I'm looking to start a business, which will require terms and conditions for 'purchasers' and for 'users' (two distinct entities). There is a company within the marketplace who whilst is similar in some respects, isn't exactly the same as my offering. However, they have some fairly 'handy' T&Cs for the 'purchasers' who may use them or my own company. Although my product will differ from the competitor, there are many similarities. Is it legal to pinch the other company's T&Cs to use myself, albeit adjusted for my own purposes. My concern is that in some parts I will not need to change the document other than company names - is doing this an infringement of any kind?