I know this is how you get the content of Terms and Condition,
<?php if (!$this->getAgreements()) return; ?>
<form action="" id="checkout-agreements" onsubmit="return false;">
<ol>
<?php foreach ($this->getAgreements() as $_a): ?>
<li>
<div id="agreement-block-<?php echo $_a->getId();?>" class="agreement-content <?php if (Mage::helper('opc')->getTermsType()):?>hidden<?php endif?>"<?php echo ($_a->getContentHeight() ? ' style="height:' . $_a->getContentHeight() . '"' : '')?>>
<?php if ($_a->getIsHtml()):?>
<?php echo $_a->getContent() ?>
<?php else:?>
<?php echo nl2br($this->htmlEscape($_a->getContent())) ?>
<?php endif; ?>
</div>
<div class="form-group checkbox">
<label>
<input type="checkbox" id="agreement-<?php echo $_a->getId()?>" name="agreement[<?php echo $_a->getId()?>]" value="1" title="<?php echo $this->htmlEscape($_a->getCheckboxText()) ?>" />
<a class="button-cart-simple button-agreement" data-id="<?php echo $_a->getId();?>" data-toggle="modal" data-target="#myModal"><?php echo $_a->getIsHtml() ? $_a->getCheckboxText() : $this->htmlEscape($_a->getCheckboxText()) ?></a>
</label>
</div>
</li>
<?php endforeach ?>
</ol>
</form>
But can I access this page by using URL?
You can get Term condition value in where in magento using below code
if (Mage::getStoreConfigFlag('checkout/options/enable_agreements')) {
$agreements = Mage::getModel('checkout/agreement')->getCollection()
->addStoreFilter(Mage::app()->getStore()->getId())
->addFieldToFilter('is_active', 1);
}