iCloud terms and conditions

Try This

Go to Settings and tap your name.

Scroll down to the bottom and click "Sign Out."

Turn on the data that you want to keep a copy of on your device.

Click "Sign Out."

Tap "Sign Out" again.

Sign back in.

Once you have got past the T & C us this to restore your Notes for iOS 18.1

Open the Settings app.

Tap on your name at the top (aka your Apple Account settings).

Tap on iCloud.

Tap on Notes.

Turn on "Sync this iPhone" (green = on). If it is already on, turn it off and on again.

In the Notes app, wait several minutes for your notes to be restored from iCloud.

I signed out of iCloud and signed back in and it still won’t let me accept Terms & Conditions. What now?

Updating to 18.1 worked for me.

Glad to hear it