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> once you've decided its very difficult to change.

Can't speak for iCloud, but getting your data out of Google is pretty straightforward - it's well documented at [0]. How often do you want to do this though?

> I'm not sure what happens if you miss a few payments - do you lose your photos?

A quick google answers this question [1], if you stop paying and ignore the messages for 2 years your data _may_ be deleted.

> If you die can anyone else get access?

Again, a quick google says yes, if you set it up [2].

> Incidentally Google Cloud has lost some of my photos.

What do you mean by this? Google cloud or Google Photos? I would love to hear more about google photos losing data, I've _never_ heard of it (yet I have witnessed bit rot on physical media, or flash drives just getting lost).

[0] https://support.google.com/accounts/answer/3024190

[1] https://support.google.com/drive/answer/2736362

[2] https://support.google.com/accounts/troubleshooter/6357590



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