> ## Documentation Index
> Fetch the complete documentation index at: https://getoverlay.io/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Local versus cloud data

> What stays on the Mac vs what needs Overlay Server.

| Capability                  | Local              | Overlay Server |
| --------------------------- | ------------------ | -------------- |
| Notes / notebook files      | Yes                | Optional sync  |
| Local transcription helpers | Yes                | No             |
| Workspace / file tools      | Yes (permissioned) | No             |
| User-owned API keys         | Keychain on device | No             |
| Sign-in / account           | —                  | Yes            |
| Hosted models & policy      | —                  | Yes            |
| Billing / entitlements      | —                  | Yes            |
| Cloud sync & integrations   | —                  | Yes            |

The desktop app is not a standalone offline backend.