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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.
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766 verified findings across the displayed surfaces.
245 verified findings across the displayed surfaces.
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Read AI has moderate defaults; Clipchamp AI (Microsoft) carries the most permissive license terms of the set.FOR ENTERPRISE: CLIPCHAMP AI (MICROSOFT) NOT RECOMMENDED · READ AI ENTERPRISE TIER ACCEPTABLE
| RISK SURFACE | CLIPCHAMP AI (MICROSOFT) | READ AI |
|---|---|---|
| PPrompt Ownership | ||
| OOutput Ownership | ||
| TModel Training | ||
| CCommercial Use | ||
| DData Privacy | ||
| $Tier Differences |
“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.
“ By sharing or otherwise giving us access to User Content, you represent and warrant that (a) you are the creator and owner of your User Content, or you otherwise have the necessary licenses, rights, consents, and permissions to grant the rights in these Terms and (b) your User C…”
“Microsoft or other rights holders reserve all rights to the material not expressly granted by Microsoft under the license terms, whether by implication, estoppel, or otherwise.”
Microsoft and rights holders retain all rights not expressly granted; users receive only a narrow noncommercial personal use license to platform outputs.
“ The following terms apply if you install, access or use our Services on any device that contains the iOS mobile operating system (the " iOS App ") developed by Apple Inc. (" Apple "). Acknowledgement. You acknowledge that these Terms are concluded solely between us, and not wit…”
“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…”
The license explicitly includes 'improve Microsoft products and services', which is broad enough to encompass model training on user-submitted content including AI prompts and outputs. No opt-out mechanism is stated in this clause.
“We also collect information about your activity on our Services, such as access times, pages viewed, links clicked, and the page you visited before navigating to our Services. If you download any of our mobile apps, we may access information you have stored on your mobile device…”
“The articles, text, photos, maps, videos, video players, and third-party material available on Bing and MSN, including through Microsoft bots, applications and programs, are for your noncommercial, personal use only. Other uses, including downloading, copying, or redistributing t…”
Bing and MSN content is explicitly limited to noncommercial personal use. Using outputs to build products or redistribute content is prohibited unless specifically authorized, creating significant risk for any commercial AI or data pipeline use.
“ By making a purchase through the Services (a " Transaction "), you agree to the terms set forth in this Section 6 (the " Terms of Sale "). Eligibility. To complete your purchase, you must have a valid billing and, if applicable, shipping address within a country that can be sel…”
“If you have more content stored in your OneDrive than is provided to you under the terms of your free or paid subscription service for Microsoft storage and you do not respond to notice from Microsoft to fix your account by removing excess content or moving to a new subscription…”
Microsoft may delete user content on OneDrive without further warning if storage limits are exceeded and the user does not act.
“ Personal Information that we “Share,” “Sell,” or use for “Targeted Advertising” Some of our advertising and analytics activities may constitute “sharing” or “selling” or use of personal information for “targeted advertising” under certain State Privacy Laws. In order to ad…”
“Applications acquired through certain Stores owned or operated by Microsoft or its affiliates (including, but not limited to the Office Store, Microsoft Store on Windows and Microsoft Store on Xbox) are subject to section 14.b.i below.”
Different rules apply to applications acquired through Microsoft's various Stores, but the specific differences are deferred to section 14.b.i which is not present in this excerpt, creating uncertainty about what additional terms may apply to those users.
“In the event that Read AI is unable to charge your account as authorized by you when you enrolled in a Recurring Subscription, Read AI may in its sole discretion (i) bill you for your Services and suspend your access to the Services until payment is received, or (ii) seek to upda…”