What are the terms of the license, in these templates, of user comments and other user materials published on the site?
Under the license as drafted in the templates, the user grants to the website publisher a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute the user's content in any existing or future media. The right to sub-license these rights, and the right to bring an action for infringement of these rights, are also granted to the publisher.
In some cases users may be wary of such a wide grant, and you may want to use a more restrictive license.
Can these terms and conditions be used on an ecommerce site?
They can be adapted for use on an ecommerce site, but they are not sufficient on their own for such a site. For example, an online shop selling products to consumers would also need terms and conditions of sale.
What restrictions are placed upon the things that a user is allowed to post on the website?
The terms and conditions restrict the publication of illegal and unlawful material on the website, as well as material that infringes third party legal rights (e.g. copyright).
Can't find the answer to your question? Then please ask.