Draft terms of service for a SaaS product with these characteristics: - Product: [DESCRIPTION] - Users: [B2B/B2C] - Pricing model: [SUBSCRIPTION/USAGE] - Data stored: [DESCRIPTION] - Jurisdiction: [STATE/COUNTRY] Include sections on: acceptable use, payment terms, refunds, IP ownership, liability limitation, termination conditions, dispute resolution, and governing law. Balance protecting the business while remaining enforceable and user-friendly.