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  <title>Terms of Service - {{businessName}}</title>
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        ← Back to Opt-In
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      <h1 class="text-4xl font-bold text-gray-900 mb-2">Terms of Service</h1>
      <p class="text-gray-600">{{businessName}} SMS Messaging Program</p>
      <p class="text-sm text-gray-500 mt-2">Last Updated: {{currentDate}}</p>
    </div>

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      <section>
        <h2 class="text-2xl font-semibold text-gray-900 mb-4">1. Agreement to Terms</h2>
        <p class="text-gray-700 leading-relaxed">
          By opting in to receive SMS messages from {{businessName}} ("we," "us," or "our"), you agree to these 
          Terms of Service. These terms govern your participation in our SMS messaging program. If you do not agree 
          to these terms, please do not opt in to our program.
        </p>
      </section>

      <section>
        <h2 class="text-2xl font-semibold text-gray-900 mb-4">2. SMS Program Description</h2>
        <p class="text-gray-700 leading-relaxed">
          Our SMS program provides: <strong>{{useCase}}</strong>
        </p>
        <p class="text-gray-700 leading-relaxed mt-4">
          {{useCaseDescription}}
        </p>
      </section>

      <section>
        <h2 class="text-2xl font-semibold text-gray-900 mb-4">3. Consent to Receive Messages</h2>
        <p class="text-gray-700 leading-relaxed mb-4">
          By providing your mobile phone number and checking the consent box, you:
        </p>
        <ul class="list-disc list-inside text-gray-700 space-y-2 ml-4">
          <li>Expressly consent to receive SMS text messages from {{businessName}}</li>
          <li>Certify that you are the account holder or have authorization to use the provided phone number</li>
          <li>Understand that consent is not a condition of purchase or service</li>
          <li>Acknowledge that message frequency is: <strong>{{messageFrequency}}</strong></li>
        </ul>
      </section>

      <section>
        <h2 class="text-2xl font-semibold text-gray-900 mb-4">4. Message Frequency</h2>
        <p class="text-gray-700 leading-relaxed">
          You will receive approximately <strong>{{messageFrequency}}</strong>. The actual frequency may vary based on 
          your activity, account status, and the nature of the information being communicated. We will never send 
          unsolicited messages or spam.
        </p>
      </section>

      <section>
        <h2 class="text-2xl font-semibold text-gray-900 mb-4">5. Message and Data Rates</h2>
        <p class="text-gray-700 leading-relaxed">
          <strong>Message and data rates may apply.</strong> You are responsible for any charges imposed by your mobile 
          carrier for SMS messages. Please contact your carrier for details about your messaging plan. {{businessName}} 
          is not responsible for any carrier charges you may incur.
        </p>
      </section>

      <section>
        <h2 class="text-2xl font-semibold text-gray-900 mb-4">6. Opt-Out Instructions</h2>
        <p class="text-gray-700 leading-relaxed mb-4">
          You may opt out of our SMS program at any time by:
        </p>
        <ul class="list-disc list-inside text-gray-700 space-y-2 ml-4">
          <li>Replying <strong>STOP</strong>, <strong>END</strong>, <strong>CANCEL</strong>, <strong>UNSUBSCRIBE</strong>, 
          or <strong>QUIT</strong> to any message</li>
          <li>Contacting us at <a href="mailto:{{contactEmail}}" class="brand-accent hover:underline">{{contactEmail}}</a></li>
        </ul>
        <p class="text-gray-700 leading-relaxed mt-4">
          After opting out, you will receive one final confirmation message, and then no further messages will be sent 
          unless you re-subscribe.
        </p>
      </section>

      <section>
        <h2 class="text-2xl font-semibold text-gray-900 mb-4">7. Help and Support</h2>
        <p class="text-gray-700 leading-relaxed mb-4">
          For assistance or questions about our SMS program:
        </p>
        <ul class="list-disc list-inside text-gray-700 space-y-2 ml-4">
          <li>Reply <strong>HELP</strong> or <strong>INFO</strong> to any message</li>
          <li>Email us at <a href="mailto:{{contactEmail}}" class="brand-accent hover:underline">{{contactEmail}}</a></li>
          <li>Call us at <a href="tel:{{contactPhone}}" class="brand-accent hover:underline">{{contactPhone}}</a></li>
        </ul>
      </section>

      <section>
        <h2 class="text-2xl font-semibold text-gray-900 mb-4">8. Supported Carriers</h2>
        <p class="text-gray-700 leading-relaxed">
          Our SMS program is supported by major U.S. carriers including AT&T, T-Mobile, Verizon, Sprint, Boost Mobile, 
          Cricket Wireless, Metro PCS, U.S. Cellular, Virgin Mobile, and others. Coverage and availability may vary 
          by carrier and location.
        </p>
      </section>

      <section>
        <h2 class="text-2xl font-semibold text-gray-900 mb-4">9. Carrier Liability Disclaimer</h2>
        <p class="text-gray-700 leading-relaxed">
          <strong>Carriers are not liable for delayed or undelivered messages.</strong> Message delivery depends on 
          factors outside our control, including carrier network conditions, device compatibility, and service availability. 
          {{businessName}} is not responsible for messages that are not received due to carrier issues, network outages, 
          or device problems.
        </p>
      </section>

      <section>
        <h2 class="text-2xl font-semibold text-gray-900 mb-4">10. Eligibility</h2>
        <p class="text-gray-700 leading-relaxed">
          You must be 18 years of age or older to participate in our SMS program. By opting in, you certify that you 
          meet this age requirement and that the mobile phone number you provide is your own or that you have proper 
          authorization from the account holder.
        </p>
      </section>

      <section>
        <h2 class="text-2xl font-semibold text-gray-900 mb-4">11. Privacy</h2>
        <p class="text-gray-700 leading-relaxed">
          Your privacy is important to us. Please review our 
          <a href="{{privacyPolicyUrl}}" class="brand-accent hover:underline font-medium">Privacy Policy</a> 
          to understand how we collect, use, and protect your personal information.
        </p>
      </section>

      <section>
        <h2 class="text-2xl font-semibold text-gray-900 mb-4">12. Program Changes and Termination</h2>
        <p class="text-gray-700 leading-relaxed">
          We reserve the right to modify, suspend, or terminate our SMS program at any time, with or without notice. 
          We may also change message frequency, content, or features. Continued participation after changes constitutes 
          acceptance of the modified terms.
        </p>
      </section>

      <section>
        <h2 class="text-2xl font-semibold text-gray-900 mb-4">13. Prohibited Uses</h2>
        <p class="text-gray-700 leading-relaxed mb-4">
          You agree not to:
        </p>
        <ul class="list-disc list-inside text-gray-700 space-y-2 ml-4">
          <li>Use the SMS program for any unlawful purpose</li>
          <li>Attempt to interfere with or disrupt the service</li>
          <li>Impersonate another person or provide false information</li>
          <li>Send abusive, harassing, or spam messages in response</li>
        </ul>
      </section>

      <section>
        <h2 class="text-2xl font-semibold text-gray-900 mb-4">14. Limitation of Liability</h2>
        <p class="text-gray-700 leading-relaxed">
          {{businessName}} and its service providers shall not be liable for any indirect, incidental, special, 
          consequential, or punitive damages arising from or related to the SMS program, including but not limited to 
          delayed messages, undelivered messages, or service interruptions. Our total liability shall not exceed $100.
        </p>
      </section>

      <section>
        <h2 class="text-2xl font-semibold text-gray-900 mb-4">15. Indemnification</h2>
        <p class="text-gray-700 leading-relaxed">
          You agree to indemnify and hold harmless {{businessName}}, its affiliates, and service providers from any 
          claims, damages, or expenses arising from your violation of these Terms of Service or your use of the SMS program.
        </p>
      </section>

      <section>
        <h2 class="text-2xl font-semibold text-gray-900 mb-4">16. Compliance with Laws</h2>
        <p class="text-gray-700 leading-relaxed">
          Our SMS program complies with the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, CTIA Messaging 
          Principles and Best Practices, and all applicable federal and state laws governing SMS communications.
        </p>
      </section>

      <section>
        <h2 class="text-2xl font-semibold text-gray-900 mb-4">17. Changes to Terms</h2>
        <p class="text-gray-700 leading-relaxed">
          We may update these Terms of Service from time to time. The "Last Updated" date will reflect any changes. 
          Your continued participation in the SMS program after changes are posted constitutes acceptance of the 
          updated terms.
        </p>
      </section>

      <section>
        <h2 class="text-2xl font-semibold text-gray-900 mb-4">18. Governing Law</h2>
        <p class="text-gray-700 leading-relaxed">
          These Terms of Service are governed by the laws of the United States and the state in which {{businessName}} 
          is located, without regard to conflict of law principles.
        </p>
      </section>

      <section>
        <h2 class="text-2xl font-semibold text-gray-900 mb-4">19. Contact Information</h2>
        <p class="text-gray-700 leading-relaxed">
          If you have questions about these Terms of Service, please contact us:
        </p>
        <div class="mt-4 p-6 bg-gray-50 rounded-lg">
          <p class="text-gray-800"><strong>{{businessName}}</strong></p>
          <p class="text-gray-700 mt-2">Email: <a href="mailto:{{contactEmail}}" class="brand-accent hover:underline">{{contactEmail}}</a></p>
          <p class="text-gray-700">Phone: <a href="tel:{{contactPhone}}" class="brand-accent hover:underline">{{contactPhone}}</a></p>
        </div>
      </section>

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      <p>&copy; {{currentYear}} {{businessName}}. All rights reserved.</p>
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