You don’t have to but it’d be smart to. Most terms and conditions (T&Cs) will have a Choice of Law provision. This is a useful clause to include because it limits where a user can sue you. So, in the event of a dispute, the user will have to travel to your company’s state to seek remedies – assuming your Choice of Law & T&C agreement are enforceable.
If your website needs a solid T&C drafted then I invite you to consider. The Internet lawyers on our site have hooked up countless companies with custom drafted website agreement. It’s important to do it right (through a lawyer as opposed to a DIY template site) when it comes to things like T&C and privacy policies, as these agreements will dictate a lot if things go wrong between you and your users. Good luck w/ everything!