Let's blow away the swirls of mist surrounding internet based services. What we see is a complex technical infrastructure which, as consumers, we don't need to understand and extremely simple Terms and Conditions which we do understand but wish we didn't. Starting with Google, their services are generally free, generally "in beta" (a jargon term meaning unstable) and have no guarantee of being available. Moving on to the paying services their Terms and Conditions are as close to the Google model as possible. Now let's look at what is really important - your treasured data whether it be accounts or family photos. Unless you have a copy of this data under your control you should assume that it is not important and can be lost at any time. Never has it been easier to copy and propagate data so all your personal data should be dispersed amongst trusted friends and family. If you are a big company you can hire serious,unsmiling suits to deal with all the commercial and legal stuff. For the individual creative person in a small, self-owned business it's a lot harder. I have some experience in this field - contact me and we can start a conversation about removing your concerns about computing and result in more time for you to do the real creative work. The world has too many computers but not enough creative people!