Legal Question in Business Law in California

Of course, the "cheapest" way is to "borrow" terms from another similar website; however, that would (1) violate someone's copyright and (2) presume that such terms were lawful and consistent with your business plan and risks. It is better to spend some funds (hopefully on a fixed fee basis) to obtain the assistance of a lawyer with experience in Internet law.

I do not know all the facts of your case, and I do not legally represent you. Although I strive to make sure the information I provide is generally accurate and useful, you should promptly consult a lawyer who can learn the details of your case more completely, to ensure that the information I provide, and your interpretation of it, is appropriate to your particular situation.

If you would like to discuss this matter further in a more private forum, please feel free to contact me directly at the email address provided by LawGuru or through my firm�s website located at BealBusinessLaw.com.

The 'cheapest' way is to stumble through and hack it together yourself with some generic or pilfered forms you find on web. That provides no assurance of effective, proper or complete language that protects you from various liability issues and other legal problems. The proper way is to hire counsel to do it right and treat it as a cost of doing business, like any other properly organized and run business. You didn't even mention forming a corporation, which is probably the first thing you should do to protect yourself. If serious about doing this right, feel free to contact me.