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Developer Tools · head to head

Refact vs Termly

Refact logo

Refact

Developer Tools

Autonomous AI coding agent for development tasks

From
Free
Free plan
Yes
Full reviewWebsite
Termly logo

Termly

Cybersecurity

Legal policy generator and cookie consent banner for small websites

From
Free
Free plan
Yes
Full reviewWebsite

The short version

  • Each has a real cost: Refact requires configuration for optimal performance; Termly a standard plan licenses one website, so an agency or a business with several brand domains multiplies the headline price by the number of sites and the cheap option stops being cheap at four or five domains.
  • They diverge on capability: Refact covers Autonomous agent workflows, Termly covers Policy generator.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Refact and Termly actually diverge.

Attributes where Refact and Termly differ
AttributeRefactTermly
Pricing modelFreemium with paid tiersPer website per month
PlatformsVS Code, WebWeb
CategoryDeveloper ToolsCybersecurity
Founded2023Unknown

Identical on both: starting price (Free), free tier (Yes), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Refact

  • Autonomous agent workflows
  • IDE chat
  • Real-time code completions
  • GitHub integration
  • Database integration
  • On-premise deployment
  • Multi-LLM support
  • 25+ language support

Only in Termly

  • Policy generator
  • Automatic policy updates
  • Consent banner
  • Script auto blocker
  • Cookie scanner
  • Consent log
  • WordPress plugin
  • Do not sell handling

What people use each for

The jobs each tool is most often brought in to do.

Refact

  • Autonomous code generation for development tasksnot Termly
  • End-to-end bug fixes and refactoringnot Termly
  • Multi-language software development accelerationnot Termly
  • Enterprise development with data privacy requirementsnot Termly

Termly

  • A small e-commerce shop that needs a privacy policy, terms and a compliant cookie banner before launch without engaging a solicitornot Refact
  • A freelance web developer standardising the legal and consent layer across client sites, buying a licence per site or an agency arrangementnot Refact
  • A WordPress site owner who needs scripts blocked before consent and does not have a tag manager set upnot Refact
  • A US small business newly in scope for a state privacy law that needs a do not sell opt-out on the site quicklynot Refact

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Refact

  • Requires configuration for optimal performance
  • On-premise deployment adds operational complexity
  • Free tier limited by daily agent request quota
  • Coin system adds complexity to cost calculation

Termly

  • A standard plan licenses one website, so an agency or a business with several brand domains multiplies the headline price by the number of sites and the cheap option stops being cheap at four or five domains.
  • Generated policies are templates conditioned on questionnaire answers, so they describe the data practices you claimed rather than the ones your code performs, and a regulator comparing the policy to actual tracking finds the gap not the vendor.
  • Banner view limits apply on the lower tiers, and a site that spikes in traffic can exhaust its allowance mid month, which is the worst possible moment for consent handling to degrade.
  • It covers websites well but has little for mobile apps, so a company with an iOS and Android app alongside its site needs a second consent mechanism and a second consent record.
  • There is no data mapping, subject rights automation or vendor inventory, so any company that grows into real privacy programme obligations outgrows Termly entirely rather than upgrading within it.

Pricing, plan by plan

Refact

Free
  • FreeFree
    • Limited daily agent usage
    • Unlimited completions
    • 2,000 coins for agent and chat
  • Pro$10/month
    • 40 daily agent requests
    • 64k context window
    • 10,000 coins monthly
  • Enterprise$undefined/custom
    • On-premise deployment
    • Custom coin allocation
    • Fine-tuning support

Termly

Free
  • FreeFree
    • 1 basic legal policy
    • 10,000 monthly banner views
    • Cookie consent banner
  • Starter$10/month
    • 2 legal policies
    • 10 policy edits
    • 50,000 monthly banner views
  • Pro Plus$15/month
    • Unlimited banner views
    • Additional legal policies
    • Multilingual banners

Which should you pick?

Choose Refact if

  • You need autonomous agent workflows.
  • You want to start without paying.
  • You work on VS Code, Web.
  • You also want ide chat.
Refact review

Choose Termly if

  • You need policy generator.
  • You want to start without paying.
  • You also want automatic policy updates.
Termly review

Questions people ask

Is Refact or Termly better?
Neither clearly leads. Refact starts at Free and Termly at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Refact or Termly?
Refact starts at Free and Termly at Free.
Does Refact or Termly run on more platforms?
Refact runs on VS Code, Web. Termly runs on Web.
Can I use Refact for free?
Both have a free tier, so you can try either at no cost before committing.
What is Refact best used for?
Refact is most often used for autonomous code generation for development tasks, end-to-end bug fixes and refactoring, multi-language software development acceleration, enterprise development with data privacy requirements. Of those, autonomous code generation for development tasks and end-to-end bug fixes and refactoring are not what Termly is typically brought in for.
What can Refact do that Termly cannot?
Refact covers Autonomous agent workflows, IDE chat, Real-time code completions, GitHub integration. Termly covers Policy generator, Automatic policy updates, Consent banner, Script auto blocker.

Answered from the vendors’ own pages

Refact: How many programming languages does Refact support?

Refact supports 25+ programming languages including Python, JavaScript, Go, Rust, Java, C++, and many others.

Source
Termly: Does one Termly plan cover all my websites?

No. A standard plan licenses one website. Multiple domains need multiple licences or an agency arrangement, and this is the single most common surprise on the bill.

Refact: Can I deploy Refact on-premises?

Yes. Refact offers on-premise deployment options for organizations requiring complete data control and privacy.

Source
Termly: Are the generated policies legally sufficient?

They are templates conditioned on your answers and are not legal advice. They are proportionate for a simple site and inadequate where actual data flows are complex or regulated.

Refact: What LLMs does Refact support?

Refact works with multiple LLMs including Claude, GPT-4, and open-source models, giving you flexibility in model selection.

Source
Termly: Is there a genuinely free plan?

Yes, one basic policy, one site, 10,000 monthly banner views and quarterly cookie scans, with no card required.

Termly: Does it handle US state privacy opt-outs?

Yes, including a do not sell or share mechanism and regional rule sets, alongside GDPR consent for EU visitors.

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