A few years ago, Google Docs restricted access to a family member's documents for 'suspected copyright infringement'. When asked about this, I could not find an infringement, and even if there was one it may have been permitted under the exception to copyright afforded to 'educational establishments' in the 1988 Copyrights, Designs and Patents Act here in Britain (the relative was a teacher).

Thus, another problem is the SaaS providers ignoring the legal jurisdiction you reside in, and restricting technically rights you have legally!