So I’ve been playing this game with my brother and he was ahead and he invited me to co-op with him on it then I was like woah that’s a feature then he said yeah then he showed me where to go then it said cannot access due to local laws. Is there a fix to this?
Not that I know of, sorry. This is not the first time that an issue like this has come up and I am sorry to say that in both instances, this and the previous one there is no known solution. Sorry, I can't be more help.
I'm sure you must've figured this out by now, John, but here is a reddit thread which may help you with your issue.
It looks like it's a mix of the location you played in and your age. Once you've reached a certain age (or claim to be said age), you lose (or at least have the ability to opt out of) various privacy protections and should thus be able to do cloud storage and contracts at that time.
The only way to co-op and do contracts (also backup) is to reinstall the game. You need to be high age to do contracts and co-op. Once you have reinstalled the game, wait for the age limit pop up and then select a high age. Either you must have picked a too young age or you might have not gotten the age limit pop up. I also experienced this problem and had to reinstall.