My take away from this conversation is that everyone could benefit from A simple shared set of TOS and privacy policies, something like open ID for login or creative commons for copyright sharing. It could be branded so people can read it once and know how it works. Having a small set of versions would make case law for one site easily. applicable to other sites, and you could monetize with a small regular fee to use the branding/trademark , and add a certain number of hours per year for legal advice/representation in cases/suits directly related to the TOS and privacy policy as a premium option. Write once, reuse anywhere.