Both state in their terms and conditions that it is the client's responsibility to source a backup of their data.
Whilst they both do a fantastic job of keeping your live data accessible, the data stored isn't actually backed up so if anything happened to your account or data, there isn't anything that can be restored.
Company Registration Number: 06966921
© 2023 Cloud4 Computers Ltd T/A Accounting Backup
VAT Number: 994 4430 87
Registered Address: Acorn Business Centre, Acorn Court, Leigh, Lancashire, WN7 3DD