Hi becky_s22,
finally your post has solved the issue: I have signed out from iCloud (I was a bit scared about my iCloud data being deleted on the phone but it turned out to be fine) and then I have signed in again, choose Merge data from iCloud.
In a minute on my iPhone X I was out the **** of T&C that was bothering me since I've started using this iPhone.
I don't know if this problem is coming from initial setup.
In my case the initial setup was done restoring and encrypted backup from iPhone 6 with iTunes (Computer). Maybe restoring from iCloud was not giving this problem but I prefer iTunes encrypted because it allows me to keep wi-fi passwords.
Thanks.
Kind Regards,