There are times when you would will have visitors to your website who may have a different idea about the things that you have on your site and can sue you for that. If you have clearly stated such things and any disclaimers on the terms, you would be protected from such lawsuits because you have stated everything in the site even before any visitors have gone there. It will be your anchor and it will be your shield because the visitors of your site will have to follow the rules that you have stated in there because they are, as stated earlier, simply visitors.
To be on the safe side, you can actually go and have a professional do this for you. You may have to invest some money on this but it will definitely be a really good investment. The best person to do this would be an Internet lawyer as being on the legal side is a lot better and would keep you really safe.