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SIDE-BY-SIDE · 2 OF 3
Two platforms.
Same questions.
ChatGPT
WORKFLOW & AUTOMATION
PROMPT
Users retain ownership of their inputs. OpenAI's Terms state that users own their inputs to the extent permitted by law.
OUTPUT
OpenAI assigns all its rights in outputs to users. The Terms state that OpenAI assigns to users all of OpenAI's right, title, and interest in outputs, subject to compliance with the Terms.
TRAINING
By default, ChatGPT conversations may be used to train and improve OpenAI's models. Users can opt out by disabling "Improve the model for everyone" in Settings → Data Controls. API usage is excluded from training by default.
COMMERCIAL
Commercial use of outputs is permitted for all paid plans. Free tier outputs are also permitted for commercial use, subject to the Terms and Usage Policies.
89 verified findings across the displayed surfaces.
Microsoft Copilot
WORKFLOW & AUTOMATION
PROMPT
Microsoft does not claim ownership of user inputs. The Services Agreement states: "Microsoft doesn't claim ownership of any content you provide, post, input, or submit to, or receive from, the AI services."
OUTPUT
Microsoft defers output IP determination to users. The Agreement states: "You'll need to make your own determination regarding the intellectual property rights you have in output content and its usability."
TRAINING
Users are prohibited from using Microsoft AI services or data from them "to create, train, or improve (directly or indirectly) any AI technology." Microsoft retains rights to process and store inputs for safety monitoring.
COMMERCIAL
Some Microsoft AI services are designated "for your personal and noncommercial use." Commercial use eligibility varies by product and subscription tier.
7 verified findings across the displayed surfaces.
Empty Comparison Slot
AIRIN SUMMARY
Microsoft Copilot has moderate defaults; ChatGPT carries the most permissive license terms of the set.FOR ENTERPRISE: CHATGPT NOT RECOMMENDED · MICROSOFT COPILOT ENTERPRISE TIER ACCEPTABLE
↳ Compliance surfaces · side by side
⚡ INTERACTIVE RISK COMPARISON HEATMAP
| RISK SURFACE | CHATGPT | MICROSOFT COPILOT |
|---|---|---|
| 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
ChatGPT
LOWHIGH
Users retain ownership of their inputs. OpenAI's Terms state that users own their inputs to the extent permitted by law.
“ Your content. You may provide input to the Services (“Input”), and receive output from the Services based on the Input (“Output”). Input and Output are collectively “Content.” You are responsible for Content, including ensuring that it does not violate any applicable law or thes…”
Microsoft Copilot
MED
Microsoft does not claim ownership of user inputs. The Services Agreement states: "Microsoft doesn't claim ownership of any content you provide, post, input, or submit to, or receive from, the AI services."
No citation available
O
SURFACE 02
Output Ownership
ChatGPT
MEDHIGH
OpenAI assigns all its rights in outputs to users. The Terms state that OpenAI assigns to users all of OpenAI's right, title, and interest in outputs, subject to compliance with the Terms.
“ A note about accuracy: Services like ChatGPT generate responses by reading a user’s request and, in response, predicting the words most likely to appear next. In some cases, the words most likely to appear next may not be the most factually accurate. For this reason, you should…”
Microsoft Copilot
MEDMED
Microsoft defers output IP determination to users. The Agreement states: "You'll need to make your own determination regarding the intellectual property rights you have in output content and its usability."
“ Copilot is an AI-powered conversational service. Copilot will generate Responses to Prompts you submit and may also offer you Responses directly in your ongoing conversations or for things you have asked Copilot to remember. Copilot tries to give you good answers, but it can ma…”
T
SURFACE 03
Model Training
ChatGPT
MEDHIGH
By default, ChatGPT conversations may be used to train and improve OpenAI's models. Users can opt out by disabling "Improve the model for everyone" in Settings → Data Controls. API usage is excluded from training by default.
“ For information on how to exercise your rights with respect to data we have collected from the internet to train our models, please see this help center article (opens in a new window) . ”
Microsoft Copilot
MED
Users are prohibited from using Microsoft AI services or data from them "to create, train, or improve (directly or indirectly) any AI technology." Microsoft retains rights to process and store inputs for safety monitoring.
No citation available
C
SURFACE 04
Commercial Use
ChatGPT
MED⚠ CAUTIONHIGH
Commercial use of outputs is permitted for all paid plans. Free tier outputs are also permitted for commercial use, subject to the Terms and Usage Policies.
“ Parents or guardians of teen users for account linking purposes described above Other users and third parties you interact or share information with”
Microsoft Copilot
MED
Some Microsoft AI services are designated "for your personal and noncommercial use." Commercial use eligibility varies by product and subscription tier.
No citation available
📂 Data Privacy & Governance
D
SURFACE 05
Data Privacy
ChatGPT
MEDHIGH
—
“ a ChatGPT Plus or Pro account, or facilitate a purchase on ChatGPT), we may retain payment and transaction related information to meet our accounting, dispute resolution, and regulatory compliance purposes; When you ask us to delete your Personal Data, we retain the audit reco…”
Microsoft Copilot
MED
—
No citation available
$
SURFACE 06
Tier Differences
ChatGPT
HIGH
—
No citation available
Microsoft Copilot
MED
—
No citation available