Turn this comparison into procurement-ready diligence
Free shows today's risk. A Stack Audit gives you a citable, verbatim-sourced PDF across your whole AI stack — and flags the moment a vendor's terms change.
SIDE-BY-SIDE · 2 OF 3
Two platforms.
Same questions.
Clipchamp AI (Microsoft)
IMAGE / VIDEO / AUDIO GENERATION
PROMPT
Microsoft does not claim ownership of user video/audio inputs to AI services.
OUTPUT
Output IP left to user determination per Microsoft Services Agreement.
TRAINING
Consumer Microsoft account. General Microsoft data practices apply.
COMMERCIAL
Free tier designated for personal and non-commercial use. Paid/Essentials plans may permit commercial use.
428 verified findings across the displayed surfaces.
Napkin AI
WORKFLOW & AUTOMATION
PROMPT
Under review.
OUTPUT
Under review.
TRAINING
Under review.
COMMERCIAL
Under review.
130 verified findings across the displayed surfaces.
Empty Comparison Slot
AIRIN SUMMARY
Napkin AI has moderate defaults; Clipchamp AI (Microsoft) carries the most permissive license terms of the set.FOR ENTERPRISE: CLIPCHAMP AI (MICROSOFT) NOT RECOMMENDED · NAPKIN AI ENTERPRISE TIER ACCEPTABLE
↳ Compliance surfaces · side by side
⚡ INTERACTIVE RISK COMPARISON HEATMAP
| RISK SURFACE | CLIPCHAMP AI (MICROSOFT) | NAPKIN AI |
|---|---|---|
| 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
Clipchamp AI (Microsoft)
MED⚠ CAUTIONHIGH
Microsoft does not claim ownership of user video/audio inputs to AI services.
“To the extent necessary to provide the Services to you and others, to protect you and the Services, and to improve Microsoft products and services, you grant to Microsoft a worldwide and royalty-free intellectual property license to use Your Content, for example, to make copies o…”
User grants Microsoft a broad worldwide, royalty-free license over all submitted content including AI prompts. The license covers improvement of Microsoft products and services, which may include model training.
Napkin AI
LOWMED
Under review.
“ User-generated content , such as input text, visuals, generated text, and other content or information that you generate, transmit, or otherwise make available on the Service, as well as associated metadata.”
O
SURFACE 02
Output Ownership
Clipchamp AI (Microsoft)
MEDHIGH
Output IP left to user determination per Microsoft Services Agreement.
“ 2. Your Content. Many of our Services allow you to create, store or share Your Content or receive material from others. We don’t claim ownership of Your Content. Your Content remains yours and you are responsible for it.”
Napkin AI
MED
Under review.
No citation available
T
SURFACE 03
Model Training
Clipchamp AI (Microsoft)
MEDHIGH
Consumer Microsoft account. General Microsoft data practices apply.
“ 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.”
Napkin AI
MED⚠ CAUTIONMED
Under review.
“ Account data (name, email, job title, company); Content data (diagrams, visuals, documents created or uploaded by users); Usage data (feature interactions, session identifiers) – processed in identifiable form solely for service delivery; only de-identified and aggregated deriva…”
C
SURFACE 04
Commercial Use
Clipchamp AI (Microsoft)
MED⚠ CAUTIONHIGH
Free tier designated for personal and non-commercial use. Paid/Essentials plans may permit commercial use.
“ iii. separate components of the software or Services for use on different devices;”
Napkin AI
MED
Under review.
No citation available
📂 Data Privacy & Governance
D
SURFACE 05
Data Privacy
Clipchamp AI (Microsoft)
MED⚠ CAUTIONHIGH
—
“ Device encryption . Device encryption helps protect the data stored on your device by encrypting it using BitLocker Drive Encryption technology. When device encryption is on, Windows encrypts the drive Windows is installed on and generates a recovery key. The BitLocker recovery…”
Napkin AI
MEDMED
—
“ 2.4 This DPA shall remain in effect for the duration of the Agreement and shall terminate automatically upon expiry or termination of the Agreement, subject to the survival provisions set out in Section 11.”
$
SURFACE 06
Tier Differences
Clipchamp AI (Microsoft)
HIGH
—
No citation available
Napkin AI
MED
—
No citation available