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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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788 verified findings across the displayed surfaces.
412 verified findings across the displayed surfaces.
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SAP Joule has moderate defaults; Microsoft Designer carries the most permissive license terms of the set.FOR ENTERPRISE: MICROSOFT DESIGNER NOT RECOMMENDED · SAP JOULE ENTERPRISE TIER ACCEPTABLE
| RISK SURFACE | MICROSOFT DESIGNER | SAP JOULE |
|---|---|---|
| PPrompt Ownership | ||
| OOutput Ownership | ||
| TModel Training | ||
| CCommercial Use | ||
| DData Privacy | ||
| $Tier Differences |
“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.
“ SAP does not claim ownership of User Content that you post, upload, input, or submit to any SAP Website. By posting, transmitting, or uploading any User Content, including, but not limited to, any article, information, data, code, text, software, documentation, graphic, image, m…”
“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.
“ The AI Functionality are designed to provide information, assistance, and other forms of useful output. However, SAP does not guarantee the accuracy, completeness, or reliability of any information or content generated by the AI Functionality. You are advised to independently ve…”
“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.
“ Products and services : This may include any of SAP’s on-premise and cloud software products, web services, apps, online-forums, webinars and events, non-marketing related newsletters, white papers, tutorials, trainings, as well as other offerings like contests or sweepstakes. W…”
“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.
“ To comply with data protection and unfair competition law related requirements. Depending on the country in which the relevant SAP Group member operates, and whether you have expressly consented to or opted out of receiving commercial information, SAP may process personal data n…”
“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.
“ If you want to learn more about each of these purposes for which SAP may collect, transfer, and use your personal data, including for how long your data is being retained and specific to the General Data Protection Regulation (GDPR) , the legal ground on which SAP is pursuing…”
“ 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 ").”