MS Copilot (free version) - commercial use of text and images generated

Dear MS Team nad other Advisors.

I would kindly like to ask about Microsoft Copilot - free version (web based and Skype Bing Chat based).

I would like to use Copilot free version commercially, mainly in Poland (EU):

a) generating text, using this text as inspiration or copy it to my company's social media posts or ebooks which I will be selling

b) generating images for company's social media (e.g. Facebook group background or information posts with image to make them more entertaining)

c) generating images for ebooks and video courses which I will be selling

I live in Poland and have a commercial Office 365 subscription (1-person company / freelance).

I have found by myself that:

1) https://www.bing.com/new/termsofuse?FORM=GENTOS

Bing Chat / Image Generator Terms of Use have changed and now they do not state that output cannot be used commercially.

2) https://answers.microsoft.com/en-us/bing/forum/all/commercial-use-of-images-generated-using-copilot/af4613c4-9ed5-40ed-81df-65aea64b246f

Somebody's output form Copilot stated that it can be used for free commarcially, but when I ask Copilot myself, it responds that I cannot answer that kind of question and it ends topic (I cannot continue it).

3) https://learn.microsoft.com/pl-pl/copilot/terms-of-use 

Microsoft does not claim any rights to output (images / text / etc.) generated by Copilot

4) https://www.uctoday.com/collaboration/is-microsoft-copilot-free-the-complete-guide-to-copilot-pricing/

Free Copilot has "Commercial Data Protection" which would suggest that it can be commercially used.

My questions are:

1) Can I use Copilot free version commercially (especially images generated by it)?

2) Do I have to add a watermark? If yes - what watermark (Mine? Copilot's? Both?)? Is it required or optional? Does it grant any additional protection (like author's rights protection)?

Regards

Jarosław