If you are a nobody and just starting out, I suggest look at other similar companies and get inspiration from their TOS etc. For example, a lot of B2B SAAS companies have similar DPA (Data Process agreements) and you can copy from a similar company and tweak. This may be unpopular opinion though but I think it is good enough IF you don't want to spend money and you are just starting out (risk of anyone caring is almost 0). Obviously don't lie but you ca use similar sections. For example, here is hubspot's DPA:
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If you are a nobody and just starting out, I suggest look at other similar companies and get inspiration from their TOS etc. For example, a lot of B2B SAAS companies have similar DPA (Data Process agreements) and you can copy from a similar company and tweak. This may be unpopular opinion though but I think it is good enough IF you don't want to spend money and you are just starting out (risk of anyone caring is almost 0). Obviously don't lie but you ca use similar sections. For example, here is hubspot's DPA:
https://legal.hubspot.com/dpa
For the section "sub-processors", replace it with the ones you use for your startup and keep similar wording as needed.
Once you are up and running and have real customers with money coming in, get a lawyer to review and edit as needed.