Apple Microsoft
On what the policies say, Apple is the better choice for your data: graded B against Microsoft's D.
Apple
Apple states your private personal data is not used to train its foundational AI models. Note the two qualifiers doing work in that sentence.
Verdict
B
- Does not train on you by default
- No opt-out in the policy
- Off by default. Training happens only if you opt in, or not at all.
- 5 Oct 2026
Microsoft
Microsoft says it uses your data to develop, train and fine-tune its AI models. The Copilot training sentence it stated "in some markets" has gone; the switch stays on Copilot's controls page.
Verdict
D
- Trains on you by default
- A self-serve opt-out exists
- On by default. An opt-out exists, but you have to go looking for it.
- 5 Oct 2026
Apple: every plan
Apple · what each plan can refuse · checked 5 Oct 2026
All consumer devices & services
NO
Nothing to switch off
Not stated
Not stated
Unknown
14 / 50
Off by default
0 / 33
Nothing is on, so nothing needs refusing
0 / 4
No paywall on the control
0 / 4
One kind of data is in scope
2 / 4
The policy does not say whether people read it
2 / 2
Nothing is said about de-identification
All consumer devices & servicesTRAINS: NO
- Nothing to switch off
- Not stated
- 18 / 100
- Not stated
- Unknown
Microsoft: every plan
Microsoft · what each plan can refuse · checked 5 Oct 2026
All consumer accounts (Microsoft account)
YES
Self-serve toggle
Not stated
Qualified
Unknown
32 / 50
On by default, with a way out
15 / 33
One switch, but the policy never says which way it ships
0 / 4
No paywall on the control
1 / 4
2 kinds of data are in scope
2 / 4
The policy does not say whether people read it
1 / 2
De-identification is promised with a qualifier
All consumer accounts (Microsoft account)TRAINS: YES
- Self-serve toggle
- Not stated
- 51 / 100
- Qualified
- Unknown