Where do you get your Terms and Conditions?

All service based sites should have some terms and conditions, but where
does a person get them? Do you just copy someone else's and make a few
tweaks, or would doing that get you in trouble?

Thanks for the input.

Once I worked at a company that had its own in-house council. He
wrote and maintained all the legal documents for the site, privacy
policy, terms and conditions, etc. Even if you do go the find and
tweak route, I'd at least get someone with a legal background to
review it.

I searched for 'terms and conditions templates' using Google and found this:

http://www.businesslink.gov.uk/bdotg/action/detail?type=RESOURCES&itemId=1076142035