I finished building a website for an online chess club which I am a member of. This is my first website. The site has blogging feature so the members can log in and write blog posts and comment on other posts. The membership is limited to users of an online chess site (freechess.org) and any member of that site can join this site as well. I was wondering, is it needed to put up a terms and conditions for my new website? If so, can I have a model of that? I searched and found some models but they are all for big sites that have e-commerce etc.