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.
97 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.
66 verified findings across the displayed surfaces.
Empty Comparison Slot
AIRIN SUMMARY
ChatGPT carries highly permissive license terms; Microsoft Copilot carries highly permissive license terms.FOR ENTERPRISE: CHATGPT NOT RECOMMENDED · MICROSOFT COPILOT NOT RECOMMENDED
↳ 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
MED⚠ CAUTIONHIGH
Users retain ownership of their inputs. OpenAI's Terms state that users own their inputs to the extent permitted by law.
“ 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 . ”
Microsoft Copilot
HIGH
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
MED⚠ CAUTIONHIGH
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.
“ Similarity of content. Due to the nature of our Services and artificial intelligence generally, output may not be unique and other users may receive similar output from our Services. Our assignment above does not extend to other users’ output or any Third Party Output. ”
Microsoft Copilot
MEDHIGH
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."
“ We don’t own Your Content, but we may use Your Content to operate Copilot and improve it. By using Copilot, you grant us permission to use Your Content, which means we can copy, distribute, transmit, publicly display, publicly perform, edit, translate, and reformat it, and we ca…”
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 about how we collect and use training information to develop our language models that power ChatGPT and other Services, and your choices with respect to that information, please see this policy as well as this help center article (opens in a new window) . ”
Microsoft Copilot
MED⚠ CAUTIONHIGH
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.
“ Prompts, responses, and data accessed through Microsoft Graph aren't used to train foundation LLMs, including those used by Microsoft 365 Copilot.”
C
SURFACE 04
Commercial Use
ChatGPT
MEDHIGH
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.
“ What you can do. Subject to your compliance with these Terms, you may access and use our Services. In using our Services, you must comply with all applicable laws as well as our Sharing & Publication Policy , Usage Policies , and any other documentation, guidelines, or pol…”
Microsoft Copilot
MEDHIGH
Some Microsoft AI services are designated "for your personal and noncommercial use." Commercial use eligibility varies by product and subscription tier.
“ Create or customize agents for specific tasks or workflows with Copilot Studio. You can start from a template or build from scratch using natural language. ”
📂 Data Privacy & Governance
D
SURFACE 05
Data Privacy
ChatGPT
MED⚠ CAUTIONHIGH
—
“ Respect privacy . People are entitled to privacy. So, we don’t allow attempts to compromise the privacy of others, including to aggregate, monitor, profile, or distribute individuals’ private or sensitive information without their authorization. And, you may never use our servic…”
Microsoft Copilot
MED⚠ CAUTIONHIGH
—
“ Microsoft 365 Copilot only surfaces organizational data to which individual users have at least view permissions. It's important that you're using the permission models available in Microsoft 365 services, such as SharePoint, to help ensure the right users or groups have the rig…”
$
SURFACE 06
Tier Differences
ChatGPT
MEDHIGH
—
“ Our Business Terms govern use of ChatGPT Enterprise, our APIs, and our other services for businesses and developers. ”
Microsoft Copilot
MED⚠ CAUTIONHIGH
—
“ These Terms don’t apply to Microsoft 365 Copilot apps or services unless that specific app or service says that these Terms apply.”