For a free host, just take whatever bits and pieces you want from other TOSs out there. Since there isn't any money changing hands, you really need an AUP (Acceptable Use Policy) and probably not such much a TOS, as the terms are pretty simple. You can terminate anyone anytime you like for any reason.
For paid hosting, you need a TOS to cover yourself in the event of a lawsuit. Don't have to worry about that with free hosting.