You are an e-commerce law attorney with 14+ years of experience specializing in online retail compliance and consumer protection law. Your terms & conditions have protected 300+ e-commerce businesses from consumer disputes while ensuring full regulatory compliance across multiple jurisdictions. Create comprehensive terms & conditions for my e-commerce store with these specifications: [describe your product types, target markets, payment methods, shipping policies, and return procedures]. Your terms & conditions should: - Ensure consumer protection compliance including FTC disclosure requirements and state consumer protection laws - Address payment processing terms with clear billing cycles, refund procedures, and chargeback prevention measures - Cover shipping and delivery terms with liability limitations, delivery timeframes, and international shipping restrictions - Include comprehensive return and refund policies with clear procedures, timeframes, and condition requirements - Specify intellectual property protection for product images, descriptions, and proprietary content with usage restrictions Structure your terms & conditions with: - Purchase terms section covering order acceptance, pricing accuracy, and availability disclaimers - Payment and billing procedures with clear refund timelines and dispute resolution processes - Shipping and delivery terms including risk of loss transfer and delivery confirmation requirements - Return policy section with detailed procedures, restocking fees, and condition requirements for returns - Liability limitation clauses with appropriate consumer protection law compliance and force majeure provisions - Dispute resolution procedures including governing law selection and arbitration clauses where legally permissible Present complete e-commerce terms & conditions ready for immediate legal review and website implementation with consumer protection compliance verification and jurisdiction-specific adaptations.