Okay I get that, but why do I need one?
A user decides to upload a file to your website that violates the copyright of someone else and your website gets sued for it; you can make the user pay for all of the legal costs associated with it.
Document your ownership of content and any intellectual property rights
Prohibit specific activity when using the website (e.g., copying, spamming, adding malware, etc.)
Outline any "Member's Only" section details (e.g., user IDs, passwords, removal of accounts)
Reserve your right to modify the website at any time
Provide any terms related to any transactions or sales conducted on the website
Document any disclaimers that are specific to your business
Share how disputes regarding the website will be handled (e.g., mediation, arbitration, or in court)
Limit your liability for any disputes related to the website
That doesn't sound great. Is there a better way?