Workflow & Automation · copilot.microsoft.comMicrosoft Copilot
Graded against 804 verified platforms, from its own policy text. Automated assessment against a published rubric — not legal advice.
“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 make mistakes. Sometimes, the sources Copilot uses may not be reliable, relevant,…”
Partially verified: Terms of Service assessed · Privacy Policy pending. Everything below comes only from what was read in full.
Watch: Moderation and enforcement
Start here. These are the highest-risk verified clauses AIRIN found in the platform's own policy text.
This segment restricts users from using Copilot to infringe intellectual property or publicity rights, and prohibits creation or sharing of adult content, violent content, hateful content, extremist content, and non-consensual deepfakes, establishing content moderation restrictions enforceable against users.
This segment restricts Copilot access based on age (minimum 13 or 18 depending on jurisdiction), prohibits use of bots or scrapers, limits use to personal use only, and authorizes Microsoft to disable features for minors or unauthenticated users, imposing access eligibility restrictions and enforcement authority.
This segment incorporates by reference the binding arbitration clause and class action waiver in Section 15 of the Microsoft Services Agreement and conditions their applicability on US residency or principal place of business, establishing how disputes relating to these Terms are resolved.
How to read this page: Overall risk rates what Microsoft Copilot's own policy terms mean for your prompts, outputs, and data. The benchmark bands below grade those same verified terms relative to peers — a platform in a risky-by-default category can rate HIGH risk and still grade STRONG against its peer set. Both trace to the cited findings.
Policy benchmark
rubric v1.0 — how this is scoredBased on 92 verified, verbatim-cited findings below — read the citations.
Based on 93 verified, verbatim-cited findings below — read the citations.
Automated assessment against a published rubric — not legal advice.
Partially verified — Privacy Policy — Capture pending; Terms of Service — Verified (read in full, 12 findings). Findings below are from fully-read, verified documents only; remaining core documents are pending capture.
Held for review
A core policy document failed verification or contains contested evidence that must not be treated as fully verified.
- Privacy PolicyCapture pendingstatic
- Terms of ServiceVerified - read in full - 12 citationsstaticLast captured 2026-08-21
Only citation-backed plan differences are shown here; absent cells mean AIRIN has not verified a tier-specific claim.
This segment incorporates by reference the binding arbitration clause and class action waiver in Section 15 of the Microsoft Services Agreement and conditions their applicability on US residency or principal place of business, establishing how disputes relating to these Terms are resolved.
" IF YOU LIVE IN (OR YOUR PRINCIPAL PLACE OF BUSINESS IS IN) THE UNITED STATES, PLEASE READ THE BINDING ARBITRATION CLAUSE AND CLASS ACTION WAIVER IN SECTION 15 OF THE MICROSOFT SERVICES AGREEMENT . IT AFFECTS HOW DISPUTES RELATING TO THESE ..."
Evidence appendix
Showing priority citations first. The full appendix is available for audit trails; not every citation is a severe risk.
" Don’t infringe the rights of others . Don’t use Copilot to infringe on other people’s legal rights, including their intellectual property and publicity rights. Don’t create or share inappropriate content or material . Don’t use Copilot to create or share adult content, violence or gore, hateful content, terrorism and violent extremist content, glorification of violence or suicide, child sexual exploitation or abuse material, or content that is otherwise disturbing or offensive. Don’t use Copilot to create or edit images, voice, or video of other people (e.g. “deepfakes”) without their permission. Don’t do anything illegal . Don’t use Copilot to break the law, or to help or encourage others to break the law. If you see something wrong or inappropriate from Copilot, use the Report or Feedback features in Copilot to let us know. If you have a legal concern about something Copilot says, please use the Report a Concern page to tell us. We may block, restrict, or remove your Prompts or other content from you that violates these Terms, or that could lead Copilot to create a Response that violates these Terms."
This segment restricts users from using Copilot to infringe intellectual property or publicity rights, and prohibits creation or sharing of adult content, violent content, hateful content, extremist content, and non-consensual deepfakes, establishing content moderation restrictions enforceable against users.
AI-generated interpretation, not legal advice.
" You need to be old enough to use Copilot – usually at least 13, but sometimes 18 or older, depending on your country’s laws. Because laws vary by country, Copilot isn’t available everywhere. If you’re under 18, or if you use Copilot without logging in, we might turn off or limit some features for legal or safety reasons. If we ask for your birthday and country when you sign up or log in, you must give us your real information. Don’t use tools or computer programs (like bots or scrapers) to access Copilot. You can only use Copilot for your own personal use."
This segment restricts Copilot access based on age (minimum 13 or 18 depending on jurisdiction), prohibits use of bots or scrapers, limits use to personal use only, and authorizes Microsoft to disable features for minors or unauthenticated users, imposing access eligibility restrictions and enforcement authority.
AI-generated interpretation, not legal advice.
" 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 make mistakes. Sometimes, the sources Copilot uses may not be reliable, relevant, or accurate, and sometimes, Copilot may give you wrong information. When responding, Copilot may use information it finds on the internet, and we don’t control that content. You might see Responses that seem convincing but are incomplete, inaccurate, or inappropriate. Always use your judgment and check the information you get from Copilot before you make decisions or act. Carefully review Responses and Creations before sharing them so you’re not exposing personal information you wouldn’t want others to see. If you see something wrong or inappropriate from Copilot, use the Report or Feedback features in Copilot to let us know. If you have a legal concern about something Copilot says, please use the Report a Concern page to tell us. Because of the way Copilot works, the Responses you get from Copilot may not be unique to you. Copilot may give the same or similar Responses and Creations to Microsoft, or to other people. Other people may send similar Prompts as yours, and they could get the same, similar, or different Responses and Creations. By using Copilot, you’re telling us that: You’ve read, understood, and agree to these Terms, and will abide by the Code of Conduct (below). You’ll use Copilot only in lawful ways and in compliance with all applicable laws. You won’t use Copilot to violate our or anyone else’s rights."
This segment disclaims the reliability and accuracy of Copilot's Responses, warns that outputs may be wrong or incomplete, and notes that Microsoft does not control internet content used in Responses, limiting Microsoft's liability for inaccurate or misleading outputs.
AI-generated interpretation, not legal advice.
" From time to time, we might need to update these Terms for different reasons. Some of those reasons might include adding new features, complying with changing laws, addressing security, safety, or fraud issues, or making our Terms clearer and easier to understand. There may be rare circumstances where we need to update these Terms immediately. Otherwise, we’ll post the updated Terms to this page at least 30 days before they take effect. We’ll also include the date the terms take effect at the top of the page, so you can easily tell when we’ve made an update. If you keep using Copilot after the updates take effect, you’re agreeing to those updates. If you don’t agree to the updates, you must stop using Copilot."
This segment establishes the procedural mechanism by which Microsoft may unilaterally update the Terms, including the obligation to post updates at least 30 days in advance (except in urgent circumstances), the method of notice (posting to the page with an effective date), and the consequence that continued use of Copilot after the effective date constitutes acceptance of the updated Terms.
AI-generated interpretation, not legal advice.
"You are solely responsible if you choose to publish or share Copilot’s Responses publicly or with any other person. You agree to indemnify us and hold us harmless (including our affiliates, employees and any other agents) from and against any claims, losses, and expenses (including attorneys' fees) arising from or relating to your use of Copilot, including without limitation your use, sharing, or publication of any Prompt, Responses, or Creations, or your breach of these Terms or violation of applicable law. You may stop using Copilot at any time. If you want to close your Microsoft Account, please see the Microsoft Services Agreement ."
This segment imposes an indemnification obligation on users to defend and hold harmless Microsoft and its affiliates from claims, losses, and expenses (including attorneys' fees) arising from their use of Copilot, sharing or publishing of Prompts, Responses, or Creations, or breach of these Terms or applicable law.
AI-generated interpretation, not legal advice.
"You also authorize the third party to share information about you with us (“ Third Party Content ”). We aren’t responsible for any errors or omissions in Third Party Content, including information about you that may be wrong or otherwise incorrect. If you have questions about or disagree with the information that a third party provided to Copilot Health, you must address it with the third party. We do not control Third Party Content, so we are not responsible for any loss or damage that may result from your use of Third Party Content in Copilot Health."
This segment authorizes third parties to share user information with Microsoft ('Third Party Content'), disclaims responsibility for errors or inaccuracies in such third-party data, and disclaims liability for loss or damage resulting from use of Third Party Content, addressing third-party data sharing and associated liability limitations.
AI-generated interpretation, not legal advice.
" Depending on your location and other factors, we may offer you the opportunity to browse, shop and buy certain products through Copilot. If you use Copilot to buy something, it’s sold and shipped by a third party (“ Merchant ”), not by us. We don’t process payments for your purchases through Copilot. Anything you buy with Copilot is subject to the Merchant’s terms and conditions (including pricing, fees, and shipping, cancellation, and refund policies). You are responsible for reading and complying with the Merchant’s terms that apply to your purchase, including how the Merchant collects and uses your personal information under its privacy policy. We aren’t responsible or liable for any dispute between you and the Merchant about your purchase. If you have any disputes or questions about any product you purchase through Copilot, you must address it directly with the Merchant. If you have disputes or questions about your payment for the product, you must address it with your payment issuer, bank, or wallet provider. We collect, store, use, and share your personal information, including your payment information and purchases you make, in accordance with the Microsoft Privacy Statement . You authorize each Merchant to share with us information about you and your purchase, and for us to send information (including your personal information and transaction details) to the Merchant, the Merchant’s payment processor, our payment processor, or other third party necessary to complete your purchase."
This segment clarifies that purchases through Copilot are fulfilled by third-party Merchants (not Microsoft), that Microsoft does not process payments, and that users are responsible for Merchant terms and conditions, limiting Microsoft's liability for third-party commercial transactions conducted through Copilot.
AI-generated interpretation, not legal advice.
" IF YOU LIVE IN (OR YOUR PRINCIPAL PLACE OF BUSINESS IS IN) THE UNITED STATES, PLEASE READ THE BINDING ARBITRATION CLAUSE AND CLASS ACTION WAIVER IN SECTION 15 OF THE MICROSOFT SERVICES AGREEMENT . IT AFFECTS HOW DISPUTES RELATING TO THESE TERMS ARE RESOLVED. Welcome to Copilot, your personal AI companion! These Terms explain how you can use Copilot. By using Copilot, you agree to these Terms. Please read them carefully before you start using Copilot."
This segment incorporates by reference the binding arbitration clause and class action waiver in Section 15 of the Microsoft Services Agreement and conditions their applicability on US residency or principal place of business, establishing how disputes relating to these Terms are resolved.
AI-generated interpretation, not legal advice.
" When you use Copilot, you must follow the general Code of Conduct set out in the Microsoft Services Agreement . As applied to Copilot, this means: Don’t use Copilot to harm yourself or others . Don’t use Copilot to help harass, bully, abuse, threaten, or intimidate other people, or otherwise harm others. Don’t use Copilot to help exploit others based on age, disability, or social or economic situations. Don’t damage our ability to provide Copilot to you and others . Don’t use bots or scrapers, and don’t engage in technical attacks, excess usage, prompt-based manipulation, “jailbreaking”, and other abuses. Don’t violate the privacy of others . Don’t use Copilot to help violate the privacy of others, including sharing their private information (e.g. “doxing”). Don’t use Copilot to infer sensitive information about others, like a person's race, political opinions, trade union membership, religious or philosophical beliefs, sex life, or sexual orientation. Don’t try to use Copilot for facial identification, to collect or process someone else’s sensitive personal data, or to try to verify someone’s identity. Don’t share or capture images, video, audio, or other content that includes other people without their consent, and don’t try to use Copilot to process someone else’s biometric identifiers or information. Don’t use Copilot to trick, lie to, or cheat others . Don’t use Copilot to help mislead or deceive people. Don’t use Copilot to create or share disinformation or content that will be used to impersonate, defraud, or deceive others. "
This segment imposes specific behavioral restrictions on users by prohibiting harmful, harassing, abusive, threatening, or service-damaging uses of Copilot, and incorporates the Microsoft Services Agreement Code of Conduct by reference, establishing enforceable conduct obligations.
AI-generated interpretation, not legal advice.
" These Terms don’t apply to Microsoft 365 Copilot apps or services unless that specific app or service says that these Terms apply."
This segment explicitly carves out Microsoft 365 Copilot apps and services from the scope of these Terms unless a specific app or service expressly states these Terms apply, creating a tier-based distinction in coverage.
AI-generated interpretation, not legal advice.
" We've added terms for Copilot Health (which take effect immediately). We’ve included a link to the Payment Services Terms , which apply if you use payment and wallet-related features in Copilot. We’ve updated our disclosures and warnings to be clearer about how you should and shouldn’t use Copilot. We’ve made other minor formatting and wording changes to accurately reflect current product experiences."
This segment summarizes material changes to the Terms including the addition of Copilot Health terms, incorporation of Payment Services Terms by reference, and updated disclosures, thereby incorporating external documents and flagging feature-specific obligations.
AI-generated interpretation, not legal advice.
" By agreeing to these Terms, you’re also agreeing to the Microsoft Services Agreement , a legal agreement between you and us that applies to your use of our Services (including Copilot). If you have a Microsoft account, you already agreed to the Microsoft Services Agreement when you first created a Microsoft account. If you log in to Copilot using a non-Microsoft account, we may automatically create a Microsoft account for you, or let you link that non-Microsoft account to your existing Microsoft Account. Even if you don’t have a Microsoft Account – for example, if you’re using Copilot without logging in, you’re still agreeing to the Microsoft Services Agreement by using Copilot. Please make sure you review it carefully. If you use Copilot to create images, you’re also agreeing to the Image Creator Terms . If you use Copilot to access, update, or use payment methods (like credit cards) you’ve saved in your Microsoft Wallet, you are subject to the Payment Services Terms . If you use Gaming Copilot or other AI-powered experiences provided in connection with any Xbox Services, you are also subject to the Xbox Community Standards . Copilot may be integrated into other products and services we separately license to you. For example, Microsoft 365 Family or Microsoft 365 Personal subscriptions are separately licensed under the terms at https://www.microsoft.com/useterms . If any of the language in those other agreements conflicts with the language in these Terms, the language in these Terms controls. When you use Copilot, you are subject to the Microsoft Privacy Statement , which describes how we collect, use, and share information relating to your use of Copilot."
This segment incorporates the Microsoft Services Agreement by reference as a binding legal agreement governing use of the Services, and describes the mechanism by which a Microsoft account (and thus that agreement) may be automatically created or linked for users of Copilot, establishing the contractual framework that applies.
AI-generated interpretation, not legal advice.
Common questions about Microsoft Copilot's policies
- Who owns the content you create with Microsoft Copilot?
- You own outputs — with license carve-outs — based on 1 verified finding from Microsoft Copilot's published policy. Informational only, not legal advice.
Clause detail — protections, your obligations, and coverage
Every clause below is a verbatim quote from Microsoft Copilot's own published policy, read in full and linked to its exact location. Protections and user obligations are reported separately from risk because they are different kinds of clause — an obligation on you is not a risk to your data. Informational only, not legal advice.
✅ Protections found
1 verified clauseClauses in Microsoft Copilot's policies that work in your favour — commitments the platform made to you.
- Moderation & enforcementterms can change anytime
“From time to time, we might need to update these Terms for different reasons. Some of those reasons might include adding new features, complying with changing laws, addressing security, safety, or fraud issues, or making our Terms clearer and easier to underst…”
This segment establishes the procedural mechanism by which Microsoft may unilaterally update the Terms, including the obligation to post updates at least 30 days in advance (except in urgent circumstances), the method of…
- Terms changes: advance notice promised
📍 Terms of Service › “UPDATES TO THESE TERMS”Jump to exact text →
📋 Rules you must follow
2 verified clausesWhat Microsoft Copilot requires of YOU. These are your obligations, not risks to your data or IP, so they are cited here and excluded from this platform's risk rating.
- Moderation & enforcement
“When you use Copilot, you must follow the general Code of Conduct set out in the Microsoft Services Agreement . As applied to Copilot, this means: Don’t use Copilot to harm yourself or others . Don’t use Copilot to help harass, bully, abuse, threaten, or inti…”
This segment imposes specific behavioral restrictions on users by prohibiting harmful, harassing, abusive, threatening, or service-damaging uses of Copilot, and incorporates the Microsoft Services Agreement Code of Condu…
📍 Terms of Service › “CODE OF CONDUCT”Jump to exact text → - Moderation & enforcement
“Don’t infringe the rights of others . Don’t use Copilot to infringe on other people’s legal rights, including their intellectual property and publicity rights. Don’t create or share inappropriate content or material . Don’t use Copilot to create or share adul…”
This segment restricts users from using Copilot to infringe intellectual property or publicity rights, and prohibits creation or sharing of adult content, violent content, hateful content, extremist content, and non-cons…
📍 Terms of Service › “CODE OF CONDUCT”Jump to exact text →
What the policies actually cover
5 topics- Children's data1 clause
- Arbitration & class-action waiver1 clause
- Indemnity direction1 clause
- Terms can change at any time1 protective2 clauses
- Attribution requirements1 clause
6 further verified clauses are cited on this page but not yet assigned a topic.
Cross-clause notes
The Terms of Service, Terms of Service › “HOW YOU USE COPILOT” describes rights the platform takes in user content, and the Terms of Service, Terms of Service › “SHOPPING EXPERIENCES” describes disclosure of data to third parties or subprocessors. Both clauses are in force at the same time — read them together.
Automated cross-reference against the published rubric — not legal advice.
Clause intelligence
Canonical clauses and stance patterns extracted from the same gate-verified citations shown on this page.
The clause imposes arbitration, class-action waiver, or jury-trial waiver terms.
“IF YOU LIVE IN (OR YOUR PRINCIPAL PLACE OF BUSINESS IS IN) THE UNITED STATES, PLEASE READ THE BINDING ARBITRATION CLAUSE AND CLASS ACTION WAIVER IN SECTION 15 OF THE MICROSOFT SERVICES AGREEMENT . IT AFFECTS HOW DISPUTES RELATING TO THESE TERMS ARE RESOLVED. Welcome to Copilot, your personal AI companion! These Terms explain how you can use Copilot. By using Copilot, you agree to these Terms. Please read them care...”Open source citation
The clause imposes arbitration, class-action waiver, or jury-trial waiver terms.
“IF YOU LIVE IN (OR YOUR PRINCIPAL PLACE OF BUSINESS IS IN) THE UNITED STATES, PLEASE READ THE BINDING ARBITRATION CLAUSE AND CLASS ACTION WAIVER IN SECTION 15 OF THE MICROSOFT SERVICES AGREEMENT . IT AFFECTS HOW DISPUTES RELATING TO THESE TERMS ARE RESOLVED. Welcome to Copilot, your personal AI companion! These Terms explain how you can use Copilot. By using Copilot, you agree to these Terms. Please read them care...”Open source citation
The clause imposes arbitration, class-action waiver, or jury-trial waiver terms.
“IF YOU LIVE IN (OR YOUR PRINCIPAL PLACE OF BUSINESS IS IN) THE UNITED STATES, PLEASE READ THE BINDING ARBITRATION CLAUSE AND CLASS ACTION WAIVER IN SECTION 15 OF THE MICROSOFT SERVICES AGREEMENT . IT AFFECTS HOW DISPUTES RELATING TO THESE TERMS ARE RESOLVED. Welcome to Copilot, your personal AI companion! These Terms, along with the Microsoft Services Agreement explain how you should use Copilot. By using Copilot,...”Open source citation
The clause requires defense, indemnity, or hold-harmless obligations.
“If a third party sues a commercial customer for copyright infringement for using Microsoft's Copilots or the output they generate, we'll defend the customer and pay the amount of any adverse judgments or settlements that result from the lawsuit, as long as the customer used the guardrails and content filters we have built into our products. For more information, see Microsoft announces new Copilot Copyright Commit...”Open source citation
The clause limits liability or disclaims warranties.
“Copilot may include advertising. Copilot may include both automated and manual (human) processing of data. You shouldn’t share any information with Copilot that you don’t want us to review. We plan to continue to develop and improve Copilot, but we make no guarantees or promises about how Copilot will operate or that it will operate as intended. Sometimes, we may offer certain features or services as part of “Copi...”Open source citation
Tier matrix
Plan-level conditions detected from citation-backed clauses. Empty tiers mean AIRIN has not captured decisive tier language yet.
| Tier | Surface | Verdict | Risk | Citations |
|---|---|---|---|---|
| All applicable tiers | indemnity liability | conditional | MEDIUM | 3 |
| All applicable tiers | moderation enforcement | conditional | MEDIUM | 1 |
| All applicable tiers | privacy data use | conditional | MEDIUM | 3 |
| All applicable tiers | subprocessors data sharing | conditional | MEDIUM | 4 |
| All applicable tiers | training use | conditional | MEDIUM | 7 |
| Team / Business | governing law disputes | conditional | MEDIUM | 3 |
Policy evolution
Open full timelineBefore/after stance changes across captured policy versions. When no material delta exists yet, AIRIN shows the latest citation-backed stance events instead.
legal burden changed from medium/indemnity to medium/liability limited.
“If a third party sues a commercial customer for copyright infringement for using Microsoft's Copilots or the output they generate, we'll defend the customer and pay the amount of any adverse judgments or settlements that result from the lawsuit, as long as the customer used the guardrails and content filters we have built into our products. For more information, see Microsoft announces new Copilot Copyright Commitment for customers .”Before citation
“Copilot may include advertising. Copilot may include both automated and manual (human) processing of data. You shouldn’t share any information with Copilot that you don’t want us to review. We plan to continue to develop and improve Copilot, but we make no guarantees or promises about how Copilot will operate or that it will operate as intended. Sometimes, we may offer certain features or services as part of “Copilot Labs.” These features and services are highly experimental and may not always work as intended. We may add, modify, or remove features or services from Copilot Labs at any time for any reason. We may limit the speed or performance of Copilot as we think necessary. When you request that Copilot take Actions on your behalf, you are solely responsible for those Actions and any results or consequences. Copilot can make mistakes, and it may not work as intended. Do not use Copilot as a substitute for professional advice. Always verify the accuracy of information presented by Copilot before you rely on it. We are not responsible for any consequences that arise from your use of or reliance on Copilot. WITHOUT LIMITING SECTION 12 OF THE MICROSOFT SERVICES AGREEMENT IN ANY WAY, BUT FOR THE SAKE OF CLARITY, WE DO NOT MAKE ANY WARRANTY OR REPRESENTATION OF ANY KIND ABOUT COPILOT. For example, we can’t promise that any Copilot’s Responses won’t infringe someone else’s rights (like their copyrights, trademarks, or rights of privacy) or defame them.”After citation
Latest stance: third party or vendor sharing on training use
“Copilot Health may be available to you depending on your age and location. Copilot Health is designed to provide personalized information about your health and wellness. It is not intended to diagnose, treat or prevent medical conditions, and it should not be used to replace professional medical advice. The personal information, including health information, that you provide to Copilot Health is collected, processed, and stored in accordance with the Microsoft Privacy Statement and the Microsoft Consumer Health Data Privacy Policy , unless subject to an exception. For example, the information you provide to Copilot Health is not used for advertising purposes, and it is not used to develop or train AI models. To learn more, please see the Copilot Health FAQ . Before providing your consent for Copilot Health to collect, process and use your information, carefully review the disclaimers and disclosures for Copilot Health, as well as the Copilot Health FAQ . Similarly, you should review the disclaimers, disclosures, terms, and policies (including privacy policies) of third parties that provide services through Copilot Health. For example, you should review HealthEx's End User Privacy Policy before you decide to connect your electronic health records. If you do not understand or agree to the applicable terms and policies provided by either Microsoft or third parties, please do not use Copilot Health. If you decide to connect with a third party while using Copilot Health, you authorize us to share information about you with the third party.”Open timeline citation
Latest stance: no training claim on training use
“Copilot Health may be available to you depending on your age and location. Copilot Health is designed to provide personalized information about your health and wellness. It is not intended to diagnose, treat or prevent medical conditions, and it should not be used to replace professional medical advice. The personal information, including health information, that you provide to Copilot Health is collected, processed, and stored in accordance with the Microsoft Privacy Statement and the Microsoft Consumer Health Data Privacy Policy , unless subject to an exception. For example, the information you provide to Copilot Health is not used for advertising purposes, and it is not used to develop or train AI models. To learn more, please see the Copilot Health FAQ . Before providing your consent for Copilot Health to collect, process and use your information, carefully review the disclaimers and disclosures for Copilot Health, as well as the Copilot Health FAQ . Similarly, you should review the disclaimers, disclosures, terms, and policies (including privacy policies) of third parties that provide services through Copilot Health. For example, you should review HealthEx's End User Privacy Policy before you decide to connect your electronic health records. If you do not understand or agree to the applicable terms and policies provided by either Microsoft or third parties, please do not use Copilot Health. If you decide to connect with a third party while using Copilot Health, you authorize us to share information about you with the third party.”Open timeline citation
Latest stance: third party or vendor sharing on privacy data use
“Depending on your location and other factors, we may offer you the opportunity to browse, shop and buy certain products through Copilot. If you use Copilot to buy something, it’s sold and shipped by a third party (“ Merchant ”), not by us. We don’t process payments for your purchases through Copilot. Anything you buy with Copilot is subject to the Merchant’s terms and conditions (including pricing, fees, and shipping, cancellation, and refund policies). You are responsible for reading and complying with the Merchant’s terms that apply to your purchase, including how the Merchant collects and uses your personal information under its privacy policy. We aren’t responsible or liable for any dispute between you and the Merchant about your purchase. If you have any disputes or questions about any product you purchase through Copilot, you must address it directly with the Merchant. If you have disputes or questions about your payment for the product, you must address it with your payment issuer, bank, or wallet provider. We collect, store, use, and share your personal information, including your payment information and purchases you make, in accordance with the Microsoft Privacy Statement . You authorize each Merchant to share with us information about you and your purchase, and for us to send information (including your personal information and transaction details) to the Merchant, the Merchant’s payment processor, our payment processor, or other third party necessary to complete your purchase.”Open timeline citation
Latest stance: arbitration or waiver on governing law disputes
“IF YOU LIVE IN (OR YOUR PRINCIPAL PLACE OF BUSINESS IS IN) THE UNITED STATES, PLEASE READ THE BINDING ARBITRATION CLAUSE AND CLASS ACTION WAIVER IN SECTION 15 OF THE MICROSOFT SERVICES AGREEMENT . IT AFFECTS HOW DISPUTES RELATING TO THESE TERMS ARE RESOLVED. Welcome to Copilot, your personal AI companion! These Terms, along with the Microsoft Services Agreement explain how you should use Copilot. By using Copilot, you agree to these Terms. Please read them carefully before you start using Copilot.”Open timeline citation
Capture recency
- Privacy Policy:Last captured 2026-08-28· verified 2026-06-10verified once — no re-scan in 93 days
- Terms of Service:Last captured 2026-08-21· verified 2026-08-21
Dates state when our pipeline captured and verified each document — not when the vendor last changed it. Documents are re-scanned on a recurring cadence; a document verified once says so until a re-scan confirms it again.
↓ 134 fewer findings this quarter vs last (68 vs 202). First scan: June 2026.
Compare and stack are saved in your browser. Open compare · View your stack. A correction triggers an automated re-read of Microsoft Copilot's policies — no human edits the data.
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We haven't yet verified Microsoft Copilot's Privacy Policy. Point us at the official page and our pipeline will attempt to capture and read it in full. Submissions are candidates only — nothing is published until it passes the same verification gates as every other document on this site.
Every finding above is a verbatim quote from Microsoft Copilot's own published policy, captured to an immutable snapshot and read in full through a two-gate verification pipeline. Confidence labels and any analysis are AI-generated and informational only — not legal advice.
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