I was concerned at first for personal info and privacy but I have read the entire SwiftKey privacy policy and my thoughts are a bit more quelled now. It seems to me your personal info and data are only transferred to the cloud if you sign up for a SwiftKey account. If you don't create an account your pers onal info such as user names and credit card numbers are only stored locally on your device and never leave and no one can access theM,at least this is my understanding. Curious to hear your thoughts...