ChatGPT

AI assistant by OpenAI for conversation, analysis, and content creation

Microsoft Copilot

AI assistant embedded across Microsoft 365 apps

ChatGPT

Moderate

16/25

Microsoft Copilot

Strong

20/25

Score Breakdown

DimensionChatGPTMicrosoft Copilot

Data Residency

Where is your data stored and processed?

ChatGPT: Enterprise/Business customers can choose from 10+ regional data residency options including EU and UK

Microsoft Copilot: Microsoft offers data residency across multiple global regions including US, EU, UK, and Asia Pacific. Customers can select their data location and data stays within the Microsoft 365 compliance boundary.

3/5

Enterprise/Business customers can choose from 10+ regional data residency options including EU and UK

4/5

Microsoft offers data residency across multiple global regions including US, EU, UK, and Asia Pacific. Customers can select their data location and data stays within the Microsoft 365 compliance boundary.

Legal Jurisdiction

Which laws govern the company and your data?

ChatGPT: US Delaware corporation, subject to CLOUD Act; DPAs available for GDPR

Microsoft Copilot: Incorporated in Washington State, US. Subject to US laws including the CLOUD Act. Microsoft has challenged government data requests and offers EU Data Boundary commitments.

2/5

US Delaware corporation, subject to CLOUD Act; DPAs available for GDPR

3/5

Incorporated in Washington State, US. Subject to US laws including the CLOUD Act. Microsoft has challenged government data requests and offers EU Data Boundary commitments.

Data Retention & Training

Is your data used for model training?

ChatGPT: Free/Plus tiers may train on data; Business and Enterprise tiers exclude data from training by default

Microsoft Copilot: Copilot interactions inherit Microsoft 365 retention policies. Administrators have granular control over data retention, deletion, and eDiscovery. Copilot prompts and responses are stored in Exchange Online.

3/5

Free/Plus tiers may train on data; Business and Enterprise tiers exclude data from training by default

4/5

Copilot interactions inherit Microsoft 365 retention policies. Administrators have granular control over data retention, deletion, and eDiscovery. Copilot prompts and responses are stored in Exchange Online.

Certifications

ISO 27001, SOC 2, Cyber Essentials, etc.

ChatGPT: SOC 2 Type II, ISO 27001/17/18/701 certified

Microsoft Copilot: One of the most extensively certified cloud platforms globally, holding SOC 1/2 Type II, ISO 27001, ISO 27018, ISO 27701, FedRAMP High, and dozens of additional certifications across regions and industries.

4/5

SOC 2 Type II, ISO 27001/17/18/701 certified

5/5

One of the most extensively certified cloud platforms globally, holding SOC 1/2 Type II, ISO 27001, ISO 27018, ISO 27701, FedRAMP High, and dozens of additional certifications across regions and industries.

Regulatory Fit

Suitability for regulated industries and professional services

ChatGPT: Enterprise plan with regional residency and DPA suitable for regulated industries

Microsoft Copilot: Supports a vast range of regulatory frameworks including GDPR, HIPAA, FedRAMP, FERPA, and many industry-specific requirements. Government cloud offerings available for public sector customers.

4/5

Enterprise plan with regional residency and DPA suitable for regulated industries

4/5

Supports a vast range of regulatory frameworks including GDPR, HIPAA, FedRAMP, FERPA, and many industry-specific requirements. Government cloud offerings available for public sector customers.

Total Score

16/25

20/25

Best For

ChatGPT

Best for organisations requiring broad certification coverage (SOC 2 Type II, ISO 27001, ISO 27017); teams on a tight budget.

Microsoft Copilot

Best for organisations requiring broad certification coverage (SOC 1 Type II, SOC 2 Type II, ISO 27001); privacy-conscious teams who need strong data retention controls.

Detailed Comparison

ChatGPT vs Microsoft Copilot: Trust & Compliance Comparison

ChatGPT (OpenAI, US) scores 16/25 overall with a Bronze (Moderate) trust badge. AI assistant by OpenAI for conversation, analysis, and content creation. Microsoft Copilot (Microsoft, US) scores 20/25 with a Silver (Strong) trust badge. AI assistant embedded across Microsoft 365 apps.

Dimension-by-Dimension Breakdown

#### Data Residency

Microsoft Copilot leads with 4/5 vs 3/5.

●ChatGPT (3/5): Enterprise/Business customers can choose from 10+ regional data residency options including EU and UK

●Microsoft Copilot (4/5): Microsoft offers data residency across multiple global regions including US, EU, UK, and Asia Pacific. Customers can select their data location and data stays within the Microsoft 365 compliance boundary.

#### Legal Jurisdiction

Microsoft Copilot leads with 3/5 vs 2/5.

●ChatGPT (2/5): US Delaware corporation, subject to CLOUD Act; DPAs available for GDPR

●Microsoft Copilot (3/5): Incorporated in Washington State, US. Subject to US laws including the CLOUD Act. Microsoft has challenged government data requests and offers EU Data Boundary commitments.

#### Data Retention & Training

Microsoft Copilot leads with 4/5 vs 3/5.

●ChatGPT (3/5): Free/Plus tiers may train on data; Business and Enterprise tiers exclude data from training by default

●Microsoft Copilot (4/5): Copilot interactions inherit Microsoft 365 retention policies. Administrators have granular control over data retention, deletion, and eDiscovery. Copilot prompts and responses are stored in Exchange Online.

#### Certifications

Microsoft Copilot leads with 5/5 vs 4/5.

●ChatGPT (4/5): SOC 2 Type II, ISO 27001/17/18/701 certified

●Microsoft Copilot (5/5): One of the most extensively certified cloud platforms globally, holding SOC 1/2 Type II, ISO 27001, ISO 27018, ISO 27701, FedRAMP High, and dozens of additional certifications across regions and industries.

#### Regulatory Fit

Both score equally at 4/5.

●ChatGPT (4/5): Enterprise plan with regional residency and DPA suitable for regulated industries

●Microsoft Copilot (4/5): Supports a vast range of regulatory frameworks including GDPR, HIPAA, FedRAMP, FERPA, and many industry-specific requirements. Government cloud offerings available for public sector customers.

Certifications at a Glance

Certification	ChatGPT	Microsoft Copilot
FedRAMP High	No	Yes
ISO 27001	Yes	Yes
ISO 27017	Yes	No
ISO 27018	Yes	Yes
ISO 27701	Yes	Yes
SOC 1 Type II	No	Yes
SOC 2 Type II	Yes	Yes

Overall Verdict

Microsoft Copilot has a clear trust advantage, scoring 20/25 compared to ChatGPT's 16/25. Microsoft Copilot particularly excels in data residency, legal jurisdiction, data retention & training, certifications.

Frequently Asked Questions

Which is better for EU compliance, ChatGPT or Microsoft Copilot?

ChatGPT has a TrustKit score of 16/25 while Microsoft Copilot scores 20/25. Microsoft Copilot currently rates higher across data residency, legal jurisdiction, data retention, certifications, and regulatory fit.

How do ChatGPT and Microsoft Copilot compare on data residency?

ChatGPT scores 3/5 for data residency (Enterprise/Business customers can choose from 10+ regional data residency options including EU and UK), while Microsoft Copilot scores 4/5 (Microsoft offers data residency across multiple global regions including US, EU, UK, and Asia Pacific. Customers can select their data location and data stays within the Microsoft 365 compliance boundary.).

Are ChatGPT and Microsoft Copilot GDPR compliant?

Both tools are assessed across five compliance dimensions. ChatGPT has a regulatory fit score of 4/5 and Microsoft Copilot scores 4/5. Check the full comparison above for a detailed breakdown.

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