Creaste a spannbleString copy and add needed spans

MainActivity.kt

val termsCopy = SpannableString(termsText)

        for (annotation in annotations) {
            if (annotation.key == "action") {
                termsCopy.setSpan(
                    createClickSpan(annotation.value),
                    termsText.getSpanStart(annotation),
                    termsText.getSpanEnd(annotation),
                    SpannableString.SPAN_EXCLUSIVE_EXCLUSIVE
                )
            }
        }