ecommerce terms & conditions

[Pink Piglet]

Hi All,
Just in the process of building a website to sell shoes. I have been looking at some websites that sell T&C's along with private policies. Is it wise to just purchase the T&C's? I have had a look at a few sites but am scared....don't really understand all the jargon. Has anyone else purchased T&C's and if so, where from?
Many Thanks