How to embed a contract or T&C into the QBO estimate?

You can use the Attachment feature to embed a contract while creating an estimate, 9130349573494066.

I'll show you the steps.

1. Click + New, then choose Estimate.
2. Enter a customer from the Customer drop-down.
3. If the work has already started, select a status from the Pending ▼ drop-down. This is optional.
4. Set the Estimate date and the optional Expiration date.
5. Enter the products and services you plan to sell.
6. Enter any other info you need.
7. Click Attachments and find the file you want to include.
   
8. When you're ready, click Save.

You can find more details about this and see what file types are supported: Add or delete attachments in QuickBooks Online.

Creating an estimate is part of the progress invoicing process. You can convert it to an invoice once the project is done. Use this article for instructions and detailed steps: Learn how to send invoices over time as you work off an estimate in QuickBooks.

Please let me know if you need clarification about this, or if there's anything else I can do for you. I'll be standing by for your response @9130349573494066. May you have a wonderful weekend ahead!

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If you run a service company, consider having a proposal management app to integrate with QBO. You will send an estimate (+ multi options if available) with an engagement letter as T&C. When your client approves it electronically, the app will generate and send an invoice automatically. This app is only suitable if you do not accept payments via QB Payments.