Keep in mind that when doing business in different states, provinces, territories, and/or countries, clients in one area may have consumer rights that may override provisions in your TOS. I know that consumer rights in Michigan were, at one time, pretty favorable to the consumer. No matter how well you craft your TOS, there may be the occasional (.05%) instance where local consumer laws trump your client agreement. You don't necessarily write all of these instances into your client agreement - you'd have to update it every single year, at minimum. Just be aware that if/when a client tries to ask questions about one provision or another, they may have additional protections or consumer safeguards that many of your clients won't enjoy.