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Settings → General → Keyboard → Keyboards → Add New Keyboard → Smart Keyboard. Then open "Smart Keyboard" and enable "Allow Full Access" for the AI features.
The AI features send the text you explicitly submit to our secure server (France) for processing. Basic typing and spell-checking work without Full Access.
Settings → your name (Apple ID) → Subscriptions. There you can turn off automatic renewal. Refunds are handled by Apple via reportaproblem.apple.com.
See also the privacy policy and the terms of use.