Re: "New iCloud terms and conditions
when am pressing new iCloud term and condition to continue it says it action cannot be completed at this time"
See Apple support's online article: If you can't accept iCloud Terms and Conditions - Apple Support
As older software versions are unable to accept the new T & C, if you are unable to update to a recent OS version, seems Apple allows us to continue using iCloud without accepting the T & C.
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NB: If needed: At the bottom, the above linked article says:
:"Need more help?
Tell us more about what's happening, and we’ll suggest what you can do next.
Get suggestions "
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The current System Requirements for iCloud mean you may not be able to use some newer iCloud features,
as some new feature-requirements just surpass the capabilities of older hardware or software.
The article below explains the minimum system requirements for the various iCloud features..
So older software can generally still do many of the usual things on iCloud, as before:
System requirements for iCloud - Apple Support
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Re: "the access to InstA and WhatsApp all the apps the photo and camera access is not available option is not showing in my phone can it be resolved?"
Sorry I don't know.
(We also don't know what iPhone model and which software version you are using.)