Many sites post "terms and conditions" somewhere on the site. Do you need them, too? If you have anything more than a small, information-only site, you probably do, covering topics like copyright, returns, and limiting your liability.
If your site sells products, you may need notices regarding credit card use, refunds, and returns (known as "transaction conditions"). For example, you might want to announce that your business will accept returns up to 30 days after purchase.
You may also want to include disclaimers -- statements that inform customers that you won't be liable for certain kinds of losses that might incur. For example, you may disclaim responsibility for losses that result if pottery breaks when a customer ships it back for return.
If your site provides space for chats or postings from the Web-surfing public, you'll want to limit your liability from offensive or libelous postings or similar chat room comments. There are three things you can do:
Regardless of what your site does, you should include notices regarding copyright and trademark -- for example "Copyright © 2006 RichandAndrea.com" or "Cyzuki is a trademark of Cynthia Lloyd."
If you want to use someone else's work on your website, read the following article: Getting Permission to Publish: Ten Tips for Webmasters.
If you are catering to an audience under 13 years old, special rules apply. You should learn more about dealing with children at the Federal Trade Commission's website, www.ftc.gov/privacy/privacyinitiatives/childrens.html.