You can find templates online, Obie sells some templates. In the end it doesn't cost that much to find a decent lawyer to draw up a simple terms and conditions

You can find templates online, Obie sells some templates. In the end it doesn't cost that much to find a decent lawyer to draw up a simple terms and conditions contract that is decent, or take one of the templates you like and have an attorney go over it for you. So you spend $200-300, that is cheap to protect yourself.