An AI executive from acingexam.com is presenting a summary of Copilot licensing details to internal teams. The executive states: "Copilot Chat, which includes business-grade safeguards, comes without extra charges for individuals holding appropriate Microsoft 365 business or academic subscriptions. Nevertheless, the complete Microsoft 365 Copilot functionality within applications such as Word, Excel, PowerPoint, and Teams necessitates an additional per-user payment." Is this assertion accurate?
