I personally don't know any freelance writer who would be professional (or honest?) enough to include a TOS when sending a link to pay for the service.
Your post implies that providing TOS necessarily means that an entity is "professional" and "honest" and that not providing TOS necessarily means that a freelance writer is unprofessional or dishonest.
Meanwhile, companies in myriad industries (including this industry) publish TOS statements that they routinely violate or that are designed to provide nothing more than plausible deniability for uses of their products that are illegal but that are actually much more expected than unexpected. For example, bong and rolling paper manufacturers whose TOS say their products are only intended for tobacco and some essay companies whose TOS warn that their product is never to be submitted for academic credit but that routinely fill hundreds of orders every year whose specs say things like "Please make shoor my essay no so much good English...my teechar noes my English no so good!"
As you know, some essay companies have TOS that say they never resell their products but do so anyway. The same is obviously true of plagiarism-scanning sites that store (and sell) scanned files despite TOS that promise they don't store anything submitted for scanning. Other times, so-called "reputable" companies (again, in myriad industries) use their TOS very deliberately to bury consent clauses in ways specifically intended to obtain "consent" for various things from users without those users every really recognizing what they're consenting to by using the site.
In fact, just recently, I had a very frustrating experience where a forum to which I belong maintained an extensive TOS page one of whose provisions expressly promised to provide the entity's mailing address upon request. Instead of providing it to me upon my polite request, that entity simply changed the TOS the very next day and just deleted that particular provision in its entirety. So, it seems more accurate to say that some legitimate, professional, and honest companies (in many industries) maintain TOS and that some illegitimate, unprofessional, and dishonest companies (in many industries) also maintain published TOS.
Some freelancers may provide a FAQ page that provides all the same basic info and warranties as a traditional "TOS" statement. Finally, you definitely know at least
one writer who's honest enough to alert customers to an entirely different and very real danger of sharing institutional credentials with writers that no writer who had any dishonest intentions for misusing that type of information would ever warn anybody about, especially very publicly. I believe it was in Post #12 above.
