I was trying out Wispr Flow and liked it a lot, but couldn’t use it for work in good conscience. You can turn off training, it’s got all the right certs, etc. but I spend all day long muttering our data classification standard under my breath so I know better. So I found Voibe and it’s fine. One hundred percent on-device dictation. Not as nice as Wispr Flow, but cheaper by the month. Its lifetime license is $99 and I just view that as a tax while Apple slowly improves its own voice dictation.
I guess I should also point out that it doesn’t have a mobile app, but Wispr Flow is yet another example of a good product hobbled by Apple’s sandboxing. I just use Apple voice dictation on my phone and it’s good enough for those use cases.