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If you don't have a backup of your data that is in your physical control, then you are at risk. It doesn't matter if you're using "the cloud". By all means, use "the cloud" if you like. But keep a copy of your own data in case the service you're using stops working the way you'd like it to or loses your data entirely.

That backup is probably at more risk than what is in the cloud. Think about how many more people they have working on keeping that data safe and accessible.

I hope there are explicit guarantees for this. Otherwise I am not sure I had trust all my data to the benevolence of an an external entity.

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