What should I use for terms and conditions?
It's recommended that your website has a terms and conditions page. I recommend you do your own research to learn what terms and conditions are specific for the type of industry you're in and services you offer.
While I can't offer legal advice, I can still provide a sample template you can use. I borrowed this directly from WordPress.com and WooCommerce.
All the details are in this document, including instructions for adding your name, address, etc...
To add this to your website you simply create a new page, title it, and add the link wherever you need it.