Does anyone know of a cloud accounting system that allows the user to make his own backups, and restore them if he wishes? I have steered clear of cloud accounting, as none of the systems I know of have this facility. It is essential, as we all know what disastrous things clients can do to their data, so there has to be a way of restoring from an earlier date.
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What would you be looking to restore the data into?
If the 'cloud' is down there is little that you could do with a backup of the same.
It may be pertinent to store appropriate human readable (PDF?) documents at relevant times.
EDIT - I see you are asking about 'client' disasters rather than 'provider' disasters.
The Kashflow system we use has the facility to schedule a monthly email of a csv file with all the data.
This can be sent to the client or the accountant.
Never had to use it thankfully!
You could create a hosted app using Microsoft Server technology that backups every hour allowing you to restore within seconds.
All this shows is a basic, laughable, misunderstanding of how cloud systems work in general. Maybe hire a computer technician you are so very clearly out of your depth.