It is easy to ignore terms and conditions on the basis that they seem like an unnecessary expense, and indeed for very small businesses the cost of hiring a lawyer to draft your T&C's could be considerable. However, it is possible to get standard terms and conditions for free or very cheaply online, which can be used as a or modified to suit your specific needs. Here are links to just a few:
Free
http://www.tele-pro.co.uk/
Paid
http://www.company-wizard.co.
http://www.clickdocs.co.uk/
http://www.compactlaw.co.uk/
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