If you were a large corporation, it would be in your best interets to have an attorney draft up policies for you.
But since it just you doing this, you can do it yourself. I sell many products online and created my own Privacy Policy, Terms of Use, and Disclaimer policies. While there are sites on the web that will create policies for you, I would suggest that you go to several websites and see what sections and terms they give in their policies and then type it up yourself. Takes just a few minutes. Technically, these policies are copyrighted by the creator so you should not just copy it word for word; but there are millions of these on the web so don't worry too much about it if your policies are similar to others. They basically all say the same thing.