These pages are mandatory important accourding to the google adsense policy. Google adsense made a rule that every site must have these pages to get the adsense approval easily. There are many tools available on the internet where you can easily generate these pages accourding to your niche.
If you want to get your Adsense account approved fast you just need to make this pages on your site (Terms and conditions, privacy policy, Disclaimer, contact us, and about us page) it will help your blog to look like a website.
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