This paper discusses cloud application services (SaaS) and emphasizes that a SaaS application's data architecture should be robust, secure, efficient, cost-effective, and highly manageable. It argues that multi-tenancy and a meta-data driven architecture can address these issues. The paper outlines three approaches to multi-tenant data management and describes concepts like a meta-data driven reference architecture and conceptual data model. It also compares green field SaaS implementation to migrating an existing application to a SaaS model, noting the latter requires more assessment.