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I'm wondering where most people get their terms of service and privacy policy?

Do they hire lawyers or is there some generic terms and privacy policy I can find somewhere and do a "Insert name" kind of generation?

I mean, I'm sure yahoo's terms were written by a team of lawyers, but what about small sites like local insurance companies or something like a forum?

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https://forums.phpfreaks.com/topic/154949-terms-and-privacy-policy/
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