Template
A template is a ready-made design that you fill with your own words, pictures and colours.
In a simple example
You pick a bakery template, change the name and prices, and your site is ready in an afternoon.
Why it matters to you
You start from something that already works, instead of from an empty page.
Do not confuse with
A template is a starting point. Two people can use the same template and still look different after editing.