/**
 * @param array $fields
 * @return array
 */
add_filter('site-reviews/review-form/fields', function ($fields) {
    foreach ($fields as $key => &$field) {
        $name = $field['name'] ?? '';
        if ('terms' === $key || 'terms' === $name) {
            $field['checked'] = true;
        }
    }
    return $fields;
}, 20);