Well, OpenAI doesn't seem to have clauses like this. Europeans are allowed to use it for commercial purposes under the ToS. (But check it yourself, I'm not a lawyer).

I reimplemented my startup idea from scratch with Codex a few months ago, just for peace of mind.

Honest question, what peace of mind does this give you? If my idea could be implemented from scratch by one of these agentic harnesses I would be concerned about the viability of it more than anything.