tangor - 3:11 am on Jun 6, 2010 (gmt 0)
I would suggest a search on google or bing for that subject. We aren't lawyers here and can't give advice, though we do make comments and opinions!
Seriously, you should find several boilerplate TOS or T&C on the web that will give you a starting point.
edit... actually, some of us are lawyers as well as webmasters, but the above still holds true...