Or you can cut and paste the terms from some other web site. But who knows if those terms have anything to do with what happens on your site. The wrong terms can be worse than none at all. And it might be copyright infringement.
Instead, use Legull. Spend about five minutes answering some simple questions about your site, hit the button, and you have your terms. If you need to fine-tune them, or have a lawyer help with that, go ahead. Once generated, the Legull terms are fully editable. And when you change your site, you can update your answers to the Legull Q&A and re-publish your new terms.