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Cloud computing for personal use is emerging as a trend in computer industries. Service providers of cloud computing needs to control user access from business perspective. the essential business characteristics of cloud computing are payment status and service level agreement. This work proposes a novel access control method for personal cloud service business. This proposed method comprises of the metadata, policy analysis rules, and access denying rules. the metadata defines the structure of access control policies and user requirement for cloud service. the policy analysis rules analyze conflicts and redundancies between access control policies. the access denying rules inhibits inappropriate access according to policies. Ontology is a theoretical foundation in this method. Payment status ontology, access permission ontology, service level ontology, and cloud ontology are used in this work to provide semantic information for rule execution. a scenario of personal data backup cloud service is also provided in this work. in the expectation, this method can provide a convenient way for cloud service providers to control user access according to changeable business and marketing strategies.