Your URL did help shed light on what "cloud" meant to DLink. So in a nutshell, it sounds as if "cloud" to DLink means that you can log into the "mydlink" website and that will allow you to remotely view files on your 320L or webcams attached to your 320L.
I then downloaded the manual for the 320L and it appears to indicate that creating an account on "mydlink" is optional, which is great as I just do not want any attachment beyond my LAN for my NAS.
The other thing I care about was if I can set up the 320L without having to install any software on my PC, and although all tutorials I found only show how to set up a 320L using the supplied DLink installation software, the manual seemed to allude that it is possible to set it up manually just like we used to do on the DNS-323, which his great as I do not want to install any software on any of my PCs.
So it sounds like I can install and set up a 320L just like I did my good old faithful DNS-323 which has been running flawlessly 24 hours a day for over 5 years now (meaning it is possible to instal it using a simple manual set up, without any software installation required on a PC, without any "cloud" accounts being created, and without any monitoring of the 320L by outside URLs).
If I made a mistake in the summary please let me know, otherwise thanks for the help.