If you do have a site that engages in e-commerce, you will also need a separate Terms of Sale to cover your transactions, guarantees, returns policy, etc. The kind of disclaimer you have will relate directly to the degree of risk involved in operating your website. This free disclaimer is aimed very much at websites that do not involve the provision of specific high risk services, professional advice or significant e-commerce. It will be ideal for an individual artist, personal website or information/content site aimed at generating Adsense revenue. It also has a section referring to links to other websites, which is useful for websites recommending affiliate products.
You may download, print, amend and reproduce the disclaimer notice only on condition that the links and credits at the end of the disclaimer are retained exactly as written without amendment and without 'nofollow' tags.
Your disclaimer example template is in the form of a Word Document, which you can download. You should then cut and paste this into a web page that you create for your Disclaimer. If you are not sure about how to add the credit links at the bottom of the disclaimer, you can see the HTML code here. If you are not the webmaster for your own site you will need to ask your web designer to do it for you. Once you upload it that's it! You can forget about it, knowing that you have that additional bit of protection which will help to discourage legal challenges.