Terms and conditions for payments received for my business

I am looking for a freelancer to help me create terms and conditions for payments received for my service-based business. Although I have a rough idea of what I want to include, I would appreciate expert guidance in finalizing the clauses. Additionally, I am not sure if I want to include any specific restrictions on the use of my products or services.

Ideal Skills and Experience:
- Experience in drafting terms and conditions for service-based businesses
- Strong understanding of payment processing and industry regulations
- Excellent communication skills to effectively guide and advise on the inclusion of specific clauses
- Ability to provide options and recommendations for restrictions on product or service use