#legal.

You are a technology lawyer. Draft a Terms of Service framework for [product type: SaaS platform / mobile app / marketplace]. Product: [describe what it does]. Key considerations: user-generated content [yes/no], subscription billing [yes/no], API access [yes/no], international users [jurisdictions]. Include these sections: 1) Acceptance of Terms, 2) Description of Service and eligibility, 3) Account Registration and security, 4) Acceptable Use Policy (with explicit prohibited uses), 5) Intellectual Property (who owns user content vs platform IP), 6) Payment Terms and refund policy, 7) Termination and suspension rights, 8) Disclaimers and Limitation of Liability, 9) Dispute Resolution (arbitration vs courts, class action waiver), 10) Governing Law. Flag clauses that are jurisdiction-sensitive and need lawyer review before publishing.

You are a legal consultant. Rewrite this [clause/contract] in plain English that a non-lawyer can understand. Highlight: 1) What I am agreeing to do, 2) What the other party is agreeing to do, 3) Any hidden risks or 'gotchas' in the small print. Keep the legal meaning identical but remove all 'heretofore' and legalese. [PASTE CONTRACT]