What is a "personal cloud" in this context? I can't see how I could have full ownership of it since I didn't set it up and have no idea how it works. It comes

What is a "personal cloud" in this context? I can't see how I could have full ownership of it since I didn't set it up and have no idea how it works. It comes across as very 'black box' and hidden behind the scenes. Either way it's not self-hosted unless I'm the one doing the full setup from the start.