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In Teams at least, it's called transcription, but really it's captioning. It's not recorded unless you also turn on recording.

Can you cut the text out of the caption window before leaving? The one I saw it was appearing in chat (I think?).

Maybe? But you can also point a camera at your screen and record the whole thing...or do it in software with screen/audio capture.

The point is the app isn't recording without telling people just to do captioning.

No app prevents bad actors from recording.