To have your Terms and Conditions created you can use Terms and Conditions Genrator, enter your data and it would automatically generate the text for you. It is also free.
In both cases, you can edit the text to best fulfill your needs and then you can copy and paste it on your website.
If any of these matches what you are looking for, you can always search it on Google. There are a lot of generator options for both topics.
We hope you enjoy it!