3D isometric illustration of a terminal window with a glowing invoice and an open padlock, representing GitHub Copilot's new billing and data retention policy
💜 Software · Developer Tools

GitHub Copilot, Your Chats No Longer Expire After 28 Days

A quiet cluster of policy changes now bills every seat upfront and keeps Copilot chat data for the life of the account

📅 October 2026 ⏱ 6 min read
Copilot seats now bill upfront, from Oct 1
Chat data kept for the life of the account
Code review default jumped from Lite to Balanced
Billing
Seats Charged Upfront
100 %
Chat Data
From 28 Days To
∞
Review Effort
Default Tier Jump
1 Tier ↑

GitHub just changed how it bills and stores every Copilot seat, and most engineering teams will not notice until the invoice or a compliance review forces the question. Between late September and October 1, 2026, GitHub rolled out three separate policy shifts to Copilot Business and Enterprise: upfront seat billing, a single merged Copilot Chat experience with indefinite data retention, and a heavier default effort level for automated code review.

The billing change is the most direct. Starting October 1, all Copilot Business and Enterprise seats paid by credit card or PayPal are charged upfront at the start of the next billing cycle, and new seat assignments require payment before a user gets access at all. GitHub says the prices themselves are not changing, only when and how orgs pay for the seats they have already assigned.

The quieter change is the one with more lasting consequences. No earlier than September 28, GitHub merged Copilot Chat on github.com, Copilot Chat on GitHub Mobile, and the Copilot cloud agent into a single experience, enabled by default. Under the new setup, chat data is retained for the life of the account instead of being cleared after 28 days. Admins who wanted to keep the old 28-day window had to manually opt out before the switch; anyone who did nothing is already on the new default. A third change, arriving the same week, moved the default Copilot code review effort level from Lite to Balanced, meaning every automatically requested review now runs heavier by default unless an org explicitly dials it back.

📊 The Changes at a Glance
What Changed

Three Policies, One Stretch

Billing, chat data retention, and code review defaults all shifted for Copilot Business and Enterprise within about five weeks.

Why It Matters

The Bill Comes Due Upfront

Every assigned seat is charged at the start of the billing cycle now, not after usage, changing how finance teams plan Copilot spend.

The Privacy Catch

Chats Don’t Expire Anymore

The unified Copilot experience keeps conversation data for the life of the account instead of clearing it after 28 days.

What’s Next

Check Your Org Settings

Admins who didn’t opt out before September 28 are already running on the new defaults, whether they meant to or not.

What Actually Changed, Policy By Policy
01

Upfront Billing, Explained

Billing

Starting October 1, 2026, existing Copilot Business and Enterprise customers paying by credit card or PayPal are billed for every assigned seat at the start of the next cycle, before usage happens. New seat assignments now require payment before a user can access Copilot at all. Revoking a seat mid-cycle still does not trigger a prorated refund.

💡 What didn’t change. GitHub says per-seat prices are unchanged, and included usage still gets prorated across the month alongside seat cost proration.
02

The Silent Opt-In on Chat Data

Data Retention

Copilot Chat on github.com, Copilot Chat on GitHub Mobile, and the Copilot cloud agent merged into one unified experience no earlier than September 28. It is enabled by default, and chat data now persists for the life of the account rather than being deleted after 28 days. Opting out before the switch was the only way to keep the old retention window.

💡 Admin action. Business and enterprise admins can still review the policy in Copilot settings on github.com, under Copilot cloud agent, and adjust it for their org.
03

Code Review Just Got Heavier by Default

Review Effort

The default review effort level for GitHub Copilot code review moved from Lite to Balanced on September 28, for both new and existing repositories and organizations left on the Default setting. Balanced runs a deeper analysis than Lite, which generally means more AI credits consumed per automatically requested review.

💡 How to keep Lite. Explicitly selecting Lite at the repository or organization level, instead of leaving it on Default, keeps the lighter review effort GitHub used to apply automatically.
04

What Admins Should Check Now

Action Items

Three defaults changed at once, and none of them required an email confirmation to take effect. Reviewing Copilot billing settings, the cloud agent data retention policy, and the code review effort level in org settings is the fastest way to see whether a team is quietly running on new defaults it never explicitly chose.

💡 Where to look. All three settings live under an organization’s Copilot policy pages on github.com, not buried in individual repository settings.

Nobody reads the changelog
until the bill doesn’t match

GitHub Copilot Policy Update · October 2026

⚠️ Before You Assume Nothing Changed For Your Org

1. Doing nothing was a choice too. Orgs that took no action before September 28 are already on the unified Chat experience with indefinite data retention, not the old 28-day window.

2. Cancel and return carries risk. GitHub notes that fully canceling Copilot and re-subscribing later may trigger updated account vetting and billing behavior, not a clean reset.

3. Heavier review defaults cost credits. Balanced-effort reviews generally consume more AI credits than Lite, which can show up as a usage spike teams don’t immediately connect to this change.

✅ The Verdict

GitHub Copilot’s Policy Reset, What Actually Matters

1
Copilot Business and Enterprise seats are now billed upfront, starting October 1
2
Copilot Chat and the cloud agent merged into one experience, enabled by default
3
Chat data is now kept for the life of the account, not cleared after 28 days
4
Code review’s default effort level moved from Lite to Balanced, raising typical credit use
5
Orgs that didn’t actively opt out before September 28 are already running on all three new defaults
🔗 Read GitHub’s full Copilot policy and billing changelog for the complete rollout details.
💬 Frequently Asked Questions
Q. Did GitHub Copilot’s prices go up?
No. GitHub says per-seat prices for Copilot Business and Enterprise are not changing. What changed is that seats are now billed upfront at the start of the billing cycle instead of afterward.
Q. Is my Copilot chat data being kept longer now?
Yes, if your org didn’t opt out before September 28. Under the unified Copilot Chat experience, chat data is retained for the life of the account instead of being cleared after 28 days.
Q. Can I still keep the old 28-day chat retention window?
GitHub’s changelog frames opting out before the September 28 switch as the way to avoid the unified experience; after that, admins should review their current Copilot cloud agent policy settings on github.com to see what applies to their org now.
Q. Why does Copilot code review feel slower or use more credits?
The default review effort level moved from Lite to Balanced on September 28 for orgs and repos left on Default, which generally means deeper analysis and higher AI credit use per automated review.
Editor’s Note. This article draws on GitHub’s official Copilot policy and billing changelog (August 28, 2026) covering changes effective September 28 through October 1, 2026.

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