There are plenty of laws that override terms and conditions. A one example, on many countries landlords can not throw out tenants on a whim. Telephone companies can not cut off service on a whim. There are similar laws for utility companies and banks. Arguably it's about time for similar laws for Apple, Google, and Microsoft who potentially hold the keys to your entire life.

That doesn't matter when it's illegal. Statute overrides contract.

In California at least it's actually tortious to offer certain illegal contracts of adhesion. That right is rarely exercised, but you do in fact have standing to sue simply because you were asked to sign a contract with clauses that oppose California public policy.