Why not create one and ask if people would take a look at it for further suggestions and changes?
It may help you in the long run because if you're a business owner you will be doing plenty of writing, be that letters, proposals, invoicing.......and debt collecting.
Have you tried to search the internet for templates of terms and conditions? Some you may have to pay for but others may come free. Some sites may even contain their own terms and conditions for everyone to view - use that as a template and change it accordingly to suit your needs/requirments.