Here is a sample terms and conditions for a group of companies:

1. Introduction

These terms and conditions ("Terms") apply to your use of the products and services provided by the group of companies ("we", "us", or "our"). By using our products and services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not use our products and services.

2. Use of our products and services

You may use our products and services only for lawful purposes and in accordance with these Terms. You may not use our products and services in any way that violates any applicable laws or regulations.

3. Intellectual property

All content and materials included in our products and services, including but not limited to text, graphics, logos, images, and software, are the property of the group of companies or its content suppliers and are protected by copyright and other laws. You may not copy, reproduce, distribute, or display any of these materials without our prior written consent.

4. User content

You may be able to submit content, such as comments or reviews, through our products and services. By submitting such content, you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media.

5. Payment and billing

If you purchase products or services from us, you agree to pay all charges associated with the purchase in a timely manner. We reserve the right to change our prices at any time. We may use third-party payment processors to process your payments and may share your payment information with such processors.

6. Disclaimer of warranties

Our products and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that our products and services will be error-free or uninterrupted.

7. Limitation of liability

In no event shall we be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of our products and services, whether based on contract, tort, strict liability, or any other legal theory.

8. Indemnification

You agree to indemnify and hold harmless the group of companies and its affiliates, officers, directors, employees, agents, and licensors from any and all claims, liabilities, damages, costs, and expenses, including reasonable attorneys' fees, arising out of or in connection with your use of our products and services or your violation of these Terms.

9. Termination

We may terminate or suspend your access to our products and services at any time, without notice and for any reason. These Terms will survive any such termination or suspension.

10. Governing law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which the group of companies is located.

11. Changes to these terms and conditions

We may update these Terms from time to time. If we make material changes, we will notify you by email or by posting a notice on our website.

12. Contact us

If you have any questions about these Terms, please contact us at [insert contact information].