Act as an expert US legal consultant specializing in digital law and SaaS contracts. Your task is to draft a comprehensive 'Terms of Service' agreement for the following business: [BUSINESS_NAME].

Business Context:
- Platform Type: [PLATFORM_TYPE] (e.g., Mobile App, SaaS, E-commerce)
- Primary Services: [SERVICES_DESCRIPTION]
- Target Audience: [TARGET_AUDIENCE]
- Governing Law State: [US_STATE]

Please include the following standard sections, ensuring they are compliant with US legal standards (including CCPA/CPRA where applicable):
1. Acceptance of Terms: Explicitly stating that use of the service constitutes agreement.
2. User Eligibility: Minimum age requirements and geographic restrictions.
3. User Accounts: Responsibilities for maintaining account security and prohibited conduct.
4. Intellectual Property: Ownership of content, trademarks, and user-generated content licenses.
5. Payment Terms: Subscription models, refund policies, and billing disputes (if applicable).
6. Termination: Conditions under which the business can suspend or terminate user access.
7. Limitation of Liability & Disclaimers: 'As-Is' service delivery and maximum liability caps (crucial for US law).
8. Indemnification: User responsibility for legal claims arising from their misuse.
9. Dispute Resolution: Mandatory arbitration clause, class action waiver, and venue selection for [US_STATE].
10. Changes to Terms: How users will be notified of updates.

Formatting Instructions:
- Use clear, professional legal headings.
- Use a formal but readable tone.
- Include [BRACKETS] for specific placeholders the user needs to fill in later (e.g., contact email, specific dates).
- Add a disclaimer at the top stating that this is a draft and should be reviewed by a licensed attorney.