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Trust me bro!
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If you’re a business with a contract with them it should state that they won’t use your data to train their models.
If you’re using the free service then you’re right that it’s safe to assume that your data was already being used.
I always wonder at this and have cautioned my managers repeatedly. Yes, we have a contract, but they have a literal army of lawyers and we have less (one lawyer one retainer for hourly work or a small grouping focused on taxes and employment law). As if our ownership won't bend over backwards to avoid suing a large company like Google, AWS, Microsoft, or Oracle. (Maybe OpenAI and Anthropic are sue-able by a $100 million corp?)
As proof I offer the lawsuits between businesses that have proceeded far enough the general public has heard about them. Not a specific one, just all of them.
You have to trust the contract.
If you use Microsoft 365 or Google Workspace etc then they already have all your data anyway. Most businesses have to trust other companies and the contract at some point.
The only other option is to use Open Source self hosted everything which is beyond most people’s ability.