Can I enter client data into ChatGPT?

For personal client data you usually need a data processing agreement. OpenAI offers a Data Processing Addendum for its Business, Enterprise and API plans. On personal plans (Free, Plus, Pro), chats can be used for training by default; you can switch this off. Check your use with your data protection officer.

What is the difference between sabiaOS and ChatGPT?

ChatGPT is a general AI assistant that works with whatever content you give it. sabiaOS is a platform for fee-only advice in which the AI assistant works directly with the client file, documents, financial plan and account data. After your approval, results land where you need them – no copying between tools.

Does sabiaOS replace ChatGPT?

Not for every task. For general research, writing or presentations without client data, ChatGPT is very well suited. sabiaOS replaces ChatGPT wherever you work with client data – reading documents, requesting data and preparing financial plans.

Which AI model does sabiaOS use?

The AI assistant currently uses models from the Gemini family via Google Cloud Vertex AI with European endpoints. Using inputs to train the models is contractually excluded. Application data is stored on German servers.

Comparison

sabiaOS vs. ChatGPT

ChatGPT is the best-known AI assistant, and many advisors already use it every day – for writing, summaries and research. sabiaOS is a platform for independent financial advice with a built-in AI assistant. The difference lies less in the model than in where the AI works and what happens to client data.

Focus

sabiaOS: Platform for fee-only advice with a built-in AI assistant
ChatGPT: General-purpose AI assistant for writing, analysis, research and automation

What the AI knows

sabiaOS: Works directly in the client file, with the client's data and documents
ChatGPT: Works with what you upload or share through connectors

Reading documents

sabiaOS: Reads pension statements, insurance policies, portfolio statements and more, and proposes the data for the client file
ChatGPT: Analyses uploaded files; results go into your CRM via connectors or by hand

Automation

sabiaOS: Updates client data, tasks, appointments and forms – every change after your approval
ChatGPT: Agents for freely defined tasks across many apps

Financial planning and account data

sabiaOS: Built-in financial planning, account and portfolio data via PSD2
ChatGPT: No financial planning for clients, no account connection for German clients

Training on your data

sabiaOS: Excluded – client data is never used to train AI models
ChatGPT: Business and Enterprise not used for training by default; Free, Plus and Pro used by default, can be switched off

Data location

sabiaOS: Data on German servers, AI models via European endpoints
ChatGPT: EU data residency for Enterprise, rolling out for Business; no region choice on personal plans

Data processing agreement (GDPR)

sabiaOS: Art. 28 GDPR data processing agreement included
ChatGPT: Data Processing Addendum for Business, Enterprise and API

Range of use

sabiaOS: Focused on day-to-day advisory work
ChatGPT: Very broad – research, writing, spreadsheets, presentations, code

Pricing model

sabiaOS: Modular, €100 to €450 per month for the whole platform
ChatGPT: Free entry tier, Business and Enterprise plans per user per month

Feature	sabiaOS	ChatGPT
Focus	Platform for fee-only advice with a built-in AI assistant	General-purpose AI assistant for writing, analysis, research and automation
What the AI knows	Works directly in the client file, with the client's data and documents	Works with what you upload or share through connectors
Reading documents	Reads pension statements, insurance policies, portfolio statements and more, and proposes the data for the client file	Analyses uploaded files; results go into your CRM via connectors or by hand
Automation	Updates client data, tasks, appointments and forms – every change after your approval	Agents for freely defined tasks across many apps
Financial planning and account data	Built-in financial planning, account and portfolio data via PSD2	No financial planning for clients, no account connection for German clients
Training on your data	Excluded – client data is never used to train AI models	Business and Enterprise not used for training by default; Free, Plus and Pro used by default, can be switched off
Data location	Data on German servers, AI models via European endpoints	EU data residency for Enterprise, rolling out for Business; no region choice on personal plans
Data processing agreement (GDPR)	Art. 28 GDPR data processing agreement included	Data Processing Addendum for Business, Enterprise and API
Range of use	Focused on day-to-day advisory work	Very broad – research, writing, spreadsheets, presentations, code
Pricing model	Modular, €100 to €450 per month for the whole platform	Free entry tier, Business and Enterprise plans per user per month

Verdict

ChatGPT is an excellent general-purpose assistant. For research, ideas and writing without client data, it is often the fastest choice. Once client data is involved, more than the model matters – where the data lives, who may use it and whether results end up in the client file. sabiaOS brings the AI to where your clients' data already is. Many firms use both – ChatGPT for general tasks, sabiaOS for client work.

What matters in this comparison

The question is rarely "which model is smarter?". Modern AI models are all very capable. Three other points matter more in your daily work.

Where does the AI work? A general assistant only knows what you give it. You have to check every answer, copy it and file it in the right place. In sabiaOS, the AI assistant works directly in the client file – with all of the client's data.

What happens to the data? Client data deserves special protection. Look at the data processing agreement, data location and exclusion from training. With ChatGPT, these depend heavily on the plan you choose.

Who is responsible? Neither ChatGPT nor sabiaOS replaces your advice. The AI prepares, you decide.

As of October 2026. Information about ChatGPT is based on publicly available information from OpenAI. Features, plans and terms may change.

Frequently asked questions

Can I enter client data into ChatGPT?: For personal client data you usually need a data processing agreement. OpenAI offers a Data Processing Addendum for its Business, Enterprise and API plans. On personal plans (Free, Plus, Pro), chats can be used for training by default; you can switch this off. Check your use with your data protection officer.
What is the difference between sabiaOS and ChatGPT?: ChatGPT is a general AI assistant that works with whatever content you give it. sabiaOS is a platform for fee-only advice in which the AI assistant works directly with the client file, documents, financial plan and account data. After your approval, results land where you need them – no copying between tools.
Does sabiaOS replace ChatGPT?: Not for every task. For general research, writing or presentations without client data, ChatGPT is very well suited. sabiaOS replaces ChatGPT wherever you work with client data – reading documents, requesting data and preparing financial plans.
Which AI model does sabiaOS use?: The AI assistant currently uses models from the Gemini family via Google Cloud Vertex AI with European endpoints. Using inputs to train the models is contractually excluded. Application data is stored on German servers.