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Good day, creativeedgecurb.
If you're referring to adding terms and conditions on the Message displayed section of your Estimate, then the reason for having not enough space is because it has a limit in character.
Message displayed on estimate - 1000 character limit
Message displayed on statement - 4000 character limit
To get more information about the feature limits in QuickBooks Online (QBO), check out this article. (Click the What are the character limits in fields? section): QuickBooks Online file size and feature limits.
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Keep in touch if you need any more assistance while working with estimates, or there's something else. I've got your back. Have a good day.
As another option, consider having an additional app to create an engagement letter as your T&C. It will be sent automatically with your Estimate.