Ultimately the best advice is to talk to an accountant and a lawyer, as this varies by location and industry. You can find one of each who will give you a free

Ultimately the best advice is to talk to an accountant and a lawyer, as this varies by location and industry. You can find one of each who will give you a free 1-hour consultation. If you like them, you can hire them hourly to customize a boilerplate T&C and to incorporate you in whichever way is most advantageous. A more HN-style recommendation is to not provide a freemium B2C product, but to provide a paid B2B product. That is, do not invite general users to abuse your system for free, but rather encourage serious businesses to pay for your service. This will attract more lucrative, less problematic customers. If you have questions on how to do this given your product, post a Show/Ask HN about it. :)