# ⚠️ DELETE THIS SECTION BEFORE PUBLISHING

**DISCLAIMER:**  
This Terms & Conditions template is provided as a courtesy for clients of Mermaid Creative Co.  
It is **not drafted or reviewed by a lawyer** and is intended as a **placeholder only**.  
You should seek legal review before using this document publicly.  

**Why this page matters:**  
A Terms & Conditions page protects your business by defining the rules visitors agree to when using your website.  
It can include copyright ownership, limitations of liability, refund policies, and dispute procedures.  
If you do business in **California**, you should be aware that state consumer protection laws are stricter than in many other states, particularly regarding warranties, refunds, and privacy obligations.

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Terms & Conditions

Last updated: [Month, Year] 
(Example: January 2025)

1. Overview

Welcome to **[Your Business Name]** (e.g., “Mermaid Creative Co”).  
These Terms & Conditions (“Terms”) govern your use of our website **[Your Website URL]** (e.g., www.yourbusiness.com).  
By accessing or using our site, you agree to these Terms. If you do not agree, please discontinue use immediately.

2. Intellectual Property

All content, text, images, and designs on this website are the property of **[Your Business Name]** unless otherwise noted.  
You may not copy, reproduce, or distribute any materials without express written permission.  

3. Use of the Website

You agree to use this site for lawful purposes only.  
You may not:  
- Post or transmit harmful, illegal, or abusive content.  
- Attempt to hack or disrupt site functionality.  
- Reuse or republish site content for commercial purposes without permission.  

4. Services and Products

All services and products are described as accurately as possible.  
However, **[Your Business Name]** does not guarantee that all information, pricing, or availability is error-free.  
We reserve the right to change or discontinue any service at any time.  

5. Payments and Refunds (if applicable)

If your business accepts payments through the site:  
Include clear terms, such as:  
> “All sales are final unless otherwise stated in writing.”  
> “Refund requests must be submitted to [Your Email Address].”  

Example:  
All payments for digital design services are non-refundable once work has begun.

6. Limitation of Liability

To the fullest extent permitted by law, **[Your Business Name]** is not liable for any damages arising from your use of this website or services.  

7. Governing Law

These Terms are governed by the laws of **[Your State or Country]** (e.g., “the State of Hawaii, United States”).  
If you operate in multiple states, include a clause clarifying where disputes will be handled.  

8. Updates to These Terms

We may modify these Terms at any time without prior notice. Updates will be reflected on this page with a new “Last updated” date.  

9. Contact Us

If you have any questions about these Terms, please contact:  
📧 [Your Contact Email] (e.g., hello@yourbusiness.com)