Add language about CFPB contribs. to a joint work

Making it clear that the work performed by us is in the Public Domain.

TERMS.md

@@ -1,13 +1,16 @@
 As a work of the United States Government, this package (excluding any
 exceptions listed below) is in the public domain within the United States.
 Additionally, we waive copyright and related rights in the work worldwide
-through the CC0 1.0 Universal public domain dedication.
+through the [CC0 1.0 Universal public domain dedication][CC0].
 
 Software source code previously released under an open source license and then
-modified by CFPB staff or its contractors is considered a "joint work" (see 17 USC § 101); 
-it is partially copyrighted, partially public domain, and as a whole is protected by
-the copyrights of the non-government authors and must be released according to
-the terms of the original open-source license.
+modified by CFPB staff or its contractors is considered a "joint work"
+(see 17 USC § 101); it is partially copyrighted, partially public domain,
+and as a whole is protected by the copyrights of the non-government authors and
+must be released according to the terms of the original open-source license.
+Segments written by CFPB staff, and by contractors who are developing software
+on behalf of CFPB are also in the public domain, and copyright and related
+rights for that work are waived through the CC0 1.0 Universal dedication.
 
 For further details, please see the CFPB [Source Code Policy][policy].