> No button or link to disable the thing.

The line i initially quoted:

> You may stop using Copilot at any time.

Was incomplete. It continues with what initially appears to be a non sequitur:

> You may stop using Copilot at any time. If you want to close your Microsoft Account, please see the Microsoft Services Agreement.

It may not be a non sequitur, but may well be the only way to "opt out" of Copilot.