...just go to the PROFILES tab, scroll down the page to the bottom/right box, you'll see SELLER DETAILS and MANAGE SELLER DETAILS....click SELLER DETAILS.....you will be brought to a page that allows you to enter your "policy" information for each category (payments, shipping, terms of sale "returns", about us, etc)
you can use the "text mode" or html editor, or the standard mode that gives you the bold, underline, colors, etc options if you don't the the html for it...
anyway....you fill out each section, hit "next" which brings you to the next policy section...when you're done, you name your policies....for instance...if you have different "terms" or policies for different items, you can create several seller details to accommodate your product line....so when you are in the listing template, after choosing your TEMPLATE, you use the drop-down window to select which "seller details" or policies match the item your selecting.
just do a dummy listing after you've created your seller details and hit PREVIEW....you'll see the seller details section show up with all your pre-typed terms in it.
hope that made sense...good luck!
cheers,
kathleen