Cloud Security?  Our information and contact lists are not secured?

How can phone contact names & #'s be updated without going through Cloud?
After reading the terms & conditions and privacy policy, it appears everything the cloud is used to do, is not secure.
It also goes out to almost anyone. 
Am I misreading this? 

I Also use Google.  I have switch carriers twice and switched device platforms.  There was no way to save my contacts and transfer them if I use a carriers cloud service.
as soon as I sign in to my google account on a new device, my contacts are loaded.

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