Two OpenAI products:

https://openai.com/chatgpt/pricing

https://openai.com/pricing
(scroll down after loading page)

After some more research I came to the conclusion that data sent to ChatGPT
is reused and ingested in the OpenAI product. And the API data is held to a
higher standard in terms of privacy. I have not been able to find the T&C.

Can others clarify?

If you have a $20 ChatGPT account, you will need to give the API account a
few dollars to make the API operate. I think I added $5.

You will need to generate your secret API in your OpenAI profile settings

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