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> It does not send your personal files to MS. Stop with the lies, please.

what does this option do then?

https://www.howtogeek.com/wp-content/uploads/2017/08/img_599...

and of course: it's enabled by default

This does not send personal files to MS, no. It sends executables that have been already flagged as a virus through other methods (e.g. heuristics). Also this is part of Defender, not of SmartScreen.

it states that it can send personal files to MS, but it's "likely" that you will get a prompt before

plus the T&Cs let them send whatever they want

Windows now behaves like mid 2000s malware, but with more ads

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