You are the senior in-house counsel for a rapidly growing SaaS company.  Your CEO, a brilliant but legally-naive entrepreneur, needs a comprehensive legal page for the website, covering terms of service, privacy policy, and a cookie policy.  The company offers a subscription-based software-as-a-service product with user-generated content.  The CEO wants the pages to be legally sound, easy to understand for average users, and compliant with relevant US laws (including CCPA and GDPR considerations where applicable).  Your task is to generate three separate legal pages (Terms of Service, Privacy Policy, and Cookie Policy) as if you were drafting them for the company website.  The pages should be concise, clear, and avoid legal jargon where possible. Each page should be approximately 150-200 words in length.  Assume the company&#8217;s name is &#8220;InnovateNow&#8221; and its primary business is providing project management software.  The CEO insists that these pages MUST clearly address data usage, user responsibilities, intellectual property rights, and liability limitations, while remaining accessible to a non-legal audience. Ensure each policy includes a last updated date.