The distinction that determines this is whether somebody can enter into an agreement on your website. A site that describes services and invites contact creates no contract, and the actual agreement happens later in a proposal or an engagement letter. A site where somebody can buy, book, or subscribe is forming a contract at the point they click, and the terms are what that contract contains.
For a transactional site the terms carry real weight because they are the only agreement. What you are selling, when payment is taken, what happens if somebody cancels, your refund position, delivery timescales, and what you are and are not responsible for if something goes wrong. Absent those, the default position is whatever consumer law provides, which is frequently more generous to the customer than you intended.
The refund and cancellation clauses are the ones customers actually read and the ones that get relied on. Write them to say what you will genuinely do rather than the most protective position available, because a clear and reasonably generous policy increases conversion measurably and an unenforced restrictive one produces disputes.
Limitation of liability is the clause most often copied without understanding, and it is worth attention. It caps what you would owe if something you provided caused a loss, and there are limits on how far it can go, particularly against consumers. A clause attempting to exclude everything is frequently unenforceable and reads badly, whereas a proportionate one is standard and accepted.
For a brochure site the honest answer is that terms add little. There is no transaction to govern, the actual agreement is elsewhere, and a page of terms about a site that only displays information is decoration. What that site genuinely needs is a privacy policy, because a contact form and analytics both collect personal information.
Where terms become useful before you transact is anything with an account, a download, a community feature, or user submitted content. Each of those creates a relationship the site itself governs, and that is the point at which the document has something to do.
Make them findable rather than only present, linked from the footer and from wherever somebody commits. A term nobody could reasonably have seen before agreeing is considerably harder to rely on, and a checkbox at checkout referencing the page is the standard arrangement for a reason.
Then review them when what you sell changes, since terms written for one offering rarely describe another. Adding a subscription, a physical product, or anything with a delivery obligation changes what needs covering, and a document describing the previous business is worse than none. This is general information rather than legal advice, and anything transactional is worth a review by somebody qualified.
Record when somebody accepted them and which version, since terms change and the ones that apply are the ones in force at the time of purchase. Platforms handle this automatically and a manually built site frequently does not, which makes a dispute about what was agreed considerably harder to resolve.
Keep them separate from your privacy policy rather than combining the two, because they serve different purposes and different rules govern each. A single page attempting both tends to satisfy neither properly and is harder for a reader to navigate to the part that concerns them.
Write them in plain language rather than borrowed legalese, since terms nobody can understand are harder to rely on and read as evasive.