I find the option of adding terms and conditions (TOC) to an estimate useful and I set up the integrated Zoho Sign to require signing the estimate if acceptable. There is one glaring problem, I believe.

While those TOC are visible on the PDF version, there is not even a hint of them when a client first opens the estimate. They can see all the math but the details stop at the total amount. There is a link to open that PDF but realistically, not everyone would do it. That red Accept button on top is just too inviting to proceed. Next, a window opens to capture the signature and the process is over.

I just see someone telling me that they never saw TOC before signing, that they were under assumption of signing off the displayed itemized amount due and no other legal terms. This could cause problem or harm to business. (Yes, I know I can send a separate contract via Zoho Sign but if it was decided to include TOC/Annexure in the estimate, it needs to be implemented without loopholes.)

What I think would be safer and clearer to all is displaying the entire estimate, including TOC and Annexure on the same page where the Accept button is. Preferably, that button needs to be at the bottom, not on top (again, so that they wouldn't say they didn't realize they need to scroll down.

It does not look like a complicated feature... just adding text to a webpage. I really hope this could be implemented soon. Thank you for your attention to this.