[carpeperdiem]

I think I made the div

I added this css to
/common_files/modules/One_Page_Checkout/main.css

div.terms_n_conditions-checked
{
  display:none;
}

then I surrounded the input code in
/common_files/modules/One_Page_Checkout/opc_summary.tpl
with a div like this:

{*  COMMENT OUT TERMS CHECKBOX *}
<div class="terms_n_conditions-checked">
    <label for="accept_terms">
      <input type="checkbox" name="accept_terms" id="accept_terms" value="Y" checked="checked" />
      {$lng.txt_terms_and_conditions_note|substitute:"terms_url":"`$xcart_web_dir`/pages.php?alias=conditions":"privacy_url":"`$xcart_web_dir`/pages.php?alias=business"}
    </label>
  </div>

SO the checkbox is checked and simply hidden.
Some stores can't do this. (I also have a store that sells eGoods and not only must terms be checked, the user MUST read it in a popup before confirming, but that's OT)

HTH
J