The agreement states that all purchases are final and non-refundable unless required by law or specified in a service offer, and that refund requests must be submitted within 90 days of the charge. Microsoft reserves discretion to issue refunds but states it is not obligated to do so consistently.
This analysis describes what Microsoft Copilot's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision establishes a default no-refund policy across covered services, subject to legal exceptions and service-specific offers, with refund requests limited to a 90-day window. The document preserves statutory refund rights where applicable law requires them.
⚠ Refund requests submitted more than 90 days after the charge will not be considered under the terms as written
⚠ Purchases will be treated as final and non-refundable absent a statutory right or service-specific offer providing otherwise
Cross-platform context
See how other platforms handle Non-Refundable Purchases and Refund Policy and similar clauses.
Compare across platforms →"Unless otherwise provided by law or by a particular Service offer, all purchases are final and non-refundable. If you believe that Microsoft has charged you in error, you must contact us within 90 days of such charge. No refunds will be given for any charges more than 90 days old. We reserve the right to issue refunds or credits at our sole discretion. If we issue a refund or credit, we are under no obligation to issue the same or similar refund in the future. This refund policy does not affect any statutory rights that may apply.Excerpt from Microsoft Copilot's Terms of Service
1) REGULATORY LANDSCAPE: Consumer protection statutes in the EU, UK, Australia, and several U.S.
Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.
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This provision establishes a default no-refund policy across covered services, subject to legal exceptions and service-specific offers, with refund requests limited to a 90-day window. The document preserves statutory refund rights where applicable law requires them.
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