https://www.cloudflare.com/terms/
https://www.cloudflare.com/website-terms/ <- this one you quoted explicitly said it does not cover the one above, which applies to CDN/tunnel/etc
> THESE TERMS DO NOT APPLY TO YOUR ACCESS AND USE OF THE CLOUDFLARE PRODUCTS AND SERVICES THAT ARE PROVIDED UNDER THE SELF-SERVE SUBSCRIPTION AGREEMENT, THE ENTERPRISE SUBSCRIPTION AGREEMENT, OR OTHER WRITTEN AGREEMENT SIGNED BETWEEN YOU AND CLOUDFLARE (IF APPLICABLE).
ZTNA tunnels only work with a cloudflare account, so they're subject to the self-serve subscription agreement.
> You and your End Users (as such term is defined in the Privacy Policy) will retain all right, title and interest in and to any data, content, code, video, images or other materials of any type that you or your End Users transmit to or through the Services (collectively, “Customer Content”) in the form provided to Cloudflare. Subject to the terms of this Agreement, you hereby grant us a non-exclusive, fully sublicensable, worldwide, royalty-free right to collect, use, copy, store, transmit, modify and create derivative works of Customer Content, in each case to the extent necessary to provide the Services.
> 2. LICENSE GRANT TO CLOUDFLARE
> By submitting, posting, or publishing your content, suggestions, enhancement requests, recommendations, feedback, information, data, or comments (“Content”) to any Website or Online Service, you are granting Cloudflare a perpetual, irrevocable, worldwide, non-exclusive, royalty-free right and license (with the right to sublicense) to use, incorporate, exploit, display, perform, reproduce, distribute, and prepare derivative works of your Content.
https://www.cloudflare.com/en-gb/website-terms/