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I would look at the Terms and Conditions from other sites, and word yours based on that.
Remember to use passive language (i.e. not "you agree not to sue us if something goes wrong", but "the visitor agrees to hold the site harmless in the event that a problem occurs").
Also, when in doubt, say more rather than less. Make sure to cover yourself for anything you can think of, from a hacker attack to an act of God. Few people read the fine print, but what you put in there could save you in court if something really out of the ordinary happens.
Tom
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