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A personal cloud can take on a slightly different meaning depending on the implementation. First, is where the personal cloud is a storage appliance that can be accessed wirelessly or over the Internet. The second is any cloud computing service that is targeted at home consumers. In the first instance, you control the hardware, in the second, a 3rd party service provider controls the hardware.
In either instance, the term is somewhat of a marketing buzzword and doesn't have a precise technical definition. You could cynically say that a personal cloud is really just an external hard drive that you expose to the Internet with a simple front-end interface.