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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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Not yet scored — verified corpus incomplete.
Not yet scored — verified corpus incomplete.
Empty Comparison Slot
Luminance has no scored posture yet (unrated); Microsoft 365 Copilot has no scored posture yet (unrated).FOR ENTERPRISE: LUMINANCE NOT YET SCORED · MICROSOFT 365 COPILOT NOT YET SCORED
| RISK SURFACE | LUMINANCE | MICROSOFT 365 COPILOT |
|---|---|---|
| PPrompt Ownership | ||
| OOutput Ownership | ||
| TModel Training | ||
| CCommercial Use | ||
| DData Privacy | ||
| $Tier Differences |
“ you are solely responsible for the accuracy, integrity, legality, reliability and appropriateness of all User Data;”
“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…”
Users grant Microsoft a worldwide, royalty-free license to use all 'Your Content' — which explicitly includes AI prompts/inputs — to improve Microsoft products and services. The license also permits use of publicly shared content in promotional materials.
“ Luminance and/or its licensors retain all right, title and interest in and to the Services (including as may subsist in related software and systems), any Outputs and related documentation, including all enhancements, error correction, new releases, updates, derivations and modi…”
“ vi. Game Currency or Virtual Goods. The Xbox Services may include a virtual, game currency (like gold, coins or points) that may be purchased from or on behalf of Microsoft using actual monetary instruments if you have reached the age of "majority" where you live. The Xb…”
“ Subject to section 2.2, you acknowledge and agree that we may access and use any User Data to the extent necessary for us to operate, maintain and improve the Services (including by analysing, retaining, storing and utilising the results of any usage, Outputs, learnings or trend…”
“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.
“ you agree not to use our Services for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity. We are responsible for losses you suffer caused by us breaching these Term…”
“Other than a limited, personal, revocable, non-transferable, non-sublicensable license to use the game currency and virtual goods in the Xbox Services only, you have no right or title in or to any such game currency or virtual goods appearing or originating in the Xbox Services,…”
Users have no ownership rights in virtual goods or currency purchased with real money; Microsoft can eliminate or modify these assets at any time in its sole discretion with no compensation obligation.
“If you are making a job application or inquiry, you may provide us with a copy of your CV or other relevant information. We may use this information for the purpose of considering your application or inquiry. Except when you explicitly request otherwise, we may keep this informat…”
CV and job application data may be retained indefinitely for 'future reference' unless the applicant explicitly requests otherwise. No retention period is specified.
“Voice data . Your voice data, sometimes referred to as “voice clips”, such as search queries, commands, or dictation you speak, which may include background sounds.”
Voice inputs, including incidental background sounds, are collected and processed as personal data.