I urge everyone not to use the "Express Settings" and use "Customize"
The last 3 are a joke IMO
Microsoft want to use your name,account picture,advertising ID, your location and sell that info to the highest bidder.
Microsoft wants you to agree to send your browsing history to microsoft..Again to sell for advertising purposes.
One needs to read carefully.
They really have you by the Jatz Crackers.
What I see so far I like although not finished configuring yet.