Forum Moderators: not2easy
You might, after doing all of that, run it past a lawyer but most lawyers are largely clueless about operating an online enterprise. Might look for a specialist if you are concerned. Might cost you $500 for a review of what you have worked up.
Webwork, Esquirewebmaster
If you DIY - watch out for the most common non-lawyer mistake which relates to defined terms.
In a legal document, this:-
...purchasers of widgets from us ("the Consumer")....
means that further references to "the Consumer" with a capital "C" refer back to the original definition. If you copy and paste other peoples, you'll often find different lawyers have used different defined terms. Joe Lawyer II may use the term "the Purchaser" instead for example. If you use one clause from Joe Lawyer II's document, you'll need to change references to "the Purchaser" to "the Consumer" or vice-versa.
Make sure you consolidate and keep everything consistent.
You'll also need to check that the definitions fit, and are correct.
Then run it past a lawyer for a final check over.
TJ
Each feature may require some particular terms of service or disclaimer. (One example from the print world: for many years, the Old House Journal has included a page titled "Remuddling", which has a photo and brief comment on a particularly ugly desecration of a building that previously possessed historic character. Very amusing (except for the loss of the historic building), but a few years ago an unhappy owner of a featured building sued them. Now the page is clearly labeled "Opinion".
The point is, look at sites with similar features to yours and learn from their legal work (or their painful experiences).