Microsoft Copilot vs Money Tracker

Microsoft 365 Copilot Chat is available for work or education without an additional Copilot license and supports metered pay-as-you-go agents. Microsoft 365 Copilot Business is displayed at a promotional $18/user/month, paid yearly, versus a $21 list price. Microsoft 365 Business Standard with Copilot is $23.50/user/month paid yearly, and Business Premium with Copilot is $32/user/month paid yearly. Prices are USD, annual subscriptions that auto-renew, and may vary by market.

This verification is scoped to Microsoft 365 Copilot for business, not every consumer or product-specific service branded Copilot. Microsoft 365 Copilot works in Word, Excel, PowerPoint, Outlook, Teams, Loop, and other Microsoft 365 surfaces; it uses Microsoft Graph data the user is permitted to access and includes Copilot Chat, Copilot Search, agents, and app-specific drafting, summarization, analysis, and meeting capabilities. Prompts, responses, and Microsoft Graph data are not used to train foundation LLMs. Interaction content is stored under the customer's Microsoft 365 contractual commitments, encrypted at rest, manageable through Microsoft Purview, and deletable through Copilot activity history controls. Microsoft does not claim ownership of service output but does not determine whether output is copyright-protected or enforceable. Its Copilot Copyright Commitment can defend qualifying commercial customers against certain copyright claims when required guardrails and content filters were used. The official privacy and overview documentation was updated July 9, 2026. Re-verified 2026-10-01: The official Microsoft 365 Copilot pricing page still shows the recorded promotional $18/user/month Business price against the $21 list price, plus the $23.50 and $32 Business Standard/Premium-with-Copilot rates; no drift detected.

Free with ads; Premium is an in-app subscription sold only by the app stores. The vendor's own site publishes no price at all - no currency or price token appears on /en/, /zh-cn/, /zh-tw/, /ja/, /de/ or the root page, and its FAQ describes only an "optional yearly Premium plan". Store figures: App Store in-app purchases Yearly Premium $29.99 and Monthly Premium $2.99; Google Play in-app purchases listed as "$2.99 - $29.00 per item". No refund policy is published on the vendor's domain (/Info/refundPolicy and /en/refund-policy both 404), so store policy governs billing. Premium unlocks ad removal, unlimited AI entry, bill import, Android Smart Notification Entry, app lock, extra books and team books.

Submitted via form by the vendor 2026-10-23 03:33 UTC (2026-10-22 20:33 PDT); editorial entry written independently from live pages on the site's Pacific working date 2026-10-22. The submitted summary's own claim that no privacy page exists is only partly right: /privacy, /en/privacy, /en/privacy-policy and /privacy-policy all 404, but the Privacy Policy served at /Info/privacyPolicy returns 200 and is the exact URL both store listings cite as the app's policy - the marketing site simply never links it (no legal, contact or terms link appears in any of the 45 locales; the footer is "(c) Money Tracker" and no email address appears anywhere on the site). No Terms of Service exists on the domain: /terms, /terms.html, /en/terms, /terms-of-service, /en/terms-of-service, /legal, /agreement, /Info/agreement, /eula, /Info/eula, /Info/terms and /Info/termsAndConditions all 404, while the notice states the terms used have the same meanings as in "our Terms and Conditions, which are accessible at Money Tracker". Notice content verified in full: effective 2023-03-09, contact freemanzk@163.com, third parties named as Google Play Services, Apple Services, AdMob, Firebase Analytics, Crashlytics, Facebook and Adjust, GDPR/CCPA rights sections, no retention periods, no controller postal address or governing law, and no mention of financial information, receipt or bill images, voice recordings, notification content or any AI processor - while Google Play's Data safety declares collection of "Personal info, Financial info and 2 others" and sharing of "Personal info and Device or other IDs", and Apple's App Privacy label (declared by the developer, unverified by Apple) lists Identifiers used to track you and Purchase History, Other User Content, User ID and Device ID linked to the user. The notice also calls the service "an Ad Supported app" "provided ... at no cost" against live in-app purchases, and its CCPA section refers to a "Do Not Sell My Personal Information" section or web page that is not published. Both stores verified as the same product and operator: Google Play com.freeman.moneymanager, 5M+ installs, 4.8 stars from about 324K reviews, updated 2026-10-21, developer account Horoscope365, developer block naming Zheng Kui with a Beijing postal address and support address freemanzk@163.com, website field money.quhou123.com; App Store id6444122615, 4.8 from 414 ratings, seller Zheng Kui, category Finance, Privacy Policy field the same /Info/privacyPolicy URL, in-app purchases $29.99 yearly and $2.99 monthly. Domain quhou123.com registered 2018-02-28 via Alibaba Cloud (Beijing), nameservers vip3/vip4.alidns.com, A record 161.117.61.56 (Alibaba Cloud), and no MX records - so no @quhou123.com mailbox can receive mail and the published 163.com address plus the Gmail used for the submission are the only working routes. The operator's horoscope site www.quhou123.com is live and is the origin of the Horoscope365 publisher name. Name checked: 'Money Tracker' is a crowded descriptive name across both stores rather than a brand dispute, and the App Store description body still calls the product 'Money Manager' while the store title says Money Tracker.