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    Hi All!

    I’m starting an online business and need some guidance in the legal/security areas. My site has a dedicated IP and SSL certificate, but am not sure… do i need a ‘privacy policy’, or ‘terms of service’? If something were to happen, i.e. a clients information was intercepted and money taken from their account, who is liable for this? If there is a conflict over payment (they say they payed.. and there is no record of this) what is the risk to me? I’m looking forward to starting up but want to make sure that in the rare circumstance that something would go wrong I am covered.

    Thanks, Shane

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