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.