If you were to pay a lawyer for this, they'd most likely give you back something based on a template from their library—it's highly unlikely they'd be drafting it from scratch. So it shouldn't cost you more than an hour or two (should be under $1,000) for them to reach into said template library and "fill in the blanks." This assumes you're not running a marketplace (e.g. "Uber for X"), or a porn site, or are doing anything involving cryptocurrency, in which case it probably needs more time and attention.
If you're paying someone for incorporation services, they may have a "starter pack" of standard agreements.
Any legal advice is going to have concerns that are state-specific to where you're doing business. Beware of re-using a template or an agreement from businesses that would be sued in a different place than you would. And if you're actually worried about getting sued, insurance—specifically, an "errors & omissions" policy—is going to provide better protection than anything in your T&C.
Comments
If you were to pay a lawyer for this, they'd most likely give you back something based on a template from their library—it's highly unlikely they'd be drafting it from scratch. So it shouldn't cost you more than an hour or two (should be under $1,000) for them to reach into said template library and "fill in the blanks." This assumes you're not running a marketplace (e.g. "Uber for X"), or a porn site, or are doing anything involving cryptocurrency, in which case it probably needs more time and attention.
If you're paying someone for incorporation services, they may have a "starter pack" of standard agreements.
In the past, I've also used templates from this book: https://www.elsevier.com/books/the-it-digital-legal-companio... But I think it's somewhat out of date at this point, unfortunately.
Any legal advice is going to have concerns that are state-specific to where you're doing business. Beware of re-using a template or an agreement from businesses that would be sued in a different place than you would. And if you're actually worried about getting sued, insurance—specifically, an "errors & omissions" policy—is going to provide better protection than anything in your T&C.
I've asked if we could get a discount if we wrote the terms and they revised it. They said nope, the template is most efficient and cheapest.
That's a feature not a bug