Might be a good start for a Saas: https://en.wordpress.com/tos/
1. Search my competitors and collect 3-4 ToS pages
2. Read each of them and copy their paragraphs into mine
3. Re-word some to make sure my ToS is unique. If something is too confusing or too much, delete.
4. Stop worry about it until my startup gets some traction.
The whole process should not take more than 2-3 hours. If you pay $$ or take days on ToS while your startup is not even getting traction, you're doing something seriously wrong (in term of time spent).
I'm worried in case of data loss, being hacked or site instability, I will get myself sued. I want to state the possibility of those unpredicted events in the terms and conditions.