What is considered advisable practice

What is considered advisable practice

We have been using ZohoCRM for the last couple of month and concerned about datalosses, corruptions etc.
 
Is it possible that Zoho could lose all our data? - hacking and corruption included. or will it never happen X.
 
What is the best practice in terms of backup. Getting Zoho to do this on a regular basis and doing manually is long-winded.
 
Is there some routine (script or macro) one could run? What would you guys who have been using it for a long time advise.