well, Starter companies never paid fees for advocates to provide legal terms and documents because it not necessary because starters haven't much customers and they don't have much budget as well to handle such acitivities. The best option for starters has to wait for the success and then they can update their TOS/Policy etc. I am sure there are also plenty of cheap service which provides custom written tos/policy for the companies. you can find on the fiverr and some other market places.
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