Terms and conditions?

Hey, I’m creating a website and I’m not sure what to do about the terms and conditions.
I’m a highschooler who’s making this for a creative outlet. Here’s a list of what the website involves.

-You can create an account to save pages to a library. You need to use an email to sign up and log in.
-You can leave star reviews based on how helpful a section was to you.
-You can contact the creator (me) through outlook.
-You can give tips to me if you really like the site. (In the future)

Do I need a terms and conditions? I don’t have a company and I don’t even have a credit card yet. Do I need it?

There is a lot of open source term and conditions generator use them.