It is possible to generate a free privacy policy, although in my case that required selecting "no" when asked if I would pass over user details if faced with a subpoena (allowing for the possibility I might choose to comply would have been $3). It strikes me as highly unlikely that refusing to respond to a subpoena would have no serious ramifications, and I'd expect any information service with any shred of credibility to offer a view on that, and whether if I preferred to live dangerously, noncompliance with a subpoena is really a worse alternative than complying with a subpoena without express prior acknowledgment I might do so in the t&cs.
Of course, a decent general explanation is perhaps less likely to result in me paying for a "100% free" set of documents to "prevent legal issues" that are, according to this site's extremely short terms of use, "provided without any warranty, express or implied, including as to their legal effect and completeness".
Frankly I'd be more comfortable writing my own t&cs than trusting these guys...