Apple also knows where I live and where I drink my morning coffee (pls sea the other comment I made reguarding this).
Apple doesn’t. Your phone does.
If you have a contact card for yourself and have set it as ‘me’ than Apple of course knows everything on that contact card.
Apple does not.
Gee, I wonder how your address book shows up on icloud.com then. Magic?
And any day of the week, with their lawyers' approval, apple can release an update where they pester you with a fullscreen notification until the end of time asking you to upgrade to a new OS version where they do send all of that data back