Why you need a terms and conditions policy
The purpose of it is to protect you, as a blogger, from readers doing weird stuff on from your site. While the majority of us know how to act online, some don't, and a T&C puts these readers on notice on what is acceptable behavior and what the consequences are for breaking those rules.
Different bloggers want different things, so it might not be in your best interest to completely copy someone else's legal document. For instance, your T&C might reassure your users that there won't be obscene content, or that it's okay to link back to it, and more.
It's best to view it as setting the tone and reputation for your blog.
You also must have it if you:
Collect personal data, utilize cookies or an online account system, involvement of third party merchant services, store information, third party access to data and more.
Some (not all) Elements that should be included in your T&C
- Responsibility for content on the site
- Copyright clauses
- Who owns the images on your site
- How you are moderating the comments
- Liability statement
- Visit blogs you respect and take a look at their PP and T&C for inspiration (but do not copy it!).
- Consider joining Electronic Frontier Foundation which will keep you up to date on blogger legal issues and blogger rights.
- Read this helpful guide: How to Protect Your Website from Liability