Can you provide a sample terms & conditions and privacy policy document?
The terms & conditions, privacy policy, refunds policy, etc are all important documents that will protect you online if these are written and presented correctly. It is in your best interest to have these document scrutinised by a lawyer.
If you do not have any terms written up from before then you view this sample document provided by eWAY. This may allow you create a basic version that may help you save on some initial costs of having this document produce by a professional.