Hi Clive,
The code in Terms and Conditions section looks like it was copied from Word (note, Word code has compatiblity problems, not HTLM/CSS compliant). It has an inline style that's causing that spacing problem, i.e the margins.
style="text-align: justify; margin: 0cm 0cm 10pt"
It looks like the other sections have some Word copied elements as well. The class="MsoNormal" is a giveaway that's happened. Using the Word Paste tool on the editor Toolbars will help convert the Word code.
Danno