That was it Dmitri, you're a life saver!
public_html/storefront/view/default_html5/template/pages/checkout/payment.buttons.tpl
coded out the following (in case anyone else has this problem):
<!--<h3 id="returnPolicyModalLabel"><?php echo $text_agree_href_text; ?></h3>-->
Thank you much for the great support, you've been and are very helpful indeed
All the best,
Ron