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Apple Developer rules

Now I have a question about the legal side of the issue.
If I want to have access to the users photo library, do I need to ask a users permission?
If yes, then how can I ask the permission and throw what?

It’s not a question of legality but rather a question of Privacy.

In order for your App to access the users photo library, you need to add a key:value pair into your Info.plist. The key name is Privacy - Photo Library Usage Description and the value needs to be a statement as to why the App needs access to the photo library.

Do I need to change my app privacy policy if my app didn’t use a users photo library before?

I don’t know. Hopefully someone else may be able to help with that question.

Technically you could, and tell people how their image is used. Here’s an example of my privacy policy for one of my apps