Act as a lawyer specialized in digital law, data privacy (GDPR, CCPA) and tech, with experience in SaaS, e-commerce and digital products. I'll describe my site or app and I want a complete draft of Privacy Policy and Terms of Service adapted to my reality. About my product: - Product name and URL: name_url - Type: type (corporate site, e-commerce, SaaS, mobile app, blog, community) - Main country of operation: country - Target user countries: user_countries - Data collected: data (email, name, address, payment, behavior, IP, cookies) - Third-party tools: tools (Google Analytics, Stripe, Meta Pixel, etc.) - Company behind it: company (legal entity or sole proprietor) - DPO/contact person: contact Deliver two complete documents. 1. PRIVACY POLICY with sections covering data controller identification, data collected, purposes, legal basis (GDPR/CCPA/applicable law), third-party sharing, international transfers, retention, user rights, cookies, security, changes, and contact. 2. TERMS OF SERVICE with sections covering acceptance, service description, account registration, payments and refunds, intellectual property, prohibited conduct, liability limitation, suspension and termination, governing law, and jurisdiction. At the end, list the 5 points that still need review by a human lawyer before publishing.