Where to get Free Legal Agreements? (TOS)

They have: 7 posts

Joined: May 2005

What do fellow webmasters do when it comes to putting legal agreements on their sites, such as:

- Terms of Service
- Privacy Policy
- Disclamers
- IP/Content Ownership Agreements (eg for forums)

I can not believe that all webmaster write their own, nor go to a lawyer. So where do people get these from?