Because a Terms and Conditions agreement is the agreement where you inform the users of your website about the rules, terms and guidelines that they need to follow in order to use and access your website, a Terms and Conditions agreement has become extremely important.
While it's not required by any laws currently (but third-parties such as may require it), through a Terms and Conditions you can maintain your rights to exclude certain users that may abuse your website or do not follow the rules you set
It doesn't really matter what kind of platform your website uses:
- Joomla, Drupal
- And so on
If you don't have this agreement for your website yet, use the Generator to create it!