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It's a standard warning that's existed on Android for years.
When you give access to a third party keyboard, they have to disclose this kind of information.
There is the possibility that your data can be hijacked, and yes, you are granting system level access to a piece of software. It's assumption of risk.
It's legalese for saying that if you do it, and a third party steals your data, Apple is not liable.
Honestly, what do you think Evernote does? They have full access to whatever notes you put up on their site. Always have, always will.
I don't know about other 3rd party keyboard, but for SwiftKey, I have been using it since it was a paid app a few years ago on my Android devices. I have no problem whatsoever. We probably should worry more about all those health apps that are monitoring our health. You are willingly give away your heart rate and your exercise routine information. You don't know who they will sell those information to. That is far more scary.
Apple uses the data from your phone for its own diagnostics. It's buried inside the iTunes user agreement, for one.
If you use a smart phone, every thing that you do is tracked, stored, and analyzed by your mobile carrier, Apple, and the app developer.
No one is drilling down to the user level and seeing how many steps you took at x,y,z location and time. App developers collect the data to analyze general trends and figure out how people use their software. It's how features get added and developed.
It's not a matter of trust. Apple has been doing this for years. Microsoft was the only company that was truly honest about what them storing your emails on their servers meant, and it got them in a boatload of trouble. But, Google AND Apple analyze emails that come in to your inbox. How do you think you get tailored ads, app recommendations, etc?
Ain't? What's that?
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The third keyboards accessing to everything you type. Is this even secure enough to trust them? I'm curious because it feels a little intimidating.....
They make it sound like a bad thing. It's what I perceive tho.