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I am sorry you are having this concern, I will do my best to help you today.
To answer your question -> Use icloud to backup your photos, its really simply, follow this guide:
Open up Settings and tap on iCloud. From there tap on Photos. Then you are going to turn on iCloud Photo Library. This will automatically upload and store your entire library in iCloud to access photos and videos from all of your devices.
Let me know if you have any follow up questions. I am here to help you.
Yes you are backing it up - if you reset the device then you will loose. Use icloud to backup - photo stream is another option - you can turn that option on by again turning it on in iCloud