Free Privacy Policy & Terms of Service Generator

Generate professional, legally compliant privacy policies and terms of service for your website or app. GDPR, CCPA, and CalOPPA compliant. No signup required.

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Generate Privacy Policy

GDPR, CCPA, CalOPPA & COPPA compliant. Covers data collection, cookies, user rights, and third-party services.

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Generate Terms of Service

Comprehensive ToS covering user accounts, payments, content, liability, dispute resolution, and acceptable use.

Your Generated Document



  
  

    
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Preview is free! Purchase to copy, download, or get white-label versions without PolicyForge branding.

    

      

        
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Privacy + ToS Bundle

        
$4.99

        
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  • Privacy Policy download
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  • Terms of Service download
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  • Both documents included
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Automated cookie consent solution. Scans your website for cookies and generates compliant consent banners. GDPR, CCPA, and ePrivacy ready.

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Why Every Website Needs a Privacy Policy in 2026

  
A privacy policy is a mandatory legal requirement for any website or application that collects personal data from visitors. Whether you gather email addresses through a newsletter, track behavior with analytics, or process payments, you must disclose how you handle that data.

  
Major regulations including GDPR in Europe and CCPA in California carry severe penalties for non-compliance. GDPR fines can reach up to 4% of global annual revenue or 20 million euros. CCPA violations can result in fines of $7,500 per intentional violation.


  
Understanding GDPR Compliance

  
The General Data Protection Regulation applies to any organization that processes personal data of EU residents. Your privacy policy must state what data you collect and why, the legal basis for processing (consent, contract, legitimate interest), data subject rights including access, rectification, erasure, portability, and objection, DPO contact information, and international transfer mechanisms.


  
CCPA and California Privacy Rights

  
The California Consumer Privacy Act grants California residents the right to know what data is collected, the right to delete personal information, the right to opt out of data sales, and the right to non-discrimination. Our generator includes all required CCPA disclosures including the "Do Not Sell My Personal Information" language.


  
CalOPPA Requirements

  
The California Online Privacy Protection Act requires any commercial website that collects personal information from California consumers to conspicuously post a privacy policy. The policy must identify the categories of information collected and the third parties with whom it may be shared. CalOPPA also requires you to describe your response to Do Not Track signals.


  
Terms of Service: Protecting Your Business

  
While a privacy policy focuses on data handling, terms of service define the rules for using your website or app. A comprehensive ToS covers acceptable use policies, intellectual property rights, user-generated content, dispute resolution, limitation of liability, and warranty disclaimers. Both documents work together to protect your business and your users.


  
Cookie Consent and the ePrivacy Directive

  
Under the ePrivacy Directive, you must obtain informed consent before placing non-essential cookies. This requires a cookie banner that allows users to accept or reject different cookie categories. Analytics, marketing, and third-party cookies all require consent. We recommend using dedicated cookie consent tools like CookieBot or OneTrust for full compliance.


















,'')+'" target="_blank" onclick="if(typeof gtag!==\'undefined\')gtag(\'event\',\'purchase\',{value:'+parseFloat(svc.min.replace('\n';

  var blob = new Blob([fullHTML], { type: 'text/html' });
  var a = document.createElement('a');
  a.href = URL.createObjectURL(blob);
  a.download = (currentGenerator === 'privacy' ? 'privacy-policy' : 'terms-of-service') + '.html';
  a.click();
  URL.revokeObjectURL(a.href);
  showToast('Document downloaded');
}

function hostPolicy() {
  if (!generatedHTML) { showToast('No document generated'); return; }
  var modal = document.getElementById('hostModal');
  modal.style.display = 'flex';
  document.getElementById('hostedUrl').textContent = 'Generating hosted URL...';

  fetch('/api/host', {
    method: 'POST',
    headers: { 'Content-Type': 'application/json' },
    body: JSON.stringify(wizardData)
  })
  .then(function(r) { return r.json(); })
  .then(function(res) {
    document.getElementById('hostedUrl').textContent = res.url;
  })
  .catch(function() {
    document.getElementById('hostedUrl').textContent = 'Error generating hosted URL. Please try again.';
  });
}

function copyHostedUrl() {
  var url = document.getElementById('hostedUrl').textContent;
  if (url.indexOf('http') === 0) {
    navigator.clipboard.writeText(url);
    showToast('URL copied to clipboard');
  }
}

function startOver() {
  document.getElementById('outputPanel').style.display = 'none';
  document.getElementById('wizardContainer').style.display = '';
  currentStep = 0;
  wizardData = {};
  generatedHTML = '';
  generatedText = '';
  renderWizard();
  window.scrollTo({ top: 0, behavior: 'smooth' });
}

function showToast(msg) {
  var t = document.getElementById('toast');
  t.textContent = msg;
  t.classList.add('show');
  setTimeout(function() { t.classList.remove('show'); }, 2500);
}

// Init
selectGenerator('privacy');

// Init ads
try { (adsbygoogle = window.adsbygoogle || []).push({}); } catch(e) {}
try { (adsbygoogle = window.adsbygoogle || []).push({}); } catch(e) {}
try { (adsbygoogle = window.adsbygoogle || []).push({}); } catch(e) {}



,''))+',currency:\'USD\',item_name:\''+svc.name+'\'})" style="display:inline-flex;align-items:center;gap:8px;padding:14px 28px;background:white;color:#059669;text-decoration:none;border-radius:10px;font-weight:700;font-size:15px;transition:transform .2s" onmouseover="this.style.transform=\'translateY(-2px)\'" onmouseout="this.style.transform=\'\'">\u2705 Get Full Service \u2014 '+svc.min+''
    +'
Secure payment via PayPal \u2022 Delivered within 24 hours
'
    +'';
  // Insert before the pro-upgrade banner or before related tools
  var target=document.getElementById('pro-upgrade')||document.querySelector('[class*="related-tools"],.related-tools');
  if(target)target.before(box);
  else{var main=document.querySelector('main,.container,.content');if(main)main.appendChild(box);}
})();









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Start by tracking your spending, building an emergency fund with 3–6 months of expenses, and paying down high-interest debt. Use our budget tracker and debt payoff calculator to create a clear plan.





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What is the best way to start investing?+

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How much should I save for emergencies?+

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+Number(v).toLocaleString()}},
    {keys:['age'],ft:'ft_age',label:'Age',fmt:function(v){return v}},
    {keys:['state'],ft:'ft_state',label:'State',fmt:function(v){return v}},
    {keys:['filing_status','filingstatus','filing-status'],ft:'ft_filing',label:'Filing',fmt:function(v){return v}},
    {keys:['home_price','house_price','homeprice','houseprice','home-price','house-price'],ft:'ft_home_price',label:'Home',fmt:function(v){return '\n';

  var blob = new Blob([fullHTML], { type: 'text/html' });
  var a = document.createElement('a');
  a.href = URL.createObjectURL(blob);
  a.download = (currentGenerator === 'privacy' ? 'privacy-policy' : 'terms-of-service') + '.html';
  a.click();
  URL.revokeObjectURL(a.href);
  showToast('Document downloaded');
}

function hostPolicy() {
  if (!generatedHTML) { showToast('No document generated'); return; }
  var modal = document.getElementById('hostModal');
  modal.style.display = 'flex';
  document.getElementById('hostedUrl').textContent = 'Generating hosted URL...';

  fetch('/api/host', {
    method: 'POST',
    headers: { 'Content-Type': 'application/json' },
    body: JSON.stringify(wizardData)
  })
  .then(function(r) { return r.json(); })
  .then(function(res) {
    document.getElementById('hostedUrl').textContent = res.url;
  })
  .catch(function() {
    document.getElementById('hostedUrl').textContent = 'Error generating hosted URL. Please try again.';
  });
}

function copyHostedUrl() {
  var url = document.getElementById('hostedUrl').textContent;
  if (url.indexOf('http') === 0) {
    navigator.clipboard.writeText(url);
    showToast('URL copied to clipboard');
  }
}

function startOver() {
  document.getElementById('outputPanel').style.display = 'none';
  document.getElementById('wizardContainer').style.display = '';
  currentStep = 0;
  wizardData = {};
  generatedHTML = '';
  generatedText = '';
  renderWizard();
  window.scrollTo({ top: 0, behavior: 'smooth' });
}

function showToast(msg) {
  var t = document.getElementById('toast');
  t.textContent = msg;
  t.classList.add('show');
  setTimeout(function() { t.classList.remove('show'); }, 2500);
}

// Init
selectGenerator('privacy');

// Init ads
try { (adsbygoogle = window.adsbygoogle || []).push({}); } catch(e) {}
try { (adsbygoogle = window.adsbygoogle || []).push({}); } catch(e) {}
try { (adsbygoogle = window.adsbygoogle || []).push({}); } catch(e) {}



+Number(v).toLocaleString()}},
    {keys:['down_payment','downpayment','down-payment'],ft:'ft_down_payment',label:'Down Pmt',fmt:function(v){return '\n';

  var blob = new Blob([fullHTML], { type: 'text/html' });
  var a = document.createElement('a');
  a.href = URL.createObjectURL(blob);
  a.download = (currentGenerator === 'privacy' ? 'privacy-policy' : 'terms-of-service') + '.html';
  a.click();
  URL.revokeObjectURL(a.href);
  showToast('Document downloaded');
}

function hostPolicy() {
  if (!generatedHTML) { showToast('No document generated'); return; }
  var modal = document.getElementById('hostModal');
  modal.style.display = 'flex';
  document.getElementById('hostedUrl').textContent = 'Generating hosted URL...';

  fetch('/api/host', {
    method: 'POST',
    headers: { 'Content-Type': 'application/json' },
    body: JSON.stringify(wizardData)
  })
  .then(function(r) { return r.json(); })
  .then(function(res) {
    document.getElementById('hostedUrl').textContent = res.url;
  })
  .catch(function() {
    document.getElementById('hostedUrl').textContent = 'Error generating hosted URL. Please try again.';
  });
}

function copyHostedUrl() {
  var url = document.getElementById('hostedUrl').textContent;
  if (url.indexOf('http') === 0) {
    navigator.clipboard.writeText(url);
    showToast('URL copied to clipboard');
  }
}

function startOver() {
  document.getElementById('outputPanel').style.display = 'none';
  document.getElementById('wizardContainer').style.display = '';
  currentStep = 0;
  wizardData = {};
  generatedHTML = '';
  generatedText = '';
  renderWizard();
  window.scrollTo({ top: 0, behavior: 'smooth' });
}

function showToast(msg) {
  var t = document.getElementById('toast');
  t.textContent = msg;
  t.classList.add('show');
  setTimeout(function() { t.classList.remove('show'); }, 2500);
}

// Init
selectGenerator('privacy');

// Init ads
try { (adsbygoogle = window.adsbygoogle || []).push({}); } catch(e) {}
try { (adsbygoogle = window.adsbygoogle || []).push({}); } catch(e) {}
try { (adsbygoogle = window.adsbygoogle || []).push({}); } catch(e) {}



+Number(v).toLocaleString()}},
    {keys:['loan_amount','loanamount','loan-amount','debt'],ft:'ft_debt',label:'Debt',fmt:function(v){return '\n';

  var blob = new Blob([fullHTML], { type: 'text/html' });
  var a = document.createElement('a');
  a.href = URL.createObjectURL(blob);
  a.download = (currentGenerator === 'privacy' ? 'privacy-policy' : 'terms-of-service') + '.html';
  a.click();
  URL.revokeObjectURL(a.href);
  showToast('Document downloaded');
}

function hostPolicy() {
  if (!generatedHTML) { showToast('No document generated'); return; }
  var modal = document.getElementById('hostModal');
  modal.style.display = 'flex';
  document.getElementById('hostedUrl').textContent = 'Generating hosted URL...';

  fetch('/api/host', {
    method: 'POST',
    headers: { 'Content-Type': 'application/json' },
    body: JSON.stringify(wizardData)
  })
  .then(function(r) { return r.json(); })
  .then(function(res) {
    document.getElementById('hostedUrl').textContent = res.url;
  })
  .catch(function() {
    document.getElementById('hostedUrl').textContent = 'Error generating hosted URL. Please try again.';
  });
}

function copyHostedUrl() {
  var url = document.getElementById('hostedUrl').textContent;
  if (url.indexOf('http') === 0) {
    navigator.clipboard.writeText(url);
    showToast('URL copied to clipboard');
  }
}

function startOver() {
  document.getElementById('outputPanel').style.display = 'none';
  document.getElementById('wizardContainer').style.display = '';
  currentStep = 0;
  wizardData = {};
  generatedHTML = '';
  generatedText = '';
  renderWizard();
  window.scrollTo({ top: 0, behavior: 'smooth' });
}

function showToast(msg) {
  var t = document.getElementById('toast');
  t.textContent = msg;
  t.classList.add('show');
  setTimeout(function() { t.classList.remove('show'); }, 2500);
}

// Init
selectGenerator('privacy');

// Init ads
try { (adsbygoogle = window.adsbygoogle || []).push({}); } catch(e) {}
try { (adsbygoogle = window.adsbygoogle || []).push({}); } catch(e) {}
try { (adsbygoogle = window.adsbygoogle || []).push({}); } catch(e) {}



+Number(v).toLocaleString()}},
    {keys:['credit_score','creditscore','credit-score'],ft:'ft_credit_score',label:'Credit',fmt:function(v){return v}},
    {keys:['savings','retirement'],ft:'ft_savings',label:'Savings',fmt:function(v){return '\n';

  var blob = new Blob([fullHTML], { type: 'text/html' });
  var a = document.createElement('a');
  a.href = URL.createObjectURL(blob);
  a.download = (currentGenerator === 'privacy' ? 'privacy-policy' : 'terms-of-service') + '.html';
  a.click();
  URL.revokeObjectURL(a.href);
  showToast('Document downloaded');
}

function hostPolicy() {
  if (!generatedHTML) { showToast('No document generated'); return; }
  var modal = document.getElementById('hostModal');
  modal.style.display = 'flex';
  document.getElementById('hostedUrl').textContent = 'Generating hosted URL...';

  fetch('/api/host', {
    method: 'POST',
    headers: { 'Content-Type': 'application/json' },
    body: JSON.stringify(wizardData)
  })
  .then(function(r) { return r.json(); })
  .then(function(res) {
    document.getElementById('hostedUrl').textContent = res.url;
  })
  .catch(function() {
    document.getElementById('hostedUrl').textContent = 'Error generating hosted URL. Please try again.';
  });
}

function copyHostedUrl() {
  var url = document.getElementById('hostedUrl').textContent;
  if (url.indexOf('http') === 0) {
    navigator.clipboard.writeText(url);
    showToast('URL copied to clipboard');
  }
}

function startOver() {
  document.getElementById('outputPanel').style.display = 'none';
  document.getElementById('wizardContainer').style.display = '';
  currentStep = 0;
  wizardData = {};
  generatedHTML = '';
  generatedText = '';
  renderWizard();
  window.scrollTo({ top: 0, behavior: 'smooth' });
}

function showToast(msg) {
  var t = document.getElementById('toast');
  t.textContent = msg;
  t.classList.add('show');
  setTimeout(function() { t.classList.remove('show'); }, 2500);
}

// Init
selectGenerator('privacy');

// Init ads
try { (adsbygoogle = window.adsbygoogle || []).push({}); } catch(e) {}
try { (adsbygoogle = window.adsbygoogle || []).push({}); } catch(e) {}
try { (adsbygoogle = window.adsbygoogle || []).push({}); } catch(e) {}



+Number(v).toLocaleString()}},
    {keys:['zip_code','zipcode','zip-code','zip'],ft:'ft_zip',label:'ZIP',fmt:function(v){return v}}
  ];
  function getProfile(){try{return JSON.parse(localStorage.getItem(FT_KEY))||{}}catch(e){return{}}}
  function saveProfile(p){localStorage.setItem(FT_KEY,JSON.stringify(p))}
  function getTools(){try{return JSON.parse(localStorage.getItem(TOOLS_KEY))||[]}catch(e){return[]}}
  function fuzzy(str){return(str||'').toLowerCase().replace(/[^a-z0-9]/g,'')}
  function matchField(el){
    var name=fuzzy(el.name||''),id=fuzzy(el.id||''),ph=fuzzy(el.placeholder||'');
    for(var i=0;i-1)||(id&&id.indexOf(k)>-1)||(ph&&ph.indexOf(k)>-1))return MAP[i];
      }
    }
    return null;
  }
  // Auto-fill on load
  function autoFill(){
    var p=getProfile();if(!Object.keys(p).length)return;
    var inputs=document.querySelectorAll('input,select');
    for(var i=0;i\ud83e\udde0 Your Financial Profile';
    document.body.appendChild(badge);
  }
  // Upsell after 3+ tools
  function maybeUpsell(count){
    if(count<3||sessionStorage.getItem('ft_upsell'))return;
    sessionStorage.setItem('ft_upsell','1');
    var el=document.createElement('div');
    el.style.cssText='position:fixed;top:20px;left:50%;transform:translateX(-50%);z-index:99998;background:linear-gradient(135deg,#1a1a2e,#2d1b69);color:#e0e0e0;padding:16px 24px;border-radius:12px;font-size:14px;box-shadow:0 4px 20px rgba(0,0,0,.4);font-family:-apple-system,sans-serif;max-width:480px;width:90%;text-align:center';
    el.innerHTML='
You\u2019ve used '+count+' tools \u2014 want a personalized financial summary?
Get Summary \u2014 $2.99
';
    document.body.appendChild(el);
    setTimeout(function(){if(el.parentNode)el.style.opacity='0';el.style.transition='opacity .5s';setTimeout(function(){if(el.parentNode)el.remove()},500)},15000);
  }
  // Init
  autoFill();
  renderBadge();
  // Listen for form submissions and input changes
  document.addEventListener('submit',function(){var c=capture();renderBadge();maybeUpsell(c);},true);
  document.addEventListener('change',function(e){if(e.target.matches&&e.target.matches('input,select')){var m=matchField(e.target);if(m&&e.target.value){var p=getProfile();p[m.ft]=e.target.value;saveProfile(p);renderBadge();}}},true);
  // Also capture on button clicks that might trigger calculations
  document.addEventListener('click',function(e){var btn=e.target.closest('button[type="submit"],button:not([type]),input[type="submit"],.calculate-btn,.calc-btn,.btn-primary');if(btn){setTimeout(function(){var c=capture();renderBadge();maybeUpsell(c);},100);}},true);
})();

\n';

  var blob = new Blob([fullHTML], { type: 'text/html' });
  var a = document.createElement('a');
  a.href = URL.createObjectURL(blob);
  a.download = (currentGenerator === 'privacy' ? 'privacy-policy' : 'terms-of-service') + '.html';
  a.click();
  URL.revokeObjectURL(a.href);
  showToast('Document downloaded');
}

function hostPolicy() {
  if (!generatedHTML) { showToast('No document generated'); return; }
  var modal = document.getElementById('hostModal');
  modal.style.display = 'flex';
  document.getElementById('hostedUrl').textContent = 'Generating hosted URL...';

  fetch('/api/host', {
    method: 'POST',
    headers: { 'Content-Type': 'application/json' },
    body: JSON.stringify(wizardData)
  })
  .then(function(r) { return r.json(); })
  .then(function(res) {
    document.getElementById('hostedUrl').textContent = res.url;
  })
  .catch(function() {
    document.getElementById('hostedUrl').textContent = 'Error generating hosted URL. Please try again.';
  });
}

function copyHostedUrl() {
  var url = document.getElementById('hostedUrl').textContent;
  if (url.indexOf('http') === 0) {
    navigator.clipboard.writeText(url);
    showToast('URL copied to clipboard');
  }
}

function startOver() {
  document.getElementById('outputPanel').style.display = 'none';
  document.getElementById('wizardContainer').style.display = '';
  currentStep = 0;
  wizardData = {};
  generatedHTML = '';
  generatedText = '';
  renderWizard();
  window.scrollTo({ top: 0, behavior: 'smooth' });
}

function showToast(msg) {
  var t = document.getElementById('toast');
  t.textContent = msg;
  t.classList.add('show');
  setTimeout(function() { t.classList.remove('show'); }, 2500);
}

// Init
selectGenerator('privacy');

// Init ads
try { (adsbygoogle = window.adsbygoogle || []).push({}); } catch(e) {}
try { (adsbygoogle = window.adsbygoogle || []).push({}); } catch(e) {}
try { (adsbygoogle = window.adsbygoogle || []).push({}); } catch(e) {}