Re: "Unable to review and accept new iCloud terms & conditions for over a year"
The way I understand it, only those with up-to-date iOS versions are able to accept the new T & C.
See: If you can't accept iCloud Terms and Conditions - Apple Support
Yet Apple allowed /still allows those with earlier software versions to continue their use of iCloud.
Some of the newer iCloud features also require up-to-date software / security. The article:
System requirements for iCloud - Apple Support shows which features can be used by which iOS. versions
(Eg: To use iCloud you need at least iOS 10 on iPhone 5)
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Re: " I would like to go to the icloud and see what is there and how much memory is being used. "
Seems there should be nothing stopping you ?
Eg: What to do: If you can't connect or sign in to iCloud - Apple Support
How to use iCloud online: Sign in and use iCloud.com - Apple Support
How to: Check your iCloud storage on any device - Apple Support
How to: Check your iCloud storage on iCloud.com - Apple Support
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Resource: iCloud User Guide - Apple Support
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Else: If more help / support is needed: You can contact iCloud Support:
(There is a "Get Support" link (online chat, phone, eMail etc) at the bottom of their webpage (link below):
iCloud - Official Apple Support
or
Web-form for Feedback - iCloud - Apple
Feedback - iCloud - Apple