I am going to regret this but my day is turning out so "bad" (apparently i cant use the s word) i reckon I can handle it

Working on the premise that unless your turnover is above say half a mil T&C's are put on a website  a. because they should be there and people expect them b. nobody reads them so doesnt really matter what you put (exception people on geekzone or trademe forums followers) c. they could easily be generic

If we were in  usa or uk there are a multitude of sites that offer generic t&c's

Does anyone know of one here? as i have learn't to many times the hard way that New Zealand laws can be different to any where else on the planet (for example the time i was booked for driving 75 in a 100 zone because it was to slow)