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.
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.
473 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 Designer carries highly permissive license terms; OpenAI API carries highly permissive license terms.FOR ENTERPRISE: MICROSOFT DESIGNER NOT RECOMMENDED · OPENAI API NOT RECOMMENDED
↳ Compliance surfaces · side by side
⚡ INTERACTIVE RISK COMPARISON HEATMAP
| RISK SURFACE | MICROSOFT DESIGNER | 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 Designer
MED⚠ CAUTIONHIGH
Microsoft does not claim ownership of user inputs to AI services.
“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…”
The license grant explicitly includes 'improve Microsoft products and services,' which can encompass model training or fine-tuning on user content/inputs/outputs. The license is worldwide, royalty-free, and broadly scoped.
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 Designer
HIGH
Output IP left to user determination. Same Microsoft Services Agreement applies.
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 Designer
MED⚠ CAUTIONHIGH
Consumer product. Inputs may be stored and processed by Microsoft for safety monitoring.
“ 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 Designer
MED⚠ CAUTIONHIGH
Personal and non-commercial use designated in Microsoft Services Agreement for consumer AI services.
“ ii. Bing Maps. You may not use Bird’s eye imagery of the United States, Canada, Mexico, New Zealand, Australia or Japan for governmental use without our separate written approval.”
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 Designer
MED⚠ CAUTIONHIGH
—
“ Bing experience improvement program for Bing Desktop and Bing Toolbar . If you are using Bing Desktop or Bing Toolbar and choose to participate in the Bing Experience Improvement Program, we also collect additional data about how you use these specific Bing apps, such as the add…”
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 Designer
HIGH
—
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 . ”