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Terms & Conditions Generator for games

Written for player accounts, in-game purchases, chat moderation and the fact that a lot of players are children.

Generate your terms and conditions Read the terms and conditions guide

Game terms are about entitlements more than services. Players spend real money on virtual items, and the clauses that matter are the ones explaining what they actually own and what happens when a server shuts down.

Games have the demographic problem no other consumer software shares at the same scale: a substantial share of players are children, and the ones who are not usually cannot be distinguished from the ones who are without asking. That single fact drives COPPA, the UK Age Appropriate Design Code, and the restrictions on advertising to minors.

The data itself is broader than most teams expect. Device identifiers, play sessions, purchase history, chat logs, voice communications, matchmaking telemetry and anti-cheat data - the last two of which collect at a depth that would be alarming in any other product category.

Monetisation adds regulatory attention. Loot boxes, virtual currency and in-app purchases are under active scrutiny across several jurisdictions, and disclosure requirements around odds, pricing and consumer rights are tightening.

What a terms and conditions for a game or gaming platform has to cover

Account ownership, and that virtual items are licensed rather than owned
Virtual currency: purchase, expiry, refunds and what happens on account closure
Loot box and chance-based mechanics, with odds disclosure
Conduct rules, suspension and ban grounds, with an appeals route
Service changes and sunset: notice, and treatment of unspent balances

How a game or gaming platform actually moves personal data

Player accounts and progression

Identity, progress, inventory and achievements, usually linked to a platform account as well as your own.

Chat and voice communications

Text and voice retained for moderation, sometimes transcribed and analysed automatically.

Anti-cheat telemetry

Process lists, driver information and behavioural signals collected from the player’s machine at a depth that requires clear disclosure.

Matchmaking and behavioural scoring

Skill and behaviour ratings that determine who a player is matched with, which is profiling.

In-game purchases and virtual currency

Purchase history and balances, often through a platform holder rather than directly.

Advertising and attribution SDKs

In free-to-play titles especially, with restrictions where players may be children.

Third parties the draft will ask you about

Steam, PlayStation Network or Xbox Live · Unity or Unreal services · Easy Anti-Cheat or BattlEye · Vivox or Discord · AppsFlyer · AWS or Google Cloud · Stripe or platform billing

The rules that apply

Children’s privacy regimes

COPPA for under-13s in the US, the Age Appropriate Design Code in the UK, and digital age of consent rules across the EU - each with a different threshold.

Anti-cheat data collection

Kernel-level and behavioural anti-cheat collects deeply from the player’s device, which needs unusually specific disclosure.

Chat and voice moderation

Recording, retaining and analysing player communications for safety, which is processing with its own basis and retention.

Virtual currency and loot boxes

Disclosure requirements on odds and pricing, with several jurisdictions restricting or banning specific mechanics.

Platform holder requirements

Console and store certification imposes its own privacy and safety requirements beyond the law.

What the generated terms and conditions contains

Who the contract is with and how it is formed
Your legal entity, and the exact moment acceptance happens - account creation, checkout, or continued use.
The service, the licence and its limits
What you are actually providing, what the user may do with it, and what they may not.
Price, payment, renewal and cancellation
Billing cycle, auto-renewal, price-change notice, and how either side ends the arrangement.
Acceptable use and enforcement
The behaviour that gets an account suspended, and the process you follow before you suspend it.
User content and intellectual property
Who owns what, the licence you need to run the service, and the takedown route for infringing material.
Warranties, liability and indemnity
Disclaimers that survive local consumer law, and caps that are actually enforceable rather than theatrically broad.
Governing law, jurisdiction and disputes
The law that applies, the courts that hear it, and any pre-litigation steps you require.

Games compliance essentials

Build a market-aware age gate
The threshold differs by jurisdiction, and a single number is wrong somewhere.
Write anti-cheat its own disclosure
What it reads, when it runs, and what leaves the machine.
Set chat and voice retention
Long enough for moderation and appeals, no longer.
Disable behavioural advertising for under-age accounts
And describe how age status is determined.
Publish loot box odds where mechanics involve chance
And keep the disclosure with the purchase, not buried.
Apply high-privacy defaults for child accounts
Including visibility, communications and data sharing.

Where this usually goes wrong

No age gate in a game children obviously play

The regulator’s test is whether the service is likely to be accessed by children, not whether you intended it.

Anti-cheat described in one vague line

It collects more deeply than anything else in the product and deserves a paragraph of its own.

Chat logs retained indefinitely

Moderation is a valid purpose with a finite useful life.

Behavioural advertising to under-age players

Restricted or prohibited under COPPA, the design code and several other regimes.

Loot box odds undisclosed

Increasingly a legal requirement rather than a platform courtesy.

High-privacy defaults not applied

The design code expects them for children, and defaults are the first thing tested.

Frequently asked questions

Does my game need an age gate?

If it is likely to be accessed by children, yes - and that is the regulator’s test rather than your intended audience. Thresholds differ by market, so a single global number will be wrong somewhere.

How should I disclose anti-cheat?

In its own section, describing what it reads from the device, when it runs, what leaves the machine and how long it is kept. It is the deepest collection in most games and a one-line mention is not adequate.

Can I show ads in a free-to-play game?

Contextual advertising generally yes; behavioural advertising to players who may be children is restricted or prohibited under COPPA, the Age Appropriate Design Code and other regimes.

Do I have to publish loot box odds?

In a growing number of jurisdictions and on several platforms, yes. Even where not strictly required, undisclosed odds attract consumer protection attention.

Are terms and conditions legally binding?

They are when the user had a genuine opportunity to read them and took a positive step to accept. Clickwrap - a ticked box next to a visible link - holds up far more reliably than a "by using this site you agree" line in the footer.

What is the difference between terms of service and terms and conditions?

Nothing substantive. "Terms and conditions" is the more common phrasing in the UK and Commonwealth markets, "terms of service" in the US and in SaaS. The clauses do the same job.

Can I limit my liability to zero?

No. Most consumer regimes void attempts to exclude liability for death, personal injury or fraud, and unfair-terms rules strike out caps a court considers unreasonable. A cap that is drafted to survive review is worth more than one that is struck out entirely.

Do I need terms if I sell nothing?

If users can register, post, comment or upload, yes - the terms are what let you moderate, suspend and remove content without being in breach of contract yourself.