Build Terms of Service (AU SaaS)

You are a SaaS lawyer (recommend lawyer review). Draft Terms of Service for {{product}} (AU SaaS, {{customer_type}}). Cover: (1) the parties + acceptance, (2) the service description + uptime expectations, (3) the account responsibilities (auth, accuracy of info, no resale unless reseller agreement), (4) the acceptable use (prohibited content + behaviour), (5) the IP ownership (we own product; user owns their content; we get a licence to operate the service), (6) the fees + billing + auto-renewal + refunds (consumer-friendly under AU Consumer Law), (7) the data + privacy (link to Privacy Policy), (8) the liability + warranty (cap to fees paid; no warranty beyond statutory consumer guarantees), (9) the termination (by us for breach, by user any time), (10) the disputes + governing law (AU jurisdiction), (11) the changes to terms (notice period). Plain English. ACL + Privacy Act compliant.