Connecting contacts uploads your address book

If you connect your contacts, OpenAI uploads address-book information, checks which contacts use the service, and may tell you if others join later.

This applies only if you choose to connect your device contacts.

Enrolling in credit features authorizes credit-file access

If you connect credit information, you authorize OpenAI and Experian to access your profile for credit services, personalization, and service improvement.

This applies only if you enroll in Credit Score Services by connecting your credit information.

Deleting data may not remove de-identified information

OpenAI says it removes deleted personal data within 30 days, but already de-identified data and data retained for specified reasons may remain.

Account records include identifying and payment information

Registration requires accurate, complete information; the privacy policy says account information includes your name, contact details, credentials, birth date, payment information and transaction history.

Your choices affect limited targeted-ad data sharing

Depending on your choices, OpenAI may share limited data with marketing partners to promote its services on third-party properties.

This sharing depends on your choices; the policy describes ways to opt out.

The privacy policy says OpenAI does not sell personal data

OpenAI says it does not sell personal data, while separately describing limited sharing with marketing partners for targeted advertising.

Your content may train models unless you opt out

For individual services, OpenAI may use your content to train models; after you opt out, new conversations will not be used for training.

You keep input rights and own output, with limits

The terms say you retain rights in your input and own output, but other users may receive similar output and third-party output is excluded.

The terms allow suspension or termination for several reasons

OpenAI may suspend or end access if it determines you breached terms, must comply with law, or your use could cause risk or harm; you can appeal an error.

The terms specify individual arbitration and waive class trials

The terms seek individual arbitration and waive class actions and jury trials, with a 30-day arbitration opt-out and an exception for individual small-claims cases.

Paid subscriptions renew and charge you until you cancel

If you buy a paid subscription, the terms say your payment method is charged at each agreed renewal until you cancel; you can cancel at any time.

This applies only if you purchase a paid subscription.

Paid subscription payments are generally non-refundable

If you buy a paid subscription, the terms say payments are non-refundable except where required by law; they separately allow cancellation at any time.

This applies if you purchase a paid subscription and make a payment.