LifeinAsia - 5:35 pm on Oct 30, 2011 (gmt 0)
Welcome to Webmaster World!
There are a number of free templates you can use- try searching "terms and conditions template" or "free terms and conditions template" on your favorite search engine. Just make sure you read them carefully and tweak as appropriate for your site. I've never heard of someone being sued for copying another sites T&C verbatim, but why take a chance.