I am at a point where I need to have a Terms of Service (TOS) page ready before I launch my SaaS product. Is there a template somewhere that I can use, or is this something that only a lawyer can help me with?
I don't have much experience with this myself, but I've looked into it, and I found the following questions helpful (although you may have already seen them):
Also the Wordpress TOS is licensed under Creative Commons and seems to be a popular one to use as a template/base for your own.
I don't see anything wrong with using one of these templates to start off with. However, once your product starts getting some traction I would definitely have one drawn up for me by an attorney.
Hope this helps!