I've just gone to Appearance>Customize>Shop (Woocommerce)>Checkout
And in the text box for Terms and Conditions (The one that contains "
I have read and agree to the website [terms]" I have replaced it with the following ...
<p>I have read and agree to the <a href="/
terms-and-conditions/">
<font color="#FF0000">Terms & Conditions</font></a><font color="#FF0000"> </font>
including no refunds after items are shipped because of a change of mind. Items
must be returned for a refund for a change of mind. Also no refunds due to lost
or stolen Credit Cards or unauthorized use of Credit Cards for purchases made
before notifying your bank.</p>
Replace the /
terms-and-conditions/ with with your Terms and Conditions page URL.
The end result on the Checkout page ...
That would be lock tight legally as far as Paypal, Stripe or whoever is concerned if they agree to it and tick that box. It's right there in front of their face and there can be no complaints of it being hidden.