I finally made up a basic TOS, it is in no way comprehensive, but I'm hoping it's enough for now. Anyone is free to copy it and use it and add your own stuff to it. If anyone sees flaws in it (I'm sure there are plenty) feel free to let me know here, don't want to be dragged to court at some point down the road for trying to make something fun.
http://www.fabletopia.com/tos.php