I never have, Ive been going 14 years. If you knew me you'd know what sort of properties my target market is and it isn't £10 3 bed semis, this is how it is for the market I work in, par for the course.
As I said for me, its simply me setting my stall out. Im sayng I expect to be paid and I expect to be paid promptly. If a customer thinks that unacceptable it gives them the opportunity to say so.
I find just the production of my terms helps to keep it simple mate, they know how I operate they tend to co-operate.
It isn't bolshy, rude or over the top; its simple, polite, easily understandable and acceptable. Most businesses have terms.