We appreciate you letting us know, deano3500,
If you are connected to a VPN, try disconnecting from it and see if you can then accept and have the notice stop appearing.
Also, do you have Screen Time enabled? If so, are you able to clear the notification for iCloud Terms & Conditions after disabling Screen Time? This article will guide you if you need it: Use Screen Time on your Mac - Apple Support
If you don't have Screen Time or a VPN enabled, or the notice is still appearing, we'd recommend that you contact Apple Support directly to investigate this further with you. They'd be best suited to help. You can reach them here: Contact - Official Apple Support
Take care!