If the website does not have a set of Terms and Conditions that I can find and read easily then I generally do not trust that website. The Terms and Conditions are never going to be simple but if they stretch to 20 or 30 pages then there is an issue. So you need to cover yourself without going too legally verbose. You should always seek legal advice on the legal terms and aspects of your business. Do not just go and copy the T&Cs from some other website. This may cause you to be in breach of the Intellectual Property Copyright protection of that website. If you are directly targeting a competitor’s website they will probably figure it out quickly. You can find some very useful information at www.digitalbusiness.gov.au.