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three brains
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Not our site, but came across this page this morning, which we thought had helpful and easy to understand content on this topic, thought it might be useful background reading.

https://www.websitepolicies.com/blog/sample-privacy-policy-template

Other than protecting yourself legally, T&Cs and policies also help build trust with online browsers and shoppers. Unlikely anyone reads them, but reassures people that the site is legit when they are there.