Terms and conditions should always include a disclaimer. A disclaimer limits your legal liability with regards to any misinformation in the content of the website. You should also add copyright information, billing policies, warranties, and the rules that users must follow to use your websites or apps. It is very important to protect your intellectual property, such as your logo, your unique web or mobile app design and your content (unless the content is user-generated), which is yet another reason for having a terms and conditions agreement. Therefore, you should make sure that you include the Intellectual Property clause in your terms and conditions.