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Do you just use filler T&C or have you opted to create your own either yourselves or through the counsel of a professional?
Any links or advice here would be very much appreciated.
However the above advise is the best. Legal council is always the safe bet, even if it is just an hour of their time to review your canned documents to make sure they hold water.
You don't necessarily need to re-invent the wheel here, but depending on where you are, or even more importantly where the physical server location is, there may be special laws that you are not aware of that a canned document may not address, or it may even violate laws that exists only where your server is.
Be safe and find someone knowledgeable about the specifics of e-commerce in the area applicable.