After this question, my mind, even informational icm sites must have a user agreement. What happens

Last year, I found myself in a serious lawsuit that could have cost me if I lost her six-digit found. The good news is that I had a great attourney that I can win the case. The bad news is I sued the jurisdiction of the other country. $ 40K - cost for me to fight and I win $ 30K respectively.
Fortunately, I was able to settle the suit much less experience in using business looked at me and started to protect myself. Over the next few months, I take my business to the LLC conversion and added a user agreement to all my product sites. That was enough?
In addition to selling physical products sites, I also have sites that are related to sales and AdSense income is the money. icm I also agree to not add a user to the site. I really think I needed it. I do not really sell anything.
After this question, my mind, even informational icm sites must have a user agreement. What happens icm if someone uses your personal information and they expect to get? You open yourself icm up to a lawsuit. What if a visitor to your site clicks on the affiliate icm link and it will take you to some of the sites referred to?
I spent a few hours searching for a good user agreement. User agreement I the physical product sites I posted was not really icm applicable to a site. I found a great resource for free Terms of Service located at this link.
It's free conditions may be good for most people, but for $ 15 I was able to purchase a more detailed agreement FindLegalForms.com. Since I decided to buy the contract governing the jurisdiction of the courts of the offering. Bascially this material requires anyone filing a lawsuit must be limited by the laws of the State of Tennessee. It also keeps the person filing the petition on the other side of the country and need to be shown to me, and fight with the object.
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