If you are in the middle of getting a website built, by a professional web design team, to conduct an online business, you may not have thought of the Terms of Use that are needed.
Commercial lawyers would tell you that these are needed to protect you as well as to inform users of your website what to expect when using your website.
Any visitors to your website become potential customers or clients and so need to have everything made clear to them about what you offer and what they should expect.