Do you keep games with gold games?
Any Xbox 360 titles that you redeem via Games with Gold before that time are yours to keep on your Xbox account, regardless of whether you continue your subscription.
How do I claim my Xbox Live games with gold?
Or, go to Games with Gold on Xbox.com to queue your games up for download to your console. You’ll need an Xbox Live Gold membership to claim your games. Xbox One games are yours to play as long as you have an active Gold membership, and Xbox 360 games are yours to keep.
Do you have to pay for Xbox 360 games with gold?
Xbox 360 games are free to keep forever even without gold while the one games only stay while you have gold. It is technically like renting but you can play them as long as you have gold. You keep the 360 games forever, the X1 games you can play as long as you have gold.