SaaS Terms of Service Draft

Act as an expert startup legal counsel. Generate a draft Terms of Service (ToS) agreement for a SaaS platform called [PLATFORM_NAME]. Key details: [DETAILS]. Include sections for: 1) Acceptance of Terms, 2) User Accounts and eligibility, 3) Intellectual Property rights, 4) Acceptable Use policy, 5) Payment, subscription, and refunds, 6) Limitation of Liability, 7) Dispute Resolution & governing law. Add a disclaimer that this is a draft and requires professional review.