How grounding works with individual or family accounts

The Microsoft 365 Personal plan is designed for an individual user.

Account owner's content only, such as files stored in OneDrive, emails and calendar events in Outlook.com, Word documents, and more.

"Draft a thank you note based on the Word doc I wrote yesterday."

The Microsoft 365 Family plan extends its benefits to up to six users, but only the primary account holder receives full Copilot capabilities.

While grounding is still based on each user's own content, only the primary account holder receives full Copilot grounding and features.

"Summarize my daughter's school schedule from the shared Outlook calendar."

The Microsoft 365 Premium plan builds on Microsoft 365 Family by offering enhanced AI features, higher usage limits, and priority access to new tools, such as Designer and Create.

Account owner's content only with richer grounding from Copilot agents, Copilot Notebooks, Copilot Pages, and Designer and Create for image generation.

"What are the top three risks mentioned in my recent project files?"

If you sign in with your personal Microsoft account to use Microsoft Copilot, you get access to your chat history, image creation, longer conversations, voice interactions, and other Copilot features.

Account owner's content only, such as files stored in OneDrive, emails and calendar events in Outlook.com, Word documents, and more.

"Summarize my resume.docx."