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SIDE-BY-SIDE · 2 OF 3
Two platforms.
Same questions.
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.
417 verified findings across the displayed surfaces.
OpenAI API
DEVELOPER / CODING
PROMPT
API customers retain ownership of their inputs per OpenAI API Terms of Service.
OUTPUT
OpenAI assigns all its rights in outputs to API customers.
TRAINING
OpenAI Service Terms (January 9, 2026) apply to API and enterprise products. The Privacy Policy (May 18, 2026) explicitly states: 'This Privacy Policy does not apply to content that we process on behalf of customers of our business offerings, such as our API.' API customer data is governed by the customer's agreement with OpenAI. For ChatGPT (consumer), training opt-out is available via account settings or Temporary Chat.
COMMERCIAL
Commercial use of outputs is explicitly permitted for API customers.
182 verified findings across the displayed surfaces.
Empty Comparison Slot
AIRIN SUMMARY
Microsoft 365 Copilot carries highly permissive license terms; OpenAI API carries highly permissive license terms.FOR ENTERPRISE: MICROSOFT 365 COPILOT NOT RECOMMENDED · OPENAI API NOT RECOMMENDED
↳ Compliance surfaces · side by side
⚡ INTERACTIVE RISK COMPARISON HEATMAP
| RISK SURFACE | MICROSOFT 365 COPILOT | OPENAI API |
|---|---|---|
| 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
Microsoft 365 Copilot
MEDHIGH
Microsoft does not claim ownership of customer prompts or inputs. Customer data remains customer property under Microsoft's data governance framework.
“ a. When you share Your Content with other people, you understand that they may be able to, on a worldwide basis, use, save, record, reproduce, broadcast, transmit, share and display Your Content for the purpose that you made Your Content available on the Services without compens…”
OpenAI API
MED⚠ CAUTIONHIGH
API customers retain ownership of their inputs per OpenAI API Terms of Service.
“ We and our affiliates own all rights, title, and interest in and to the Services. You may only use our name and logo in accordance with our Brand Guidelines . ”
O
SURFACE 02
Output Ownership
Microsoft 365 Copilot
HIGH
Microsoft doesn't claim ownership of the output of the service. Outputs are treated as customer data.
No citation available
OpenAI API
MEDHIGH
OpenAI assigns all its rights in outputs to API customers.
“ YOU ACCEPT AND AGREE THAT ANY USE OF OUTPUTS FROM OUR SERVICE IS AT YOUR SOLE RISK AND YOU WILL NOT RELY ON OUTPUT AS A SOLE SOURCE OF TRUTH OR FACTUAL INFORMATION, OR AS A SUBSTITUTE FOR PROFESSIONAL ADVICE. ”
T
SURFACE 03
Model Training
Microsoft 365 Copilot
MED⚠ 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.
“ Microsoft will only use your Microsoft Copilot conversations to monitor performance, troubleshoot problems, diagnose bugs, prevent abuse, and to provide and improve Microsoft Copilot. In certain markets, we use conversation data to train the generative AI models in Copilot, unle…”
OpenAI API
MED⚠ CAUTIONHIGH
OpenAI Service Terms (January 9, 2026) apply to API and enterprise products. The Privacy Policy (May 18, 2026) explicitly states: 'This Privacy Policy does not apply to content that we process on behalf of customers of our business offerings, such as our API.' API customer data is governed by the customer's agreement with OpenAI. For ChatGPT (consumer), training opt-out is available via account settings or Temporary Chat.
“Improve and develop our Services and conduct research, including using your Content to train our models (subject to your [control”
User content (including prompts and uploads) is used to train models by default; opt-out is available but must be actively exercised. The parenthetical 'subject to your control' links to external controls documentation, meaning users who do not proactively manage settings may have their content used for training.
C
SURFACE 04
Commercial Use
Microsoft 365 Copilot
MED⚠ CAUTIONHIGH
Microsoft 365 Copilot is available as an enterprise add-on. Commercial use of all outputs is permitted.
“ b. The software is licensed, not sold, and Microsoft reserves all rights to the software not expressly granted by Microsoft, whether by implication, estoppel, or otherwise. This license does not give you any right to, and you may not: ”
OpenAI API
MED⚠ CAUTIONHIGH
Commercial use of outputs is explicitly permitted for API customers.
“ Parents or guardians of teen users for account linking purposes described above Other users and third parties you interact or share information with”
📂 Data Privacy & Governance
D
SURFACE 05
Data Privacy
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.'
“Microsoft does not use what you say in email, human-to-human chat, video calls, or voice mail, or your documents, photos, or other personal files to target ads to you. We use data we collect through our interactions with you, through some of our first-party products, services, ap…”
While communications content is excluded, behavioral interaction data from first- and third-party properties is used for ad targeting, including via automated processes.
OpenAI API
MED⚠ CAUTIONHIGH
API/Enterprise: data governed by customer agreements; no training use by default. ChatGPT Free/Go: may include targeted advertising and model training by default (opt-out available). Healthcare Addendum available for HIPAA-covered use cases.
“ Our Services are not directed to, or intended for, children under 13. We do not knowingly collect Personal Data from children under 13. If you have reason to believe that a child under 13 has provided Personal Data to OpenAI through the Services, please email us at privacy@open…”
$
SURFACE 06
Tier Differences
Microsoft 365 Copilot
HIGH
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.'
No citation available
OpenAI API
MEDHIGH
API/Enterprise: data governed by customer agreements; no training use by default. ChatGPT Free/Go: may include targeted advertising and model training by default (opt-out available). Healthcare Addendum available for HIPAA-covered use cases.
“ Service credits. You can pay for some Services in advance by purchasing service credits. All service credits are subject to our Service Credit Terms . ”