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.
Lovo
IMAGE / VIDEO / AUDIO GENERATION
PROMPT
Users retain full ownership of submitted prompt characters and keywords.
OUTPUT
Users own generated creative outputs. Platform retains personal license to index generated catalog unless toggled to private.
TRAINING
Enabled by default on consumer accounts to train future generative weights. Opt-out requires premium/private adjustments.
COMMERCIAL
Commercial use is permitted on paid profiles. Free trial creations carry personal-use attribution restrictions.
325 verified findings across the displayed surfaces.
Microsoft Designer
IMAGE / VIDEO / AUDIO GENERATION
PROMPT
Microsoft does not claim ownership of user inputs to AI services.
OUTPUT
Output IP left to user determination. Same Microsoft Services Agreement applies.
TRAINING
Consumer product. Inputs may be stored and processed by Microsoft for safety monitoring.
COMMERCIAL
Personal and non-commercial use designated in Microsoft Services Agreement for consumer AI services.
788 verified findings across the displayed surfaces.
Empty Comparison Slot
AIRIN SUMMARY
Lovo has moderate defaults; Microsoft Designer carries the most permissive license terms of the set.FOR ENTERPRISE: LOVO ENTERPRISE TIER ACCEPTABLE · MICROSOFT DESIGNER NOT RECOMMENDED
↳ Compliance surfaces · side by side
⚡ INTERACTIVE RISK COMPARISON HEATMAP
| RISK SURFACE | LOVO | MICROSOFT DESIGNER |
|---|---|---|
| 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
Lovo
MEDMED
Users retain full ownership of submitted prompt characters and keywords.
“ You are the creator and owner of the Submitted Files, or you have the necessary licenses, rights, consents, releases, and permissions to use and authorize us to use your Submitted Files in any manner contemplated by our Services, including for the purposes of Voice Designing (Cl…”
Microsoft Designer
HIGH⚠ CAUTIONHIGH
Microsoft does not claim ownership of user inputs to AI services.
“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 sublicensees to use, modify, reproduce, distribute, broadcast, and display user-submitted content with no time limit stated.
O
SURFACE 02
Output Ownership
Lovo
MED⚠ CAUTIONMED
Users own generated creative outputs. Platform retains personal license to index generated catalog unless toggled to private.
“ While we may edit and make format changes to your content (such as translating or transcribing it, modifying the size, layout, file type, or removing metadata), we will not modify the meaning of your expression.”
Microsoft Designer
HIGH⚠ CAUTIONHIGH
Output IP left to user determination. Same Microsoft Services Agreement applies.
“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 these materials, or using these materials or prod…”
Outputs/materials from Bing, MSN, and Microsoft bots are restricted to noncommercial personal use only. Using them to build your own products is prohibited unless specifically authorized. All rights not expressly granted are reserved.
T
SURFACE 03
Model Training
Lovo
HIGHMED
Enabled by default on consumer accounts to train future generative weights. Opt-out requires premium/private adjustments.
“ Certain parts of our Services may ask you to provide Personal Information voluntarily. For example, we may ask for certain information to use features in our Services, register an account with us, subscribe to marketing communications from us, improve our machine learning featur…”
Microsoft Designer
HIGH⚠ CAUTIONHIGH
Consumer product. Inputs may be stored and processed by Microsoft for safety monitoring.
“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 is a firm policy across products. No opt-out mechanism is described in this excerpt.
C
SURFACE 04
Commercial Use
Lovo
MED⚠ CAUTIONMED
Commercial use is permitted on paid profiles. Free trial creations carry personal-use attribution restrictions.
“ Some examples of use cases that require separately authorized resell rights not included in any of the Subscription include web and mobile applications that resemble, access or provide a gateway to LOVO’s core functionality for re-sale by you to third parties.”
Microsoft Designer
HIGH⚠ CAUTIONHIGH
Personal and non-commercial use designated in Microsoft Services Agreement for consumer AI services.
“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 (including content delivered via Microsoft bots/AI applications) is explicitly limited to noncommercial personal use. Using such content to build products or for commercial purposes requires separate authorization.
📂 Data Privacy & Governance
D
SURFACE 05
Data Privacy
Lovo
MED⚠ CAUTIONMED
—
“ Harvest or otherwise collect or disclose information about other users without their consent;”
Microsoft Designer
HIGH⚠ CAUTIONHIGH
—
“If you cancel, your access to the Services ends at the end of your current Service period or, if we bill your account on a periodic basis, at the end of the period in which you canceled. If you initiate a chargeback or reversal with your bank for your payment of Services, we will…”
Upon cancellation (or chargeback), content access and data may be immediately or imminently terminated. No grace period for data export is specified in this passage.
$
SURFACE 06
Tier Differences
Lovo
MED⚠ CAUTIONMED
—
“ Due to the nature of our Services, we will not be providing refunds once you have confirmed payment of your purchase and 24 hours have passed.”
Microsoft Designer
MED⚠ CAUTIONHIGH
—
“ iii. Certain restrictions and limitations apply to earning, redeeming, and other uses of Points in the Rewards Program. For more information see the Rewards section at https://support.microsoft.com (" FAQ ").”