Hi there, @rlaufersky.

As of this time, the current limit when adding note or footer text on any template is 400 characters. However, you can consider sending your estimate through PDF and attaching your T&C's as mentioned on this thread.

I understand how beneficial to you and your company to add your T&C's when sending estimates. But I want to let you know that your voice matters and I'm submitting your feedback directly to our engineers.

For now, you can visit our blog site so you'll be able to get the latest news about QuickBooks and what our Product Care Team is working on. 

Please feel free to post any other questions you have below. The Community and I are always here to help you out.