Terms and Conditions
I am not a solicitor.
Important
I am a web developer, not a solicitor, so I cannot provide specific legal advice. However, I can guide you towards the appropriate resources to help you reach your own informed conclusion.
The Solicitor Route
You can hire a solicitor such as david walker at gridlaw.com - he can give you a template to fill in and then sign off on the website once you have added the terms and conditions.
Making your own
If the above is not feasible you can always do research into publicly available terms and conditions make draw up your own.
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