IIUC this is only true if you "Allow full access"

From 3rd party keyboard agreement:

> If you do not enable Full Access, developers are not permitted to collect and transmit the data you type. Any unauthorized collection or transmission of this data without your permission would be a violation of their developer agreement. Furthermore, there are also technical limitations in effect to prevent unauthorized access.

Wanted to read more about this. Source of the text seems to be a pop-up in iOS if I understand it correctly: https://discussions.apple.com/thread/8519296?sortBy=rank

what do you lose if you don't give it "full access"?

gifs / stickers / search stuff

I doubt it does. If it did, it'd have learned basic declensions of basic words in Czech and Polish, because I've corrected it a million times already.

This is a very optimistic take on why Google bothers with data collection.

Turn off its internet access? That's what I do for my keyboard (owned by Microsoft but I'd probably still do that if it was made by the pope himself)