Generate a full detail guide for business owners on creating a Terms of Service and Privacy Policy for their website. The guide must simplify legal requirements. It should include: 1. A clear explanation of the purpose of each document. 2. A detailed checklist of essential clauses for a Terms of Service. 3. A detailed checklist of what must be included in a Privacy Policy, especially regarding data collection (cookies, forms). 4. A list of reputable templates and generators. Please include a very strong disclaimer that this is not legal advice and an attorney must be consulted.