Software you use in a browser and pay for monthly, such as Microsoft 365 or QuickBooks Online, instead of installing it yourself.
Like renting a furnished office: the landlord looks after the building, and you still look after who has a key.
A five-person consulting firm ran their accounting on a desktop program on one PC. The PC died. The last backup was eight months old and the licence key was in an email nobody could find.
Cloud covers workspace administration: users and permissions across your SaaS tools, so the right people have the right access and leavers lose it. Unified Backups adds your own copy of the Microsoft 365 or Google data the vendor will not restore for you.
Example scenario: A small marketing studio counted its SaaS subscriptions during a review and found fourteen, three of them paid for ex-staff still holding logins. Cleaning the user lists cut the bill and closed three forgotten doors in one afternoon.
If it's in the cloud, is it the vendor's job to keep it secure?
They secure the service. You secure the accounts: who can log in, with what, and from where. Most SaaS breaches at small businesses are a weak login, which is on your side.
Every WILDCARD card exists to solve one named problem. Find yours.