There's also a crap ton of TOS templates online, even a free lawyer on that website you can get free legal advice from can help you with creating your TOS but I forgot the name of it. It was very useful when I wanted to create a contract when I was freelancing as a Server Administrator and Migration Expert. It basically protected my ass because I was dealing with an Eye Clinic and the person who got me the gig was a close friend and she put in a good word for me. I just wished I didn't move cause I learned a lot where I am now and could of built a bad ass eye clinic software suite.
Just be careful and read through any TOS you want to copy, they are pretty generic and only specific to how you operate your site.
Edit: I got this from Rocket Lawyer, really good site for legal stuff.