Is ChatGPT safe to use? Ten straight answers

ChatGPT and apps like it are everywhere, and so are the worries about them. Here are straight answers to the questions people ask most.

1. Is ChatGPT safe to use?

Used sensibly, yes. The risks come from two things: what you type into it, and trusting its answers without checking. Both are easy to manage.

2. Can it see my bank account or my files?

No. It only sees what you type, say or choose to upload to it.

3. What shouldn't I tell it?

Use the postcard rule: never type anything you wouldn't write on a postcard. That means no bank details, passwords, PINs, NHS numbers or your full date of birth.

4. Does it keep what I type?

Conversations can be stored, and some apps may use them to improve their systems unless you switch that off. Look in the app's settings for its data or privacy controls. Many apps let you turn off chat history, or use a temporary chat that is not saved.

5. Can it be wrong?

Yes, and it can sound very sure of itself when it is. For health, money or legal questions, use it to understand the question, then check with your GP, pharmacist, bank or solicitor.

6. Is the app on my phone the real one?

Only download from the official app store on your phone, and check the name of the company that made it: OpenAI for ChatGPT, Google for Gemini, and Microsoft for Copilot. Look-alike apps do exist.

7. Do I have to pay?

No. The free versions are plenty to start with. Paid upgrades add extras that most people don't need at first.

8. Can scammers use AI?

Yes. They can copy voices, make fake videos and write very convincing emails. The best defences are simple: agree a family safe word, hang up and ring back on a number you already have, and remember that your bank will never ask you to move money. Read how AI voice scams work.

9. Is it listening to me all the time?

No. The app only listens when you tap its microphone button. You can also turn off an app's access to the microphone in your phone's settings.

10. Is it suitable for my grandchildren?

These apps have minimum ages. ChatGPT, for example, asks that users are at least 13, and that under-18s have a parent's permission. Check each app's own rules.

Want a hand?

If you would rather have someone show you, at your own kitchen table and at your own pace, that is exactly what I do. Ring 07500 511462 for a free 15-minute chat, or read about AI lessons at home.