What are legalities of copying a terms of use or privacy policy from a website like craigslist?

If I were to be developing a website similar to craigslist, kujiji, or other ad sites, what are legalities of copying a "terms of use" or "privacy policy" off of their website and use it on my own? I don't want to hire a lawyer to draft something that is so similiar with regard to liabilities, terms of use, and general nature of the site.