Originally Posted by rumsfo
I assume you need to be big enough to have such ability and hire the lawyer
I wouldn’t ever use the words “big enough” in any legal issue, especially in this aspect. Regardless of company size you will be bitten for everything and anything you have as a company if a big enough legal battle where to ensue, and even worse the case if you are not a registered company.
As mentioned it is a tad expensive, however talk to friends/local businesses or even local university/college business tutorial and many may have publications or offer free if not low cost guidance on company structure. However for legal issues perhaps approach 2/3 year degree students and ask them or through their tutor to write as a task/assignment a draft TOS.
By no means use this off the shelf, instead after for example the tutor selecting one, have it run past or checked over by a subject professional (lawyer) to ensure any experience gained knowledge is added such as the subject of this post.
A lot of companies including Google started from university, many of them utilised this method to begin with when budgets where not in the billion range as per Google today.