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HTML templates are pre-designed and pre-built web pages that can be customized and used as a basis for building websites. They often include common elements such as headers, footers, menus, and content sections, and can be easily edited using HTML and CSS to fit specific branding and content needs.

A template or theme refers to a pre-designed layout or structure that provides a basic framework for building a specific type of application or website. It typically includes good design, placeholder content and functional features, allowing developers to customize and fill in the details according to their specific needs.