diff --git a/default/assets/privacy/en/0.md b/default/assets/privacy/en/0.md
index 419e12ef..9c8e6b15 100644
--- a/default/assets/privacy/en/0.md
+++ b/default/assets/privacy/en/0.md
@@ -1 +1,8 @@
-# TODO dummy ToS
+# Privacy Policy
+
+Welcome!
+This is a placeholder Privacy Policy file.
+
+
+------------------------------------------
+MTE - the MirageOS Taler Exchange
diff --git a/default/assets/privacy/en/0.txt b/default/assets/privacy/en/0.txt
index 419e12ef..9c8e6b15 100644
--- a/default/assets/privacy/en/0.txt
+++ b/default/assets/privacy/en/0.txt
@@ -1 +1,8 @@
-# TODO dummy ToS
+# Privacy Policy
+
+Welcome!
+This is a placeholder Privacy Policy file.
+
+
+------------------------------------------
+MTE - the MirageOS Taler Exchange
diff --git a/default/assets/terms/en/0.md b/default/assets/terms/en/0.md
index 419e12ef..033a5937 100644
--- a/default/assets/terms/en/0.md
+++ b/default/assets/terms/en/0.md
@@ -1 +1,8 @@
-# TODO dummy ToS
+# Terms of Service
+
+Welcome!
+This is a placeholder Terms of Service file.
+
+
+------------------------------------------
+MTE - the MirageOS Taler Exchange
diff --git a/default/assets/terms/en/0.txt b/default/assets/terms/en/0.txt
index 419e12ef..033a5937 100644
--- a/default/assets/terms/en/0.txt
+++ b/default/assets/terms/en/0.txt
@@ -1 +1,8 @@
-# TODO dummy ToS
+# Terms of Service
+
+Welcome!
+This is a placeholder Terms of Service file.
+
+
+------------------------------------------
+MTE - the MirageOS Taler Exchange