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Your Online Terms and Conditions help protect you and your users. Be upfront and explain-legally-how your site works, what's okay, and what's not. This can include membership terms or what constitutes harassment on your site. When someone doesn't follow the rules, this is your avenue for restricting them or even banishing them from your site. After all, you want to make sure your site is enjoyable to the real users who make up your online community. Plus, this is one of the few legal trump cards site owners have.