Chancging onilne privacy settings on Xbox.com

im trying to change the "Create and join clubs" setting and my account is an adult account

And yes i cant join "Realms" in Minecraft due to this

Are you going to https://account.microsoft.com/account/privacy ?

I've also had issues changing my settings before on xbox.com, so I primarily just use the Xbox app now on my phone, or change them on the console. If you aren't on your console, it seems to be more reliable in my experience to use the app. You can also
use the Xbox app on a laptop or computer, which also seems to work fine. Good luck, I hope that works for you if xbox.com still isn't cooperating.

no, im going here:

https://account.xbox.com/sv-SE/Settings?wa=wsignin1.0&activetab=main:privacytab

Hello SL4SHthegamer,

Thank you for posting here on the xbox forums. Can you let us know exactly what setting you are trying to change? Are you not able to do some things in game due to privacy settings?

Are you under the age of 18? if so, you would have to have an adult account in your family change your privacy settings for you. If there is no adult in your family, you would need to add one.