Should it be drafted by a lawyer? Should you copy from a competitor? The choice is ultimately yours, but remember that this is not an invincible shield against being sued but it allows you to be somewhat prepared in the event that you are. IP rights and such are so complex it can make you seasick and no one is better versed to navigate such treacherous waters than an experienced lawyer.
In regards to being “worth the money”, as of right now I would say yes. Although there is no set price, think about it this way; would it be worth to pay X amount now in order to avoid a lawsuit where you could possibly pay X amount times an exponential number? Attorneys are much more flexible with their pricing (i.e., flat fees) and accessible than ever before.
Lastly, you should avoid copying a terms of service agreement because each business is different and their terms are most likely tailored to their specific needs. Now that lawyers are more accessible, it might be worth engaging with one to figure out the nuts and bolts of your terms of service / user agreement to avoid some potential legal pitfalls early on. A savvy startup lawyer will put you in the best possible position to defend yourself if needed. If you’re interested in getting a cost effective one done pretty quickly, don’t hesitate to check outfor more information. Our Internet attorneys offer free consultations and affordable flat-fee pricing if you proceed w/ a project.