acknowledge these mandatory protections.
For digital products, specific clauses address limitations on consumption-based refunds. Physical goods require shipping terms, delivery responsibilities, and procedures for damaged goods. Service-based businesses need engagement terms, cancellation policies, and scope limitations.
Payment processors scrutinise these clauses carefully. Ambiguous refund terms or missing consumer guarantee acknowledgments trigger automatic rejections. Your Terms must balance legal compliance, payment processor requirements, and business protection – a difficult balance free templates rarely achieve.
Website Disclaimer Requirements
Website Disclaimers limit your liability for published content while protecting your intellectual property. If you publish advice, recommendations, industry insights, or educational content, you need clear disclaimers stating that this information doesn’t constitute specific professional advice for the reader’s situation.
Copyright protection clauses establish ownership of your content, preventing unauthorised reproduction or commercial use. This becomes crucial for online course creators, consultants, and content-driven businesses where intellectual property represents primary business value.
Liability limitations protect you when visitors rely on general information from blog posts, resources, or free tools. While you can’t exclude liability for paid services, you can limit exposure from free content consumption. The Disclaimer also addresses third-party links, user-generated content, and limitations on the timeliness of information.
Where to Put Your Website Legal Documents
Legal documents must be properly implemented to be enforceable:
- Footer Links: Create separate pages for your Privacy Policy, Website Disclaimer, and Terms & Conditions. Link to all three from your website footer on every page – this is required for legal enforceability.
- Checkout Checkbox: Add “I agree to the Terms & Conditions” with a clickable link. This ensures customers actively accept your terms before purchasing.
- Contact Forms: Include “By submitting, you agree to our Privacy Policy” with a link.
- Cookie Popup: Consider displaying a cookie consent pop-up when visitors first arrive if you use tracking tools (Google Analytics, Facebook Pixel, etc.).
- Email Disclaimer: Include your Email Disclaimer in business email signatures.
These implementation details transform static documents into active legal protections.
Frequently Asked Questions
Why should I pay for this when I can use a free template?
Free templates have three fatal flaws: they won’t get bank approval for merchant accounts, they’re not ACL-compliant, and they never update when laws change.
Our Terms and Conditions template is pre-approved by all major Australian banks (Stripe, PayPal, Big 4). They include the clauses required by Australian Consumer Law. And when the law changes, we send you updated templates free, forever.
What happens if I don’t have proper Terms & Conditions on my website?
Three major risks:
Merchant Account Rejection: Banks won’t approve you without proper T&Cs. No credit card processing = no online sales.
ACCC Penalties: Selling online without compliant T&Cs breaches Australian Consumer Law. Fines up to $50,000.
No Legal Protection: Customers can claim refunds after consuming products, win chargeback disputes, or sue you. You have no legal defence.
How long does it take to set up?
About 5 minutes.
Log in to your Legal123 dashboard, answer 7 basic questions (business name, ABN, address, contact details), then select your business type from 14 options.
You instantly get your Privacy Policy, Website Disclaimer, and Terms & Conditions. Copy and paste into your website, or email to your web designer.
Done. No lawyer appointments, no waiting weeks.
Where do I put these documents on my website?
Footer Links: Create three separate pages (Privacy Policy, Disclaimer, Terms & Conditions) – link to all three in your website footer on every page.
Checkout: Add a checkbox: “I agree to the Terms & Conditions” with a clickable link. Ensures customers accept terms before purchasing.
Contact Forms: Include: “By submitting, you agree to our Privacy Policy” with a link.
Email Signature: Add the Email Disclaimer to your business email signatures.
Cookie Popup: Use the Cookie Consent Notice in a website popup (required if you use cookies).
Can I modify the templates?
Our website legal documents are comprehensive and cover most situations. If you modify core clauses, you risk compromising your protection. Our instructions (video + written) show exactly what’s safe to modify and what protects you.
What if Australian law changes?
You get free lifetime updates. We update all templates when laws change and we notify you by email. No annual fees, no subscription traps. Australian Privacy laws changed twice last year – all our users got updated templates free.
Are these enforceable if something goes wrong?
Yes. All our legal agreements and notices are drafted by Australian lawyers, comply with current Australian laws, are legally binding and ensure your business is legally protected.
In addition, all our templates are updated when Australian law changes – so you can be sure you’re using up-to-date, legally valid notices.
Can I use this on multiple websites?
No. Licensed for single use on one website only. If you operate multiple websites, purchase a separate package for each.
If you’re a Website Developer or Designer, you can earn a commission for referring your clients to use our Website Legal Package. Use this link to join our Affiliate Program.
Is this a one-time cost or a subscription?
One-time $199. Free updates, no hidden fees, no annual renewals, no per-use charges.
What if my business needs special compliance?
The package covers 14 common business categories, but some situations need additional documents:
Health/Medical Products: The package includes Fitness, Exercise, Diet, and Supplements options. But TGA-regulated products or medical advice also need stronger disclaimers.
UK/EU Customers: If you market to UK or EU customers you also need to comply with GDPR legislation. We have GDPR Privacy Policy Clauses as a separate add-on.
Financial Services: You might need custom documents for ASIC-specific compliance. Contact us and we’ll help you.
For any other specialised compliance needs, contact us.
What if I’m not satisfied with the template?
At Legal123, we take great pride in providing high-quality legal documents for online businesses that are simple, effective, and easy to use. We guarantee that our legal documents are legally sound for the circumstances described in the product details.
If you have any questions about whether this template is right for you, we encourage you to contact us before purchasing. While we do not provide refunds for change-of-mind or incorrect purchases, we will happily assist with any product suitability concerns.
In the rare event of a technical issue preventing you from using the template, we will issue a full refund if we are unable to resolve it. Your satisfaction is important to us, and we are here to support you every step of the way.
Please find out more details about our guarantee here.
Website Legal Package $199 +GST
Are you a Website Designer or Developer? Our templates are for single/personal use only. If you would like to earn a commission for referring your clients to use our Website Legal Package on their own websites, then why not join our Affiliate Program.