Is there a good resource for templates for those documents?
I based mine on these: UK BusinessLink Sample Policies, they're UK based though you'd have to remove references to UK Data Protection Act etc, but clear, and pleasingly free of dense legalese.
I've also come across a couple of privacy policy generators, but can't really comment on their output as we went with the above.
Picking specific bits from competitors can be helpful too.
From what I have seen, online privacy policy generators (do a Google search) can be very helpful, because they ask the right questions, and an entrepreneur can readily come up with appropriate answers.
Terms of use, on the other hand, should be much more company-specific. It is difficult for a non-lawyer to know (a) whether another company's terms are good and (b) whether there are important issues that are not addressed (appropriately) by the other company's terms.
Disclaimer: This information does not constitute legal advice and does not establish an attorney-client relationship.
I don't know if terms and conditions can be copyrighted, but I have previously gone to competitors and just copied their T&C's / privacy policy and tweaked as appropriate.
Using a generator or looking to your competitors is a great way to introduce yourself to the kinds of things that should be included in these documents, but I think it's worthwhile to spend time crafting your own version for a couple of reasons:
For my start-up I began with a generator like the ones other people have mentioned, and then I rewrote/removed/added sections until I liked the end result.