Hi,<p>I'm a high schooler who just learned PHP for the last year or so, and created a website for business owners and consumers to connect with each other. I'm now wondering how can I create a Terms of Service - I don't have any money for a lawyer, but I also don't want to go to get sued if something goes wrong because I don't have a Terms of Service? Is it possible to not get sued without one? Thanks for all help!
If you choose to go with a template take a look at Automattic's TOS (<a href="http://en.wordpress.com/tos/" rel="nofollow">http://en.wordpress.com/tos/</a>) which is licensed under Creative Commons. You can make changes according to your own site and reuse it freely.
There are services like <a href="http://termsfeed.com/" rel="nofollow">http://termsfeed.com/</a> that will make one up for you on-the-fly depending on your site's features. I can't vouch for them, but if you're concerned, they might be an easy place to start.
Make your startup successful and worry later, when your service will take off then you will afford a lawyer, until then search terms of service generator on google and use a predefined template.