Where to get Free Legal Agreements? (TOS)
What do fellow webmasters do when it comes to putting legal agreements on their sites, such as:
 - Terms of Service
 - Privacy Policy
 - Disclamers
 - IP/Content Ownership Agreements (eg for forums)
I can not believe that all webmaster write their own, nor go to a lawyer. So where do people get these from?
Webmaster of http://pickbrains.com