new iCloud terms and conditions won't engage?

Hello jamesfromnederland,

Let's try to resolve the issue by accepting the Terms and Conditions after restarting the Mac using the steps here: Shut down or restart your Mac - Apple Support that are also below.

Restart your Mac

• "On your Mac, choose Apple menu  > Restart.
• If you don’t want app windows that are open to reopen when your Mac restarts, deselect 'Reopen windows when logging back in'."

If the issue still occurs, then our next step would be to test in safe mode. If you are not familiar with the safe mode steps, you can follow the steps here: How to use safe mode on your Mac to get it done. Once in safe mode, you'd want to use the Mac as you normally would to see if the issue occurs again. You can tell when the Mac is in safe mode because on the desktop it will show the words Safe Boot in the top right-hand corner of the screen. 

How to use safe mode

"Determine whether you're using a Mac with Apple silicon, then follow the appropriate steps:

Apple silicon

1. Shut down your Mac.
2. Turn on your Mac and continue to press and hold the power button until you see the startup options window.
3. Select your startup disk, then press and hold the Shift key while clicking “Continue in Safe Mode.”
4. Log in to your Mac. You might be asked to log in again.

Intel processor

1. Turn on or restart your Mac, then immediately press and hold the Shift key as your Mac starts up.
2. Release the key when you see the login window, then log in to your Mac. 
3. You might be asked to log in again. On either the first or second login window, you should see ”Safe Boot” in the upper-right corner of the window."

Best regards