Essentially once your website becomes interactive (meaning users actually coming onto the site), you should have a terms of service section. Your best bet is always to cover your own a– so you’re not dealing with a headache later down the line.
I hate to be that guy, but you should probably talk to a lawyer. They can steer you in the right direction about drafting your terms. I know this is the last thing a startup wants to hear (oh great, lets spend more money!), but having a lawyer on board early on can really help you out and save you a ton of time and money in the long run. The only reason I say this is because I have founded two separate tech startups myself, and I cannot tell you how important my lawyer has been throughout.
You should take a look at our site. We have many highly qualified, pre-vetted attorneys that specialize in tech related needs, such as drafting terms of service. You can connect with our attorneys 24/7 and complete nearly all of your legal work directly through out site, make the entire process much easier and convenient.
The biggest mistake websites will make is using standardized terms they find online. These boiler-plate forms often times will fail to fully protect your site, because each policy needs to be tailored to the use of each individual site. Once again, seeking some preliminary legal advice can really clarify a lot of these concerns.
I hope this answer is helpful! If you have any trouble finding a lawyer, or have any other questions legal questions about your site, please don’t hesitate to reach out and send me a message. Always happy to help!