Hey Tracy. You can keep your Terms of Agreement in a separate file, and then just include it into all of your pages that need it with the <cfinclude> tag.
For example, say that your Terms of Agreement file is termsOfAgreement.cfm, and it is stored in your web root. You could include it into your pages as such:
and the code (or just text) that is in your termsOfAgreement.cfm file will be inserted right into the page where the <cfinclude> tag is.
So you can basically keep your terms of agreement in one place, and just include it everywhere that it is needed. You can also include any plain text file, such as if it were named termsOfAgreement.txt.
Hope that helps.