In Europe/UK, it is established law that agreeing to TOS is not consent for everything in it, especially when referring to the use of personal data for things that aren't strictly necessary to do what the user has asked, and also especially given that in order for it to be consent freely given then there must be no difference in service depending on whether consent is given or not.

However, many companies reckon they'll get away with it, the enforcement is not universal and rapid, and I don't trust Zoom as far as I can throw it on this particular score.