Lee, Thanks for your suggestion. I had thought of the same thing for my account terms since I already have a link to my privacy policy included. So account terms is set up to require agreement to Terms and Conditions.
Note that with Guest checkout, there is no requirement to agree to Account terms, just checkout terms - so I was trying to see how I could add Terms and conditions + returns policy as items to agree to - I guess I could add a link to the returns policy from the Terms and Conditions as well and just use that for both Account and checkout terms. Other solution would be to disable Guest checkout but i figured that not doing so might also be a deal breaker for some.
Appreciate you taking the time to responde.