My TOS can be found on my invoices and down below:
No refunds will be given past the sketch stage of a commission. I will send WIP for every step of the way to ensure it is 100% to customer liking. I can at anytime cancel a request if I feel it is necessary and only then will I issue a refund. All my art is to have proper credit when posting on any sort of social media (at least linking back to one of my social media pages or having my name).

• No refund will be given past the sketch stage of a commission. I send WIP’s and do changes upon request. If you get a refund past this point it will be because I am unable to finish the commission and you will also receive any progress I have made on your piece. 
• I have the right to decline any commission I will not feel comfortable with, I will provide a list farther down on the things I will not do. 
• All of my art is to have proper credit when and wherever it is posted. This could be a simple “Art by HariKuran” or an actual link to any of my art pages.