Ask HN: What's the best plain-English TOS?

We're building a site that relies heavily on user-generated content. Pinterest has a great example of how to write terms in a legally-correct but overly-draconian-sounding way (http://news.ycombinator.com/item?id=3677393). I want to do better.

What are some great UGC sites with friendly, understandable, hey-the-lawyers-made-us-say-this-but-YOU-own-your-content terms?