Free resource · Excel and PDF

Check an AI tool against the rules before students use it.

47 checks across privacy and data protection, where the data is stored, age limits, content safety, human review, transparency, accessibility and the vendor’s terms. Each one says why it matters and points to the law or regulator behind it: Ontario’s MFIPPA, Canada’s PIPEDA, the US FERPA and COPPA, and the privacy commissioners’ guidance. Mark each Pass, Fail or Not applicable, with notes.

Get the files

  • The checklist in Excel: 47 checks, each with why it matters, its source and a Pass, Fail or Not applicable answer, with notes and where you found it
  • A summary sheet that counts your answers by area
  • Which privacy law applies, from the regulators’ own words: MFIPPA, PIPEDA, FERPA and COPPA
  • The minimum ages in the terms of ChatGPT, Gemini, Copilot and Claude, as read on 5 October 2026
  • A printable PDF of the checklist, with every source
  • Updated 5 October 2026
  • 39 sources
  • Excel checklist and printable PDF

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What the checklist covers.

Eight areas, in the order a review usually runs. Every check names the law, regulator or guidance it comes from.

The eight areas of the checklist
AreaChecksWhat it asks
Privacy and data protection11Which law applies; collecting only what is needed; the purpose; training models on student data; a privacy assessment; private defaults; safeguards; breaches; retention; opting out; profiling.1,6,12
Where the data is stored4Where the data and backups sit, and who the subprocessors are; data leaving Canada; information too sensitive to send; the right to audit.9,16
Age limits5The minimum age in the tool’s own terms; school accounts; consent for students under 13 in the US and in Canada; Ontario school board notices.22,10,4
Content safety5Filters for harmful content; testing for your students’ ages; a way to stop the tool; checking its answers; images of real people.11,38,27
Human review5A person reviewing output that affects a student; teachers able to override; one person responsible; a way to ask for a human review; a risk assessment.26,17
Transparency5Telling students when they are dealing with AI; plain-language notices; how the tool works and where it fails; published assessments; consulting families.17,12
Accessibility3WCAG 2.0 Level AA in Ontario, WCAG 2.1 Level AA for US public schools; accessible formats on request; accessibility in procurement.34,35
Vendor terms9Who owns the data; what the vendor may use it for; advertising and profiling; subcontractors; changes to the terms; deletion at the end; who approved the tool; COPPA responsibility; FERPA’s school official exception.21,16,24

Which privacy law applies.

The first check, and the one the rest depend on. These are the regulators’ own statements of who each law covers.

  • Ontario school boards are institutions under MFIPPA, and personal information under it includes a person’s education history.1
  • The Information and Privacy Commissioner of Ontario’s schools guide says private schools are not subject to MFIPPA or FIPPA, and that some private schools are covered by the federal PIPEDA.13
  • PIPEDA applies to an organization’s collection, use and disclosure of personal information in the course of commercial activities.6
  • The Office of the Privacy Commissioner of Canada’s general view is that PIPEDA does not apply to the core activities of schools, but it recommends that private educational institutions operate on the assumption that PIPEDA applies to them, unless a substantially similar provincial law does.7
  • In a 2006 finding about a non-profit charitable private school, the OPC presumed a school’s core educational activities are non-commercial, a presumption rebutted when the school aims to earn a profit for its owners.8
  • In the United States, FERPA applies to schools that receive funds under a program administered by the Secretary of Education, and COPPA covers operators of online services directed to children under 13, or that knowingly collect personal information from them.19,22

Minimum ages in the vendors’ own terms.

From each vendor’s consumer terms or help pages, as read on 5 October 2026. School and education accounts can carry different terms.

Minimum ages for general AI chatbots
ToolMinimum ageWhat the terms say
ChatGPT (OpenAI)1313, or the local age of consent, with a parent’s or guardian’s permission for users under 18.29
Gemini (Google)1313, or the local age, with a personal or school account, and 18 with a work account. On a school account, the institution’s administrator must enable Gemini. A parent can give a child under 13 access through Family Link.30,31
Copilot (Microsoft)1313, or older where national law requires. Microsoft may turn off or limit some features for users under 18, and these consumer terms do not apply to users signed in with a work or school account.32
Claude (Anthropic)1818, or the local age of consent if higher.33

UNESCO’s 2023 guidance, from an intergovernmental body rather than a regulator, proposes 13 as the minimum age for independent conversations with generative AI.

What changed recently.

  • The amended COPPA Rule took effect on June 23, 2025, with compliance by April 22, 2026: separate parental consent for disclosures to third parties, a written data retention policy with a deletion timeframe, and a written information security program.23,22
  • From January 1, 2027, MFIPPA requires a written privacy impact assessment before an institution collects personal information, unless the regulations provide otherwise, and requires institutions to report to the IPC any theft, loss or unauthorized use or disclosure of personal information with a real risk of significant harm, and to tell the people affected.1,3
  • Since July 1, 2026, O. Reg. 52/26 requires every Ontario school board to give written notice before a student’s personal digital information is disclosed to a software application’s owner or operator, and O. Reg. 51/26 requires school boards, among others, to run a cyber security program.4,5
  • On January 21, 2026, Ontario’s Information and Privacy Commissioner and Human Rights Commission released joint principles for the responsible use of AI.17
  • On October 8, 2025, Canada’s federal, provincial and territorial privacy regulators called for children’s information to be treated as sensitive in ed tech, with the best interests of the child paramount.12
  • On April 20, 2026, the US Department of Justice moved the web accessibility compliance dates for state and local governments, public schools included, to April 26, 2027 for those with a population of 50,000 or more, and to April 26, 2028 for smaller ones and special district governments.36,37

How to use it.

  • Fill in the tool, the vendor, the plan or version, who reviewed it and when, and who will use it.
  • Answer each check Pass, Fail or Not applicable from the vendor’s terms, privacy policy and documentation, and note where you found the answer.
  • Read the Summary sheet: it counts the answers in each area. A Fail is a question to put to the vendor before the tool reaches students.
  • Keep the workbook with the decision, and review it again when the vendor changes its terms.

A checklist, not legal advice. It sets out what laws, regulators and official guidance say, so a school can ask a vendor the right questions. Whether a law applies to your school, and what it requires of you, is a question for your lawyer or the regulator.

Vendor terms change. The ages and terms quoted are from the vendors’ pages as read on 5 October 2026.

Where Elevate Grade fits

An AI tutor that shows its sources, inside your Moodle.

Marlo answers students and staff inside the school’s Moodle from the school’s own courses and documents, lists the sources under every answer, and explains the course without doing the student’s work. Administrators can read every conversation.

Sources

Every numbered fact comes from one of these sources: the laws, regulators and government guidance, two intergovernmental bodies, UNESCO and UNICEF, and the vendors’ own terms for the age limits. Each was read on the day shown, and the resource was updated on 5 October 2026. Check the source before you rely on a detail: rules and guidance change.

  1. Municipal Freedom of Information and Protection of Privacy Act, R.S.O. 1990, c. M.56, Government of Ontario, e-Laws, Consolidated from July 1, 2026.Read 5 October 2026
  2. R.R.O. 1990, Reg. 823: General (under the Municipal Freedom of Information and Protection of Privacy Act), Government of Ontario, e-Laws, Consolidated from March 13, 2026.Read 5 October 2026
  3. Plan to Protect Ontario Act (Budget Measures), 2026, S.O. 2026, c. 2 (Bill 97), Schedule 11, Government of Ontario, e-Laws, Assented to April 24, 2026.Read 5 October 2026
  4. O. Reg. 52/26: Digital Technology Affecting Individuals Under Age 18, Government of Ontario, e-Laws, In force July 1, 2026.Read 5 October 2026
  5. O. Reg. 51/26: Cyber Security, Government of Ontario, e-Laws, In force July 1, 2026.Read 5 October 2026
  6. Personal Information Protection and Electronic Documents Act, S.C. 2000, c. 5, Government of Canada, Justice Laws Website, Current to September 21, 2026.Read 5 October 2026
  7. The Application of PIPEDA to Municipalities, Universities, Schools, and Hospitals, Office of the Privacy Commissioner of Canada, Updated December 2015.Read 5 October 2026
  8. PIPEDA Case Summary #2006-345: Private school not covered by PIPEDA, Office of the Privacy Commissioner of Canada, July 5, 2006.Read 5 October 2026
  9. Guidelines for processing personal data across borders, Office of the Privacy Commissioner of Canada, January 27, 2009.Read 5 October 2026
  10. Guidelines for obtaining meaningful consent, Office of the Privacy Commissioner of Canada, Modified August 11, 2025.Read 5 October 2026
  11. Principles for responsible, trustworthy and privacy-protective generative AI technologies, Office of the Privacy Commissioner of Canada, December 7, 2023.Read 5 October 2026
  12. Protecting the privacy of children and youth through responsible use of educational technologies in the classroom, Federal, Provincial and Territorial Privacy Commissioners and Ombuds with Responsibility for Privacy Oversight, October 8, 2025.Read 5 October 2026
  13. A Guide to Privacy and Access to Information in Ontario Schools, Information and Privacy Commissioner of Ontario, January 2019.Read 5 October 2026
  14. Privacy in the networked classroom and the use of online educational services, Information and Privacy Commissioner of Ontario, Modified April 26, 2024.Read 5 October 2026
  15. Digital Privacy Charter for Ontario Schools, Information and Privacy Commissioner of Ontario, October 23, 2024.Read 5 October 2026
  16. IPC Guidance: Privacy and Access in Public Sector Contracting with Third Party Service Providers, Information and Privacy Commissioner of Ontario, May 2024.Read 5 October 2026
  17. Principles for the Responsible Use of Artificial Intelligence, Information and Privacy Commissioner of Ontario and Ontario Human Rights Commission, January 21, 2026.Read 5 October 2026
  18. Use of edtech in schools: Children should not have to swap their privacy for an education, Information and Privacy Commissioner of Ontario, November 27, 2025.Read 5 October 2026
  19. 34 CFR Part 99, Family Educational Rights and Privacy, Electronic Code of Federal Regulations, Current as of October 2, 2026.Read 5 October 2026
  20. Protecting Student Privacy While Using Online Educational Services: Requirements and Best Practices, U.S. Department of Education, Privacy Technical Assistance Center, February 2014.Read 5 October 2026
  21. Protecting Student Privacy While Using Online Educational Services: Model Terms of Service, U.S. Department of Education, Privacy Technical Assistance Center, January 2015, revised March 2016.Read 5 October 2026
  22. 16 CFR Part 312, Children’s Online Privacy Protection Rule, Electronic Code of Federal Regulations, Current as of October 2, 2026, as amended April 22, 2025.Read 5 October 2026
  23. Children’s Online Privacy Protection Rule, final rule amendments, 90 FR 16918, Federal Trade Commission, Federal Register, April 22, 2025; effective June 23, 2025.Read 5 October 2026
  24. Complying with COPPA: Frequently Asked Questions, Federal Trade Commission, July 2020, flagged for the April 22, 2025 amendment.Read 5 October 2026
  25. Policy Statement of the Federal Trade Commission on Education Technology and the Children’s Online Privacy Protection Act, Federal Trade Commission, May 19, 2022.Read 5 October 2026
  26. Artificial Intelligence and the Future of Teaching and Learning: Insights and Recommendations, U.S. Department of Education, Office of Educational Technology, May 2023.Read 5 October 2026
  27. Empowering Education Leaders: A Toolkit for Safe, Ethical, and Equitable AI Integration, U.S. Department of Education, Office of Educational Technology, October 2024.Read 5 October 2026
  28. Final Priority and Definitions: Secretary’s Supplemental Priority and Definitions on Advancing Artificial Intelligence in Education, 91 FR 18774, U.S. Department of Education, Federal Register, April 13, 2026.Read 5 October 2026
  29. Terms of Use, OpenAI (vendor terms), Effective January 1, 2026.Read 5 October 2026
  30. What you need to sign in to Gemini Apps, Google, Gemini Apps Help (vendor terms), Undated.Read 5 October 2026
  31. Guide your child’s Gemini Apps experience, Google, Gemini Apps Help (vendor terms), Undated.Read 5 October 2026
  32. Microsoft Copilot Supplemental Terms of Use, Microsoft (vendor terms), Effective August 18, 2026.Read 5 October 2026
  33. Consumer Terms of Service, Anthropic (vendor terms), Effective October 8, 2025.Read 5 October 2026
  34. O. Reg. 191/11: Integrated Accessibility Standards (Accessibility for Ontarians with Disabilities Act, 2005), Government of Ontario, e-Laws, Consolidated from March 30, 2026.Read 5 October 2026
  35. 28 CFR 35.200, Requirements for web and mobile accessibility, Electronic Code of Federal Regulations, Current as of October 2, 2026, as amended April 20, 2026.Read 5 October 2026
  36. Extension of Compliance Dates for Nondiscrimination on the Basis of Disability; Accessibility of Web Information and Services of State and Local Government Entities, 91 FR 20902, U.S. Department of Justice, Federal Register, April 20, 2026.Read 5 October 2026
  37. Fact Sheet: New Rule on the Accessibility of Web Content and Mobile Apps Provided by State and Local Governments, U.S. Department of Justice, Civil Rights Division (ADA.gov), Updated for the April 20, 2026 rule.Read 5 October 2026
  38. Guidance for generative AI in education and research, UNESCO (intergovernmental), 2023.Read 5 October 2026
  39. Guidance on AI and Children 3.0, UNICEF Innocenti (intergovernmental), December 2025.Read 5 October 2026

Questions about this resource.

Anything else, write to support@elevategrade.com.

Does PIPEDA apply to a private school?

It turns on commercial activity. The Office of the Privacy Commissioner of Canada’s general view is that PIPEDA does not apply to the core activities of schools, but it recommends that private educational institutions assume it applies unless a substantially similar provincial law does. In a 2006 finding, it presumed a school’s core educational activities non-commercial unless the school aims to earn a profit for its owners.

Is a free AI tool exempt from review?

No. The US Department of Education recommends that free online services go through the same or a similar approval process as paid ones, including tools accepted by clicking accept. In Ontario, O. Reg. 52/26 counts free as well as paid applications for school boards.

What age can students use ChatGPT, Gemini, Copilot or Claude?

By the consumer terms read on 5 October 2026: ChatGPT at 13, with a parent’s or guardian’s permission under 18; Gemini at 13 with a personal or school account, where an administrator must enable it on a school account; Copilot at 13; Claude at 18. Microsoft says its consumer Copilot terms do not apply to school accounts.

Does the checklist decide whether a tool is safe?

No. It records your answers and counts them by area, and the decision stays with the school. A failed check is a question to take to the vendor, or a reason not to use the tool.

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