I think you shouldn't copy the TOS of others. On doing so you are at the verge of doing mistakes anywhere in the middle. All of us are good in English. Take a format from any of the sites and spend a week for your business important part. We spend most of our time in building our business. On writing a TOS, think as if you are selfish and be on the safer side. Never use the words "Promise", "Gurantee", etc.., these can get you in trouble at any time.