Many free resources 1. WordPress.com allows you to modify their legal docs. https://en.wordpress.com/tos/. 2. Also this https://github.com/appdotnet/template-terms-of-service 3. https://www.shopify.co.za/tools/policy-generator/terms-and-conditions. I am not a lawyer. Use these only if you know what you are doing.
I've used Iubenda in the past. They cover a lot of stuff, but they're also a little expensive.