New Update to the Microsoft Services Agreement
microsoft.com
microsoft.com
The wording is ambiguous, but it seems as if Microsoft is saying that they aren't responsible for other people stealing your copyrighted works or deleting(!) your health information. While that is technically true (i.e. you can't hold Facebook or Pinterest or Instagram liable if someone scrapes your public posts and resells the images/videos), the wording makes it sound like they are trying to discourage you from even using their services in the first place. It's a really odd way to get the point across; they could have done a much better job of it.
The HealthVault thing is particularly worrying; why call the service a "vault" if it can't prevent a third party from destroying the data?
Bad things happen and even if Microsoft did everything properly to protect the data, there is always the risk that user is sloppy with managing his credentials and 3rd party gains access to the account that way and deletes something.