I have a JD (US law degree), a PhD, and I own the IP Coyle Intellectual Property Agency ([login to view URL]). I have written dozens of such Terms of Use and related disclaimers/notices for my clients and their websites. I can probably get your project done in 1 day.
I will review your site, cross-reference with the sites of the similar businesses you mentioned in your post, present you with everything you need in a concise, easy to follow draft, and then I will receive your feedback and make adjustments until you are completely satisfied.
In fact, I just completed a similar job for an employer named "chooi" who gave me a perfect review for the project which you can see on my profile. I am ready to begin immediately and I look forward to hearing from you.
Sincerely,
Ian Coyle