It can definitely be confusing, let me explain how it works.
Cloud Events
Cloud events by default recording a thumbnail on motion with a 5 min cooldown. These thumbnails are visible in the “events” tab at the bottom of the app. With cam plus lite, a pay what you want (even $0) subscription you get those snapshots turned to 12s event videos, with a 5 min cooldown and person detection. With cam plus, you get unlimited length event videos with no cooldown, and other AI detections.
SD Card
SD card recordings are enabled when you go into the cams settings > advanced settings > micro sd card storage. These are viewable in the “playback” button at the bottom of the live stream. They don’t require any subscriptions, and are all saved to the micro sd card.
Phone Storage
Anytime you use the “Take Photo”, “Record” buttons, it’s saved straight to your devices photo album. The “Timelapse” is saved to the micro sd card, and viewable in the “Album”. Accessible from live view > … > album.
Hopefully that clears things up, it’s confusing at first!