No, we take privacy very seriously and SwiftKey does not collect any personal data without your explicit permission.
The warning message that says SwiftKey may be able to collect ‘all the text you type, including personal data like passwords and credit card numbers’ is a part of the Android operating system that appears when any third party keyboard is enabled.
SwiftKey personalizes its predictions based on your writing style but does not store personal data such as passwords or credit card numbers.
If you choose to personalize using services in the cloud such as Facebook, Gmail or Twitter, we use API authentication and so do not have access to your passwords for these services. All data is dealt with using anonymized requests.