I've just noticed that Windows 10 has created automatic collections of some of my photos. This question covered it creating albums (maybe just a semantic difference?) based on date/time which is somewhat understandable.
But one collection is called "Happy days" with a subtitle "#smile" - presumably based on facial analysis. Another photo containing someone wearing some protective equipment on their face was tagged "Scuba diving" - a plausible error in AI recognition.
Is it uploading all my photos to Microsoft to do this? I can't see any reference to this online, with the exception of OneDrive folders, which this is not!
How can I disable it?