Is data stored on the cloud encrypted?
After 14 days, are clips get completely deleted ? or it is moved to cold storage that are not accessible to users?
How to completely stop sending clips to the cloud, is it by just disable all detection (motion, sound, ,etc)?
Is there a way to store events on the SD card only and not on the cloud?
You are correct that if you disable motion, sound, smoke and CO detection, then no clips are ever sent to the cloud.
With those disabled, you may still have motion events being stored to the microSD card installed in the camera and not to the cloud.
EDIT: link repaired
The article explains the connection to the cloud but not the content in the cloud.