Act as a lawyer specializing in digital law and data protection. Draft complete and legally sound terms of service for a website or application. Project details: - Website/app name: name - Platform type: e.g., e-commerce, SaaS, social network, marketplace, membership blog - Target audience: e.g., US consumers, B2B companies, international - Main features: e.g., user registration, payments, content upload, chat - Data collected: e.g., name, email, SSN, location, cookies, payment data - Country of operation: e.g., US, US + international - Monetization model: e.g., subscription, freemium, ads, direct sales The terms of service must include: 1. Definitions and glossary of technical terms 2. Access and registration conditions (minimum age, requirements) 3. User rights and obligations 4. Platform rights and obligations 5. Intellectual property (platform content and user-generated content) 6. Acceptable use policy (prohibited activities) 7. Limitation of liability 8. Procedure for reports and content removal 9. Account suspension and termination conditions 10. Changes to terms (how and when users will be notified) 11. Governing law and jurisdiction Write in legal language accessible to the general public. Highlight with [TO BE FILLED] any fields needing specific data. Include a last-updated date in the header.