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SIDE-BY-SIDE · 2 OF 3
Two platforms.
Same questions.
Bing Copilot
ENTERPRISE SEARCH / PRODUCTIVITY
PROMPT
Microsoft does not claim ownership of user inputs to AI services.
OUTPUT
Output IP left to user determination per Microsoft Services Agreement.
TRAINING
Consumer product. Search/AI queries may be used to improve Bing. Training use not clearly excluded for consumer tier.
COMMERCIAL
Designated for personal and non-commercial use in Microsoft's consumer Services Agreement.
438 verified findings across the displayed surfaces.
Focal
WORKFLOW & AUTOMATION
PROMPT
Users retain nominal ownership of their submitted inputs ('Your Inputs'), but grant Focal a non-exclusive, royalty-free license to process that content for operation and maintenance of the Service. Metadata such as keywords or location data associated with content is also collected. Focal reserves the right to remove, edit, or delete any submitted content at any time without prior notice. No explicit assertion that users retain full exclusive ownership is made.
OUTPUT
Focal claims broad rights over outputs. Users are granted only monitoring rights, not exclusive ownership, over 'Your Outputs.' Focal holds a worldwide, royalty-free, transferable, sublicensable, and irrevocable (for so long as content is stored) license to access, use, reproduce, distribute, publish, modify, and otherwise process both inputs and outputs. A separate perpetual, worldwide, royalty-free, transferable, and sublicensable license is also granted specifically for model-training and improvement activities. Output ownership in any strong proprietary sense is not affirmed for users.
TRAINING
Training use is explicitly and broadly confirmed across multiple surfaces. The Privacy Policy states personal information may be used to 'train our artificial intelligence models' and that de-identified or anonymized data may be shared with third parties to train proprietary algorithms or machine learning systems. The AI Addendum separately states users acknowledge and agree that Inputs, Outputs, and all interactions with the Service may be used for training, enhancing, and improving machine learning models and algorithms. No opt-out from training use is described in the cited materials.
COMMERCIAL
Commercial use of outputs is restricted by default. Unless a user has subscribed to a plan that expressly permits it, monetizing, commercializing, or using outputs for any commercial purpose is prohibited. Downloaded or shared content is limited to personal, non-commercial use with required attribution. Reproduction, resale, or exploitation of any portion of the Application or Service requires the Owner's express prior written permission.
129 verified findings across the displayed surfaces.
Empty Comparison Slot
AIRIN SUMMARY
Bing Copilot carries highly permissive license terms; Focal carries highly permissive license terms.FOR ENTERPRISE: BING COPILOT NOT RECOMMENDED · FOCAL NOT RECOMMENDED
↳ Compliance surfaces · side by side
⚡ INTERACTIVE RISK COMPARISON HEATMAP
| RISK SURFACE | BING COPILOT | FOCAL |
|---|---|---|
| PPrompt Ownership | ||
| OOutput Ownership | ||
| TModel Training | ||
| CCommercial Use | ||
| DData Privacy | ||
| $Tier Differences |
* Click any cell in the heatmap matrix to scroll directly to its verbatim policy citations below.
📂 Intellectual Property & Model Training
P
SURFACE 01
Prompt Ownership
Bing Copilot
MED⚠ CAUTIONHIGH
Microsoft does not claim ownership of user inputs to AI services.
“ 18. Reservation of Rights and Feedback. Except as expressly provided under these Terms, Microsoft does not grant you ”
Focal
MEDHIGH
Users retain nominal ownership of their submitted inputs ('Your Inputs'), but grant Focal a non-exclusive, royalty-free license to process that content for operation and maintenance of the Service. Metadata such as keywords or location data associated with content is also collected. Focal reserves the right to remove, edit, or delete any submitted content at any time without prior notice. No explicit assertion that users retain full exclusive ownership is made.
“ All trademarks — nominal or figurative — and all other marks, trade names, service marks, word marks, illustrations, images, or logos appearing in connection with this Application are, and remain, the exclusive property of the Owner or its licensors and are subject to the protec…”
O
SURFACE 02
Output Ownership
Bing Copilot
MED⚠ CAUTIONHIGH
Output IP left to user determination per Microsoft Services Agreement.
“ vii. Content credentials. When you use the AI services to generate content, Microsoft may store information about the content and associate this information and the content with content credentials. You may not use the AI services or create content with the purpose of removing,…”
Focal
MED⚠ CAUTIONHIGH
Focal claims broad rights over outputs. Users are granted only monitoring rights, not exclusive ownership, over 'Your Outputs.' Focal holds a worldwide, royalty-free, transferable, sublicensable, and irrevocable (for so long as content is stored) license to access, use, reproduce, distribute, publish, modify, and otherwise process both inputs and outputs. A separate perpetual, worldwide, royalty-free, transferable, and sublicensable license is also granted specifically for model-training and improvement activities. Output ownership in any strong proprietary sense is not affirmed for users.
“ Until payment of the total purchase price is received by the Owner, any Products ordered shall not become the User’s property.”
T
SURFACE 03
Model Training
Bing Copilot
MEDHIGH
Consumer product. Search/AI queries may be used to improve Bing. Training use not clearly excluded for consumer tier.
“ Research . With appropriate safeguards for individuals’ rights and freedoms, we use data for research, including AI and machine learning, for public interest and scientific purposes.”
Focal
MEDHIGH
Training use is explicitly and broadly confirmed across multiple surfaces. The Privacy Policy states personal information may be used to 'train our artificial intelligence models' and that de-identified or anonymized data may be shared with third parties to train proprietary algorithms or machine learning systems. The AI Addendum separately states users acknowledge and agree that Inputs, Outputs, and all interactions with the Service may be used for training, enhancing, and improving machine learning models and algorithms. No opt-out from training use is described in the cited materials.
“ Users acknowledge and accept that by providing their own content on this Application they grant the Owner a non-exclusive, fully paid-up and royalty-free license to process such content solely for the operation and maintenance of this Application as contractually required.”
C
SURFACE 04
Commercial Use
Bing Copilot
MED⚠ CAUTIONHIGH
Designated for personal and non-commercial use in Microsoft's consumer Services Agreement.
“ b. The software is licensed, not sold, and Microsoft reserves all rights to the software not expressly granted by Microsoft, whether by implication, estoppel, or otherwise. This license does not give you any right to, and you may not: ”
Focal
MED⚠ CAUTIONHIGH
Commercial use of outputs is restricted by default. Unless a user has subscribed to a plan that expressly permits it, monetizing, commercializing, or using outputs for any commercial purpose is prohibited. Downloaded or shared content is limited to personal, non-commercial use with required attribution. Reproduction, resale, or exploitation of any portion of the Application or Service requires the Owner's express prior written permission.
“ Unless you have subscribed to a plan that expressly permits it, you agree not to monetize, commercialize, or otherwise use Your Outputs for any commercial purpose. If you intend to use Your Outputs commercially, you must be on a subscription plan that authorizes such use.”
📂 Data Privacy & Governance
D
SURFACE 05
Data Privacy
Bing Copilot
MED⚠ CAUTIONHIGH
—
“ Get new photo notifications from your mobile device. This feature allows you to receive notifications from your linked mobile device on your Windows PC. These photos are temporarily stored on your Windows PC while you are editing or opening those photos. You will need to initia…”
Focal
MED⚠ CAUTIONHIGH
—
“ The Owner may be allowed to retain Personal Data for a longer period whenever the User has given consent to such processing, as long as such consent is not withdrawn. Furthermore, the Owner may be obliged to retain Personal Data for a longer period whenever required to fulfil a…”
$
SURFACE 06
Tier Differences
Bing Copilot
MED⚠ CAUTIONHIGH
—
“ f. Refund Policy. Unless otherwise provided by law or by a particular Service offer, all purchases are final and non-refundable. If you believe that Microsoft has charged you in error, you must contact us within 90 days of such charge. No refunds will be given for any charges mo…”
Focal
MED⚠ CAUTIONHIGH
—
“ The right of withdrawal only applies to European Consumers.”