Troy.. yes, it has been answered but as people don't know what the poster's base knowledge of DNN is, it may still be too obscure.
In any case, editing the xml file will have no affect on this. You'll have to study how skins are created and how they work.
The skin file/s being used live on your site are the one/s with the ASCX extension. Those ASCX files are created by DNN by combining (parsing) the HTML and XML files that are in the skin package zip. Once the ASCX files are present, the HMTL/XML files are ignored unless you click the link in the skins page to reparse the skin. You can even delete those files from the skins folder.
In addition, you can't normally add a URL in the XML. The XML file will add specific attributes to HTML tags, but not add the tags themselves. (well.. There is a way to add tags, but it doesn't apply to what you're doing)
You need to either edit the HTML file and reparse the skin, or edit the ASCX file and then ensure you dont' reparse the skin.
The edit you need to make is to remove the Terms token from the HTML skin file and replace it with a proper hyperlink styled as Yehuda has said, or remove the tag with the Terms ID in the ASCX skin file and again replace it with a proper hyperlink.
Go and examine all of the files mentioned and it will start to make sense - it is very confusing to begin with.
Rob