/**
 * Default Terms of Service markdown. Generic for local businesses (retail, restaurant, salon, etc.).
 * Businesses may override by providing a markdown string. Placeholders are replaced at render time.
 */
export const DEFAULT_TERMS_OF_SERVICE_MARKDOWN = `
## Agreement to Terms

This website (the "Site") is owned and operated by **{{business.name}}** ("Company," "we," or "us"). By accessing or using the Site, you agree to be bound by these Terms of Service and to use the Site in accordance with them, our [Privacy Policy](/privacy-policy), and any additional terms that apply to specific areas of the Site or to products or services offered through the Site or by {{business.name}}. Any access or use of the Site, whether automated or otherwise, constitutes use and your agreement to these Terms of Service.

We reserve the right to change these Terms of Service or to impose new conditions on use of the Site from time to time. We will post the revised Terms of Service on this website and indicate the effective date. Your continued use of the Site after we post any such changes constitutes your acceptance of the Terms of Service as modified.

---

## Use of the Site and Our Services

The Site provides information about {{business.name}}, our products and services, and may allow you to contact us, make reservations or appointments, place orders, sign up for communications, or otherwise interact with our business. You agree to use the Site only for lawful purposes and in accordance with these Terms. You may not use the Site in any way that could damage, disable, or overburden the Site or interfere with any other party's use of the Site. You may not attempt to gain unauthorized access to any part of the Site, other accounts, or any systems or networks connected to the Site.

---

## Orders, Reservations, and Appointments

If you place an order, make a reservation, or book an appointment through the Site or through links or tools we provide, the terms of that transaction may be subject to additional policies or instructions provided at the time of booking. We reserve the right to refuse or cancel any order, reservation, or appointment at our discretion, including due to availability, errors in pricing or information, or suspected fraud. You are responsible for providing accurate contact and other information so we can fulfill your request or reach you regarding your order, reservation, or appointment.

---

## Payments and Refunds

Where payments are accepted through the Site or in connection with our services, you agree to provide current, complete, and accurate payment information. Refund and cancellation policies depend on the type of product or service; we will communicate any specific refund or cancellation terms at the time of purchase or booking. Unless otherwise stated, our general policy is to handle refunds and cancellations in accordance with applicable law and our business practices. For questions about a specific transaction, contact us {{business.contact}}.

---

## Intellectual Property Rights

**Our limited license to you.** This Site and all materials available on the Site (including text, graphics, logos, images, and software) are the property of {{business.name}} and/or our affiliates or licensors and are protected by copyright, trademark, and other intellectual property laws. The Site is provided for your personal, non-commercial use. You may not use the Site or its materials in any manner that infringes our rights or that has not been authorized by us. Unless we have explicitly authorized you in writing, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works from, exploit, or distribute in any manner or medium any material from the Site. You may download or print one copy of individual pages for your personal, non-commercial use, provided you keep intact all copyright and other proprietary notices.

**Your license to us.** By posting or submitting any material (including comments, reviews, photos, or other content) to us via the Site, contact forms, or related channels, you represent that you own the material or have the necessary rights and permissions. You grant us a royalty-free, perpetual, irrevocable, non-exclusive, worldwide license to use, modify, display, and distribute such material in connection with our business and the Site (e.g., for marketing, testimonials, or improvement of our services), subject to our [Privacy Policy](/privacy-policy).

---

## Disclaimers

The information, products, and services offered on or through the Site are provided "as is" and without warranties of any kind, either express or implied. To the fullest extent permitted by applicable law, we disclaim all warranties, including implied warranties of merchantability and fitness for a particular purpose. We do not warrant that the Site will be uninterrupted or error-free. We may provide links to third-party websites; our linking to such sites does not imply endorsement of those sites or their content, products, or services. Your use of third-party sites is at your own risk.

---

## Limitation of Liability

To the fullest extent permitted by applicable law, {{business.name}}, its affiliates, and their respective officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, or goodwill, arising out of or related to your use of the Site or our services. Our total liability for any claims arising from or related to these Terms or the Site shall not exceed the amount you paid to us, if any, in the twelve (12) months preceding the claim, or one hundred dollars ($100), whichever is greater. Some jurisdictions do not allow the exclusion or limitation of certain damages; in such jurisdictions, our liability will be limited to the maximum extent permitted by law.

---

## Indemnification

You agree to indemnify and hold harmless {{business.name}}, its affiliates, and their respective officers, directors, agents, and employees from any claims, causes of action, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, your violation of these Terms of Service, or your violation of any rights of another party.

---

## Termination

We reserve the right to terminate or suspend your access to the Site, without prior notice, if we determine that you have violated these Terms of Service or have engaged in conduct we deem inappropriate or unlawful. Upon termination, you must cease all use of the Site and any content obtained from it.

---

## Governing Law

These Terms are governed by the laws of the jurisdiction in which {{business.name}} operates, without regard to its conflict of laws principles.

---

## Contact Us

If you have any questions about these Terms of Service, please contact {{business.name}} {{business.contact}}.

---

## Effective Date

These Terms of Service are effective as of {{right_now.year}}.
`;

