         return titleLabel
     }
 
-    private func getTermsAndConditionsTextView() -> UITextView {
+    private func getTermsAndConditionsTextView(terms: PXTermsDto) -> UITextView {
         let termsAndConditionsText = UITextView()
         termsAndConditionsText.linkTextAttributes = [.foregroundColor: UIColor.white]
         termsAndConditionsText.delegate = self

        termsAndConditionsText.isEditable = false
        termsAndConditionsText.backgroundColor = .clear
        termsAndConditionsText.translatesAutoresizingMaskIntoConstraints = false
        return termsAndConditionsText
    }
}


        let consumerCreditsImage = getConsumerCreditsImageView(isDisabled: isDisabled)
        containerView.addSubview(consumerCreditsImage)
        let vertialMargin = isDisabled ? 0 : -creditsImageHeight/2
        NSLayoutConstraint.activate([
            PXLayout.setWidth(owner: consumerCreditsImage, width: creditsImageWidth),
            PXLayout.setHeight(owner: consumerCreditsImage, height: creditsImageHeight),
            PXLayout.centerHorizontally(view: consumerCreditsImage),
            PXLayout.centerVertically(view: consumerCreditsImage, to: containerView, withMargin: vertialMargin)
        ])

        if !isDisabled {
            //TITLE LABEL
            let titleLabel = getTitleLabel(creditsViewModel: creditsViewModel)
            containerView.addSubview(titleLabel)
            NSLayoutConstraint.activate([
                PXLayout.pinLeft(view: titleLabel, to: containerView, withMargin: margins),
                PXLayout.pinRight(view: titleLabel, to: containerView, withMargin: margins),
                PXLayout.put(view: titleLabel, onBottomOf: consumerCreditsImage)
            ])

            //TERMS AND CONDITIONS LABEL
            let termsAndConditionsText = getTermsAndConditionsTextView(terms: creditsViewModel.displayInfo.bottomText)
            containerView.addSubview(termsAndConditionsText)
            NSLayoutConstraint.activate([
                PXLayout.pinBottom(view: termsAndConditionsText, to: containerView, withMargin: margins - PXLayout.XXXS_MARGIN),
                PXLayout.pinLeft(view: termsAndConditionsText, to: containerView, withMargin: margins),
                PXLayout.pinRight(view: termsAndConditionsText, to: containerView, withMargin: margins)
                ])

            PXLayout.setHeight(owner: termsAndConditionsText, height: termsAndConditionsTextHeight).isActive = true
        }
    }
}

