I think it makes sense to get a lawyer at some point, but right now this would divert your attention away from your product, especially as you're bootstrapping

I think it makes sense to get a lawyer at some point, but right now this would divert your attention away from your product, especially as you're bootstrapping it. As long as you have clear terms/policy statement outlining the usual (plenty of templates online) I think you'll be fine for now. Focus on the product, then worry about legals when you're ready.