It is amusing to read that you first stick your neck out to assert that they absolutely do not collect our information in your first post, but then when pointed out - and rightly so - that they do need to collect our information in order to process it for all the services to function, your second post seems "Well you know, they may be collecting information but hey you can always opt out."
Where to start...
First of all: no one has "pointed out that they need to collect our information". Because they DO NOT NEED TO, according to their terms. Check again the quotes that you yourself posted. C'mon, it's all there!
Second, you seem to not understand the difference between "opt in" and "opt out". Or maybe you don't know those keyboards and are confused about their functionality? No worries, I'll explain.
SwiftKey, according to the terms that you posted (third paragraph),
only receives "language data" for users that
opt-in. So, users do
have to ask for it. If they don't, then SwiftKey won't receive language data. Easy! Anyway, note that SwiftKey "might" still receive other data, like "anonymous device, network, performance and usage statistics." But, did you realize? Nothing about what you actually
TYPE.
Got that? Good, because for Swype is the same. You got lost in some tangent about their outsourcing, but that is nonsense, because once more it is
opt in. If you
don't ask for it, they
don't get what you
TYPE.
Now, you seem to understand that me stating this is "sticking out my neck" for them. And yet it is me who is very explicitly referring to their terms and FAQs, without reinterpreting anything; they might be lying (like others have before), and then it was just a lie. Not our fault, they cheated us, end of the story.
But it's you who are wanting to reinterpret their terms and put the good players into the same bag of heavily suspicious players. It's you who is sticking your neck out for Microsoft, even though they don't even try: they just want your data! You are making a disservice to the good players and to the people who care.
You don't care? Good for you, do whatever you want. But don't trample on the difference, which is very real.
It's like saying we can opt out of Siri collecting data and limiting the features - features in context being Siri not replying to our questions.
Hell no, the Siri example is not even the opposite - it's worse. It doesn't even make sense to "opt out", because your data
has to be sent out. The only way to "opt out" is to not use it at all.
Which sums up nicely the reason why I am not comfortable about a keyboard which sends the data I type to a server. Why should I, given that I have 2 other keyboards which work perfectly locally?
Secondly, palmtops 10 years ago and computers 20 years ago or even dial-up Internet around the same time cannot possibly be compared to the devices we use now. The comparison is almost impractical. Correct me if I am wrong, but surely their connection to the outside world itself was very much rudimentary. They were almost like islands. Our palmtops never could turn down the temperatures at our home when we left from work, or print a document and have it ready by the time we reach our offices. Nor were the desktops around the circa you mentioned used by people to do their banking transactions at home. Ironically, people from that era would have found the concept of depositing a cheque by just taking a picture of it at their homes, to be funny.
What does "rudimentary" mean to you? Palmtops had bluetooth, wifi and cellular connections more than a decade ago.
Home automation with Palm Pilots in 2002:
https://web.archive.org/web/20020221071639/http://www.webconx.com/palm/x10.htm
Printing a document from a Palm a decade ago:
http://www.bachmannsoftware.com/pbprem.htm
I was using internet banking a decade ago from my desktop, and I am pretty sure I was not the first one. Not sure what your cheque photo example has to do with anything; the tech was in place long ago, but having banks realize that they can ease things for users is something more difficult than getting the tech.
But anyway it feels like you didn't get the point. Here we are, having phones with higher capabilities than
desktops had 10 years ago, and yet somehow sending typed text to a server for analysis sounds like a good idea. Mind you, we're not talking about OCRing, speech recognition or simultaneous translation: now, simple typing on our 64-bit, multi-core phones needs server-side analysis! WTF?
Data collection is real. Right from the threshold of your computer/phone to the outside world. Right from your ISP to the various services we use online everyday, to the targeted ad services, to the servers which store this data, to the companies that own these servers - all have their one ear eavesdropping at what we are up to. So now it's only about who you trust more with your data.
But OF COURSE it is real! And that is why I don't want to just send away everything I type. Even less to Microsoft, the company who
tripled access to the NSA when they bought Skype. The company who has made the rounds in the news lately because of their non-privacy policies in Windows 10. Yeah, for sure they only want to help me when they analyse all-of-my-typing.
Having said that, it is one's choice to limit their exposure. In fact I myself always recommend friends and people around me to limit their exposure as much as they plausibly can. That is why I love the Blackphone's concept. So yes, all said and done, your concern is valid. Albeit, we can hardly do much about it.
OF COURSE we can. You can start by not blindly accepting what they tell you.
Myself, I already said my easy solution: I will stay with my local keyboards, thank you very much.