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Before you shell out thousands - I’ll recommend option #2. There are “open source” legalese docs [0] you can start with - then hire a lawyer when your business gets some traction.
[0] For example Automattic (Wordpress parent company) has them under Creative Commons:
https://github.com/Automattic/legalmattic
Is option 1.5) available? Hire a "legal service" that has templates, pay 1-2k and get it mildly customised to your needs
That's actually a very good idea! Thanks.