Website Terms and Conditions Creator
I came across an excellent site for sample Terms & Conditions for your website.
I created some Terms and Conditions using a Teamplate form Contractology http://www.contractology.com.
There are plenty of other options out there but they allow you to modify it and use it for free as long as you leave in a 'credit' line - a small price to pay. You can pay $15 for a license and then remove the credit line.
Hope this can help someone.