Ledger / Software and apps

Microsoft 365 Personal and Family: changes to terms, privacy policy, and pricing

Operated by Microsoft Corporation. FinePrint checks these documents up to four times a day and publishes each change here once it passes our review.

Documents we track

Document	First captured	Last checked
Terms of Service	October 30, 2026	November 3, 2026
Privacy Policy	October 30, 2026	November 3, 2026
Pricing page	October 30, 2026	November 3, 2026

Change history

September 29, 2026medium impact Historical, imported

Skipping Microsoft 365 app updates may make apps stop working.
Cortana is no longer supported.

The What

Microsoft's terms say that if you skip updates, apps may lose support or features. Cortana is gone, and Rewards now has two yearly caps: 550,000 points for other companies' rewards and 1,550,000 for Microsoft's own.

The Why

Turning off updates may leave your Microsoft 365 apps broken or missing features. Rewards users get a higher cap on Microsoft's own products, while the other cap stays the same.

Subscription Access

History via Open Terms Archive

March 6, 2026low impact Historical, imported

Microsoft's terms now list Xbox apps and websites.
It looks like a small addition.

The What

Microsoft added one line, Xbox apps and websites, to a list in its terms. The text around it isn't shown, so what it connects to is unclear.

The Why

This likely means the terms now cover Xbox apps and websites too, which matters if you use them. Nothing else appears to be removed or replaced.

Subscription Access

History via Open Terms Archive

January 13, 2026low impact Historical, imported

Microsoft added an intro to its terms.
It explains what the agreement covers.

The What

Microsoft's terms now open with an introduction that explains what they cover, plus a link to an FAQ and a page listing changes. Nothing was removed.

The Why

On Microsoft 365 Personal and Family plans, this mostly explains things and shows no change to price or features. The new summary of changes page is a handy place to see future updates.

Subscription Access

History via Open Terms Archive

September 29, 2025high impact Historical, imported

Some Microsoft trials now require auto renewal to be on.
Rewards points now expire after 12 months of no use.

The What

Microsoft may now require auto renewal for certain trial offers. Rewards points now expire after 12 months with no activity, down from 18, and new sections cover data export and AI services.

The Why

A trial you start may turn into a paid plan and charge you when it ends. Rewards points can now expire sooner, and the trial's end date matters most.

Subscription Access

History via Open Terms Archive

September 23, 2025low impact Historical, imported

Microsoft now lists the Copilot app as its own product.
It looks like a wording change.

The What

The product list in Microsoft's terms now lists the Microsoft 365 Copilot app on its own, apart from Microsoft 365 Copilot. The section this list belongs to isn't shown.

The Why

This looks like a clarification, not a change to what you pay or your main features. Because the section around it is not shown, it's hard to say if it affects Personal or Family plans.

Subscription Access

History via Open Terms Archive

January 16, 2025low impact Historical, imported

Microsoft added Microsoft 365 app to a product list.
It probably does not change what you pay.

The What

The product list in Microsoft's terms adds one name, Microsoft 365 app, just after Microsoft 365 Apps. The rest of the list is the same.

The Why

The new name seems to clarify a product you may already have, not add a new charge. The section around the list would show what it actually applies to.

Subscription Access

History via Open Terms Archive

January 15, 2025medium impact Historical, imported

Microsoft's terms now name Copilot and Copilot Chat.
This may mean AI features now fall under the terms.

The What

Microsoft's terms now add Copilot and Copilot Chat to a list of Microsoft 365 products. The rest of the list was reworded but means the same.

The Why

Naming Copilot suggests the terms now reach AI features that weren't listed before. What the list controls isn't shown, so whether your plan includes Copilot is the thing to check.

Subscription Access

History via Open Terms Archive

December 5, 2024low impact Historical, imported

Microsoft's terms now list Microsoft Reading Coach.
They don't say what it does yet.

The What

Microsoft 365 Personal and Family terms now list Microsoft Reading Coach as a new item. Only the name is listed, with nothing removed.

The Why

It's just a listing, not a change to price or your rights, so the impact is likely low. Whether it costs extra is not stated here, and the full terms would explain it.

Subscription Access

History via Open Terms Archive

FinePrint publishes a short excerpt and a summary, never the full document. Information, not legal advice.

Watch Microsoft 365 Personal and Family for changes