One way to think of the contracts piece is as a RocketLawyer or LegalZoom verticalized for freelancers. We provide contracts that are written and maintained specifically for freelancers, and that beats 99.9% of the generic templates you'll find on the internet.

The fact is, nothing beats having a lawyer create and review every one of your contracts. However, that's simply not feasible for most freelancers. Our goal is then to provide something straightforward enough that will cover the majority of issues in the majority of cases.

Re the disclaimer, it's actually completely standard for any site that touches legal issues or content.

Check out the TOS of RocketLawyer (https://www.rocketlawyer.com/ter...) or LegalZoom (https://www.legalzoom.com/legal/...), two huge companies and pioneers in the field, and you'll find the same there.