User Agreement for website

I need a user agreement for my website where people can upload an image linking back to their website for free. It should cover all legal areas for such sites. It's a free service for now but may be changed to a pay site later on, so I need a provision for that too. No warranty/guarantees etc, and user agrees to waive liability etc for using the site. ## Deliverables The important thing is to cover all areas that would come with such a website. 1. Personal information is collected only for the website to make sure it's legitimate a user signing up, but not resold to 3rd parties 2. no warranty / guarantee said or implied. 3. not liable for any reason .. ie: site goes down etc.