Yes. The Znote AI Cloud is just there to get started quickly. For regular use, connect your own OpenAI or OpenRouter API key — it's the cheapest way and you pay only for what you use.
It depends on your provider. The built-in Znote AI Cloud is online and only meant for trying things out. With your own API key (OpenAI, OpenRouter), queries go directly to that provider. For fully local AI, connect Ollama (LLaMA, Mistral…) on your own machine.