176 Total
93 High severity
73 Medium severity
10 Low severity

Key Facts

What will Microsoft do with data or content associated with a closed Microsoft account?
Microsoft will delete data or content associated with a closed Microsoft account, or disassociate it from the user, unless law requires Microsoft to keep, return, or transfer it.
When will Microsoft delete or disassociate data from the user?
Microsoft will delete data or content associated with a closed Microsoft account, or disassociate it from the user, unless law requires Microsoft to keep, return, or transfer it.
Are all purchases final and non-refundable?
Microsoft makes all purchases final and non-refundable unless otherwise provided by law or by a particular Service offer.
What does Microsoft deem a chargeback or bank reversal initiated by the user to constitute?
Microsoft deems a chargeback or bank reversal initiated by the user to constitute cancellation as of the original payment date, and Microsoft is authorized to immediately cancel the Service and/or revoke any content.
Does Microsoft prohibit class action lawsuits?
Microsoft prohibits class action lawsuits, class-wide arbitrations, private attorney-general actions, requests for public injunctions, and any other proceeding or request for relief where someone acts in a representative capacity.
Does Microsoft prohibit class-wide arbitrations and private attorney-general actions?
Microsoft prohibits class action lawsuits, class-wide arbitrations, private attorney-general actions, requests for public injunctions, and any other proceeding or request for relief where someone acts in a representative capacity.
What does Microsoft cap the user's exclusive remedy for damages at?
Microsoft caps the user's exclusive remedy for damages at direct damages equal to one month's Services fee, or up to $10.00 if the Services are free, recoverable from Microsoft, its affiliates, resellers, distributors, Third-Party Apps and Services providers, and vendors.
Can Microsoft change the Terms at any time?
Microsoft may change the Terms at any time and will notify users, and using the Services after the changes become effective constitutes agreement to the new terms.
What constitutes agreement to new terms when Microsoft changes them?
Microsoft may change the Terms at any time and will notify users, and using the Services after the changes become effective constitutes agreement to the new terms.
Does Microsoft hold a worldwide, royalty-free intellectual property license to use content users upload or provide?
Microsoft holds a worldwide, royalty-free intellectual property license to use content users upload or provide, including by copying, retaining, transmitting, reformatting, displaying, and distributing it via communication tools on the Services.
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Summary

This agreement sets out the rules for using Microsoft's Services, including what Microsoft can do with your content, how disputes are handled, and what happens if you stop logging in. Microsoft makes no warranties about its Services and limits what you can recover if something goes wrong. You cannot sue Microsoft as part of a class action, and all purchases are generally final.

Analysis

The Microsoft Services Agreement establishes the terms governing user access to and use of Microsoft's Services, imposing account activity requirements, data retention practices tied to account closure, and intellectual property licenses over user-uploaded content. Microsoft disclaims all warranties and caps recoverable damages at one month's fees or $10.00 for free Services, designating direct damages as the exclusive remedy. The agreement prohibits class and representative proceedings, restricts use of Microsoft's AI services for high-stakes automated decisions without human oversight, and bars users from using Microsoft's AI services or their outputs to create, train, or improve any AI technology. Microsoft reserves the right to modify these Terms at any time, with continued use of the Services constituting binding acceptance of revised terms.

What this means for you

If you do not sign in to your Microsoft account at least once every two years, Microsoft will close it and delete or disassociate your stored data and content. All purchases are final and non-refundable unless law or a specific offer provides otherwise, and initiating a chargeback causes Microsoft to treat your account as cancelled from the original payment date and to immediately revoke Service access and content. You cannot bring or join a class action or representative proceeding against Microsoft, and any financial recovery is capped at one month's Service fee or $10.00 for free Services. To protect your data, you should sign in regularly and back up any content you wish to retain.

Institutional Analysis
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Which mapped governance frameworks each document engages, tied to the specific provisions that engage them.

Featured, High severity

Complete Provision Index

Every distinct legal provision identified in this document. Featured provisions appear above with analysis.

176 provisions
12 featured
23 clause types
93 high severity
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Mapped Governance Frameworks

CFAA
United States Federal
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DSA
European Union
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FAA
United States Federal
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Archival ProvenanceSource & Archival Record
Last Captured April 19, 2026 06:03 UTC
Capture Method Automated scheduled archival capture
Document ID CA-D-000002
Version ID CA-V-000630
SHA-256 (extracted text; extractor version not recorded, so this hash may not reproduce today) a8abc0190dc11afa9c163be7d70b965a28d785ea5c7aa9127f3ef473417be0fa
✓ Snapshot stored ✓ Text extracted ✓ Change verified ✓ Hash verified

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