OpenAI added marketing uses and financial services terms in 2026.
In July 2026, OpenAI’s Privacy Policy added direct marketing as a use of personal data, including on third-party properties, and allowed limited sharing with select marketing partners who are not service providers, subject to user choices.
In September, its Service Terms added a section on ChatGPT for Financial Services: output is informational only, and OpenAI does not provide financial or investment advice through it.
OpenAI’s API data page says data sent to the API is not used to train OpenAI models unless a customer opts in.
What OpenAI’s documents say about client data.
Quoted from the current version of each document. The right-hand column shows how many of the 75 vendors we monitor have a matching clause.
Using customer data to train AI
Addressed“As of March 1, 2023, data sent to the OpenAI API is not used to train or improve OpenAI models (unless you explicitly opt in to share data with us).”
Sharing data with third parties
Addressed“When we work with Service Providers, these parties will access, process, or store Personal Data based on our instructions and only in the course of performing their duties to us.”
What changed, and when.
Notable changes since monitoring began in February 2026, newest first. Each is written from our automated comparison of the before and after versions, then reviewed by a person.
Added terms for agentic features, making users responsible for agents’ actions
New Section 14 says users decide how to use agentic features, are responsible for actions agents take for them, and must provide appropriate oversight.
Expanded connector access to proactive interactions
Connectors and Actions Terms, updated September 28, 2026, now allow ongoing or proactive interactions, such as subscribing to updates to personalize suggestions.
Added Private Safety Processing options for API data retention
Zero Data Retention can now include automated safety monitoring with customer-controlled storage. A Private Retention option keeps content in encrypted abuse-monitoring logs.
Added terms for ChatGPT for Financial Services
Output is for informational purposes only. OpenAI does not provide financial or investment advice through these services, and data may be inaccurate, delayed or outdated.
Made its 2026 SOC 2 Type 2 report available
Covers July 1, 2025 to June 30, 2026 and the Security, Availability, Confidentiality and Privacy criteria. Available to authenticated users on the Trust Portal.
Added direct marketing and sharing with marketing partners to the Privacy Policy
Personal data may be used to promote OpenAI on third-party properties, and limited information shared with select marketing partners who are not service providers.
+ 84 other updates detected, such as formatting, page layout and wording changes.
- Oct 7, 2026: Terms of Use
- Oct 4, 2026: OpenAI Academy Terms of Use and Code of Conduct
- Oct 2, 2026: API Pricing
- Oct 1, 2026: OpenAI Academy Terms of Use and Code of Conduct
- Sep 27, 2026: OpenAI Academy Terms of Use and Code of Conduct
- Sep 24, 2026: OpenAI Academy Terms of Use and Code of Conduct
- Sep 22, 2026: Security & Privacy
- Sep 21, 2026: OpenAI Academy Terms of Use and Code of Conduct
49 OpenAI documents.
Sub-documents are other OpenAI documents that its policies link to, such as addenda and product terms. We list the ones identified so far; there may be others.
OpenAI terms: common questions.
Does OpenAI train its models on API data?
OpenAI’s API data page says that, as of March 1, 2023, data sent to the OpenAI API is not used to train or improve OpenAI models unless the customer explicitly opts in.
Does ChatGPT for Financial Services give investment advice?
OpenAI’s Service Terms, updated in September 2026, say its financial plugins and ChatGPT for Financial Services are for informational purposes only and that OpenAI does not provide financial or investment advice through them.
When did OpenAI last change its terms?
On September 30, 2026, we detected new Service Terms covering agentic features and updated Connectors and Actions Terms. OpenAI’s API data page also changed on September 23, 2026.