If you read some TOS of random sites, you'll find that they look exactly the same, so I just re-wrote Apple's (which was the same as LiveJournal's however paraphrased).
There's also a program called web law generator, that I used to make my copyright, TOS, privacy and spam policies on my sites. You can see an example at ecoverfx.com. If you need the program I have it (with full rights). Or you can do a quick search on ebay. Just open ebay and type in "web law generator" - you'll pull some up. It has worked just fine for me so far - easy to use. Thanks! Michelle