My partner for my forum is just now setting up a forum using XenForo... We don't have a TOS yet. Legal mumbo jumbo is not my thing, nor his. I Googled "Generic Fourm TOS" and from the few that I looked at, well, they looked very cheesy. Did you come up with your own TOS? Did you buy a pre-made TOS? I also did a search on the forum here and couldn't find the answers I was looking for, though I did see some TOS discussion.