Should I ever store my seed phrase on my phone or in the cloud?

No. A seed phrase stored on a phone, in a notes app, in cloud storage, in email, or in a screenshot is exposed to anything that can reach that device or account. Phones get lost, accounts get breached, and synced photos travel further than you expect. The safest place for a seed phrase is offline and physical: clearly written on paper or stamped into metal, kept somewhere secure. Make at least two copies in separate locations to guard against fire or loss. Keeping the phrase off the internet is the single habit that prevents the most common form of permanent crypto loss.