The wisest pilot I have ever known was also a designated examiner for the FAA.
He gave me all my checkrides , pvt, coml single, coml multi, instrument , CFI, CFII, MEI. Had to take my ATP with someone else.
ANYWAY, I asked him the same sort of question. He asked me what the right answer was and I SAID: IF you have to ask if it is a cloud or not, IT IS A CLOUD and you have to maintain VFR cloud separation. He laughed and agreed. He even mentioned a time that he was giving a checkride and the examinee went right through a cloud 2 minutes after takeoff. He said, turn around and land and failed the guy on the spot. He violated a fundamental regulation.
So, it is a cloud and you should maintain VFR.
This assumes you are not instrument rated (USA) and not on an instrument clearance.