You can always use HostLegal's documents as a template, they cover most of the things but its fairly general. You will definitely need to find out more about your local governing law and add/modify the terms documents accordingly.
You have to look in to your upstream (reseller) providers TOS and make your own TOS according to your needs and local government rules and regulations. Also you have to make it comply with your payment gateway tos.
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A standard guideline would be to make sure your ToS has similar terms as your provider's ToS. Ultimately, your clients are still hosted on your provider's server and their websites should conform to their ToS. You may also consider adding new terms to align yourself with local laws if necessary.
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