In an era of ubiquitous broadband, smartphones, and users who manage multiple computers and devices, it just makes sense to move your email, photos, documents, calendar, notes, finances, and contacts to awesome web applications like Gmail, Evernote, Flickr, Google Docs, Mint, etc. But transferring your personal data to hosted web applications has its potential pitfalls, risks that get lost in all the hype around cloud-centric new products like Google's new Chrome OS or the iPhone. When you decide to move your data into the cloud, there are a few gotchas you should know about.