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SIDE-BY-SIDE · 2 OF 3
Two platforms.
Same questions.
Credal
ENTERPRISE SEARCH / PRODUCTIVITY
PROMPT
Users retain full ownership of submitted prompt characters and keywords.
OUTPUT
Outputs are assigned fully to users under standard commercial parameters.
TRAINING
Data is kept secure within tenant spaces. Model training on enterprise work boards is contractually excluded.
COMMERCIAL
Commercial use of all workflow priorities and prioritizations is fully permitted.
362 verified findings across the displayed surfaces.
Microsoft 365 Copilot
WORKFLOW & AUTOMATION
PROMPT
Microsoft does not claim ownership of customer prompts or inputs. Customer data remains customer property under Microsoft's data governance framework.
OUTPUT
Microsoft doesn't claim ownership of the output of the service. Outputs are treated as customer data.
TRAINING
Microsoft does not use M365 Copilot customer content to train foundation models. The Microsoft Privacy Statement (March 2026) states for enterprise Copilot: 'Microsoft 365 Copilot...provides enterprise-grade data protection' and 'will use the content in your files only when you ask it to perform a specific action on that specific content.' General Microsoft AI statement covers manual review of automated method outputs for improving accuracy, but enterprise Copilot data is explicitly protected.
COMMERCIAL
Microsoft 365 Copilot is available as an enterprise add-on. Commercial use of all outputs is permitted.
766 verified findings across the displayed surfaces.
Empty Comparison Slot
AIRIN SUMMARY
Credal has the strongest default posture of the set; Microsoft 365 Copilot carries the most permissive license terms of the set.FOR ENTERPRISE: CREDAL RECOMMENDED · MICROSOFT 365 COPILOT NOT RECOMMENDED
↳ Compliance surfaces · side by side
⚡ INTERACTIVE RISK COMPARISON HEATMAP
| RISK SURFACE | CREDAL | MICROSOFT 365 COPILOT |
|---|---|---|
| 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
Credal
LOW
Users retain full ownership of submitted prompt characters and keywords.
No citation available
Microsoft 365 Copilot
HIGH⚠ CAUTIONHIGH
Microsoft does not claim ownership of customer prompts or inputs. Customer data remains customer property under Microsoft's data governance framework.
“When you provide your Data or Your Content to Bing Places, you grant Microsoft a worldwide, royalty-free license to use, reproduce, save, modify, aggregate, promote, transmit, display, and distribute your Data and Your Content (including intellectual property rights in your Data…”
Broad, worldwide, royalty-free license over user inputs/content submitted to Bing Places, including sublicensing rights to third parties with no apparent scope limitation or termination right described here.
O
SURFACE 02
Output Ownership
Credal
LOW
Outputs are assigned fully to users under standard commercial parameters.
No citation available
Microsoft 365 Copilot
HIGH⚠ CAUTIONHIGH
Microsoft doesn't claim ownership of the output of the service. Outputs are treated as customer data.
“As part of building the Xbox Services community, you grant to Microsoft, its affiliates and sublicensees a free and worldwide right to use, modify, reproduce, distribute, broadcast, share and display Your Content or your name, gamertag, motto, or avatar that you posted for any Xb…”
Broad, royalty-free, worldwide license granted to Microsoft and its sublicensees to use, modify, reproduce, distribute, broadcast, share and display user-submitted content with no expiry stated.
T
SURFACE 03
Model Training
Credal
MEDLOW
Data is kept secure within tenant spaces. Model training on enterprise work boards is contractually excluded.
“ - Customers: when you engage Credal AI for a free demo or paid services for training,”
Microsoft 365 Copilot
HIGH⚠ CAUTIONHIGH
Microsoft does not use M365 Copilot customer content to train foundation models. The Microsoft Privacy Statement (March 2026) states for enterprise Copilot: 'Microsoft 365 Copilot...provides enterprise-grade data protection' and 'will use the content in your files only when you ask it to perform a specific action on that specific content.' General Microsoft AI statement covers manual review of automated method outputs for improving accuracy, but enterprise Copilot data is explicitly protected.
“As part of our efforts to improve and develop our products, we may use your data to develop and train our AI models. Learn more here .”
Microsoft explicitly reserves the right to use user data to train AI models. This appears twice in the document, suggesting it applies broadly across products and tiers.
C
SURFACE 04
Commercial Use
Credal
MED⚠ CAUTIONLOW
Commercial use of all workflow priorities and prioritizations is fully permitted.
“ ● Commercial information, such as products or services purchased, obtained, or considered.”
Microsoft 365 Copilot
HIGH⚠ CAUTIONHIGH
Microsoft 365 Copilot is available as an enterprise add-on. Commercial use of all outputs is permitted.
“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 restricted to noncommercial personal use. Using outputs/materials to build products or for commercial purposes requires explicit Microsoft authorization, which is not granted by default.
📂 Data Privacy & Governance
D
SURFACE 05
Data Privacy
Credal
HIGHLOW
—
“ Change of Control Personal information may be transferred to a third party because of a sale, acquisition, merger, reorganization, or other change in control. If we sell, merge, or transfer any part of the business, part of the sale may include your personal information.”
Microsoft 365 Copilot
HIGH⚠ CAUTIONHIGH
Enterprise/commercial M365 Copilot provides strong data protection — content not used for training, enterprise-grade compliance. Consumer Microsoft products (Bing, Cortana, etc.) have broader licenses. Bing Places grants a 'worldwide, royalty-free license to use, reproduce, save, modify, aggregate, promote, transmit, display, and distribute your Data and Your Content...and sub-license any or all of the foregoing rights to third parties.'
“If you fail to remove excess content or obtain sufficient additional storage after receiving notice from Microsoft, we reserve the right to delete or disable access to Your Content.”
Microsoft may permanently delete Outlook.com user content upon storage quota breach without a defined grace period in this clause.
$
SURFACE 06
Tier Differences
Credal
LOW
—
No citation available
Microsoft 365 Copilot
MED⚠ CAUTIONHIGH
Enterprise/commercial M365 Copilot provides strong data protection — content not used for training, enterprise-grade compliance. Consumer Microsoft products (Bing, Cortana, etc.) have broader licenses. Bing Places grants a 'worldwide, royalty-free license to use, reproduce, save, modify, aggregate, promote, transmit, display, and distribute your Data and Your Content...and sub-license any or all of the foregoing rights to third parties.'
“ 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…”