Hello Trigger1174.
Thank you for using Apple Support Communities. It sounds like you're experiencing issues updating your iPhone. Specifically, your device freezes whenever you attempt to agree to the terms and conditions. If this is the case, we'd like to look into this issue with you.
First off, if your device becomes unresponsive, you can attempt to force restart it to see if that helps. If you're updating via your Settings menu, you can try to remove and download the update again. The following resources can help:
If your iPhone, iPad, or iPod touch won't turn on or is frozen
If your iPhone, iPad or iPod touch won't update
You'll want to follow the steps listed under "Remove and download the update again". If you continue to experience issues, we recommend that you follow the steps listed within this resource to get your device fully updated:
If your can't update or restore your iPhone, iPad, or iPod touch
This step will require you to use a computer in order to update your device. Always remember to create a backup of your data prior to attempting an update.
We hope this information is useful. Cheers.