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.
Krea
IMAGE / VIDEO / AUDIO GENERATION
PROMPT
Users own prompts and generated image layers.
OUTPUT
Outputs are assigned to users, but Krea claims a standard platform hosting license.
TRAINING
Krea trains its real-time generation and upscaling models on prompts and outputs, unless opted out under paid accounts.
COMMERCIAL
Commercial use of outputs is permitted. Gold/Pro accounts maintain full commercial protection.
485 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
Krea has moderate defaults; Microsoft 365 Copilot carries the most permissive license terms of the set.FOR ENTERPRISE: KREA ENTERPRISE TIER ACCEPTABLE · MICROSOFT 365 COPILOT NOT RECOMMENDED
↳ Compliance surfaces · side by side
⚡ INTERACTIVE RISK COMPARISON HEATMAP
| RISK SURFACE | KREA | 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
Krea
MEDMED
Users own prompts and generated image layers.
“[What about anything I contribute to the Services – do I have to grant any licenses to Krea or to other users?](https://krea-ai.notion.site/Terms-of-Use-4e1e697fb25f491d81e751e74f5fab1c?pvs=25#6d53f612796649baaac0a23613a27757)”
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
Krea
MEDMED
Outputs are assigned to users, but Krea claims a standard platform hosting license.
“The materials displayed or performed or available on or through the Services, including, but not limited to, text, graphics, data, articles, photos, images, illustrations, User Submissions (as defined below) and so forth (all of the foregoing, the “Content”) are protected by copy…”
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
Krea
MEDMED
Krea trains its real-time generation and upscaling models on prompts and outputs, unless opted out under paid accounts.
“When you submit User Submissions through the Services, you hereby do and shall grant Krea a worldwide, non-exclusive, perpetual, royalty-free, fully paid, sublicensable and transferable license to use, edit, modify, truncate, aggregate, reproduce, distribute, prepare derivative w…”
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
Krea
MED⚠ CAUTIONMED
Commercial use of outputs is permitted. Gold/Pro accounts maintain full commercial protection.
“[Our Commercial or Business Purposes for Collecting Personal Data](https://krea-ai.notion.site/Privacy-Policy-90c854a1be1546e49bf2255e3980b370?pvs=25#eeb8ad66a0da4db7ae41a3a13ee62550)”
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
Krea
HIGHMED
—
“If we have disclosed your Personal Data to any third parties for a business purpose over the past 12 months, we will identify the categories of Personal Data shared with each category of third party recipient. If we have sold your Personal Data over the past 12 months, we will id…”
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
Krea
MED⚠ CAUTIONMED
—
“We will not discriminate against you for exercising your rights under the UCPA. We will not deny you our goods or services, charge you different prices or rates, or provide you a lower quality of goods and services if you exercise your rights under the UCPA. However, we may offer…”
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…”