"Is it a good idea to download a disclaimer from other similar websites and change a little bit based on my own situation?"
I believe this is called copywrite infringement.
You might contact the webmaster and ask and most likely they'll be more than happy to give you permission. Make a copy of that, "Sure, go ahead, dude" e-mail and store it in a VERY safe place.
Lanre,
How is this a, "Home Run"?
Paul