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Need help for payment gateway & writing TOS, REFUND POLICY, PRIVACY POLICY

Most small/startup businesses (that don't pay a lawyer to write these documents for them) use templates, ChatGPT, and/or manufacture their own based on copy-pasting from various other companies. Don't copy-paste a T&C or policy verbatim as that's easy to spot and in many jurisdictions a copyright violation.
My company is at Hong Kong, while most of my clients are from US and US,

Should I hire an Hong Kong Lawyer or US Lawyer?
 

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