Terms and Conditions is a legally binding agreement between an organization (website owner, service provider) and the user who accesses or uses its website, product, or service. It sets out the rules, rights, and responsibilities for both parties.

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In essence, it acts as a contract that outlines:

• Acceptance of Terms: How the user agrees to the terms (e.g., by clicking "I agree," or by simply using the service).

• User Responsibilities: What the user is allowed or not allowed to do while using the service (e.g., prohibited activities, intellectual property rights regarding user-generated content).

• Service Provider's Responsibilities: What the service provider commits to offering and any limitations to their liability.

• Intellectual Property: Who owns the content, trademarks, and other intellectual property on the site or within the service.

• Payment & Billing: If applicable, details on pricing, payment methods, refunds, and subscription terms.

• Account Termination: Conditions under which user accounts can be suspended or terminated.

• Dispute Resolution: How legal disputes will be handled (e.g., governing law, arbitration clauses).

• Disclaimer of Warranties: Limitations on guarantees regarding the service's functionality or accuracy.

• Limitation of Liability: The extent to which the organization can be held responsible for damages or losses.

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Unlike a Privacy Policy which focuses on data handling, the Terms and Conditions govern the relationship and rules of engagement for using the service itself. While not always legally mandatory for all websites to display, having comprehensive T&Cs is crucial for protecting the business legally and managing user expectations, especially when offering services, selling products, or handling user-generated content.