The most of your questions I think should be answered on the Admin userguide, Guid guide you can download from here. Joe Brinkman had post on a blog all links to the help files.

1.  do I just create a new website and import the french language pack. and set the new website to French (where can I do this?)
        You could install a new instance or add a new portal to a existing instance.  Then you can install the Frensh language pack and enable it on Language  settings.
2.  in my desktop modules,  how do I determine if it is currently displaying the french website or not?  
        If your modules have well formed localization you could also install languagepacks for it, or translate it on DNN Language with the language editor.
3.  The content of the website will be entered by users, am I correct if the users input french then it should just retreive the french text from SQL without any problem?
    Yes.
4.  For the disclaimer and term/condition,  in the skin,  how can I cater for different locale?
        Terms and Privacy are also localized and can be changed on the language with the language editor.  If you have pages with disclaimer / term and condition you have to use modules to create it, if you need it on multi-language you have to used ML-Modules.

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Regards

Matthias

DNN MVP

www.aarsys.de

Metro7 Skin

ShoutCastStats Module for DNN

thanks for the reply guys...  a lot clearer now..   haha.  but the problem is when I wrote my modules I didn't use the resource file locale thing at all,  well I guess I will have to make a start on that.

many thanks,

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Wilson