How to write PP,T.O.S and Refund Policy ?

Hello guys!
I need some help to write the Privacy Policy, Terms Of Service, and Refund Policy page for my upcoming Dropshippining website.

Are these general pages for different types of websites? ( can i copy and paste it from other webesites? )
Are those online generators safe to use? ( like shopify T.O.S generator? )

What is a must to state on those pages?
Any neccessary info related to this would be appreciated.
Thank you

Look for ready made templates and generators and edit as required.
https://www.google.com/search?q=Privacy+Policy+Template
https://www.google.com/search?q=Terms+Of+Service+Template
https://www.google.com/search?q=Refund+Policy+Template
Obviously to be 100% sure that you are legally safe, you would need to consult a Solicitor/Lawyer.

Also make sure you always customize any deliveries, refunds and replacement policies. Just because someone offers a 30-day refund, doesn't mean you should.

Other than that, Terms of Services and Privacy policy are pretty much the same almost everywhere (with a few exceptions).

Of course you can copy and paste it to prevent missing vital information, just adjust it to your needs though.

Thank you for the advices.
Another related question.
How about the Shipping method. Is it better to make a Specific page dedicated to the shippping times
or is it better to write it on every product description page ( or like a pop up when checking single product)?