You cannot share, sell, or redistribute D&B's data, use it to build competing databases, or use it in connection with evaluating individuals for credit, employment, or insurance.
This analysis describes what Dun & Bradstreet's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
The prohibition on using D&B data in connection with individual credit, employment, or insurance applications reflects FCRA restrictions on consumer reporting; users who misuse D&B data for these purposes may face both contractual and regulatory liability.
The updated Terms of Use no longer include explicit language describing cookie preferences, consent options (Agree and Proceed, Required Only, Manage Choices), or chat functionality data collection requirements. Previously, the document stated that users could manage cookies or enable chat functionality through specific settings. This removal means users navigating the website will not find these disclosures in the Terms of Use itself, though cookie and chat functionality may continue to operate according to the Cookie Policy, which remains referenced separately.
View change record →These restrictions mean that businesses using D&B data must not apply it to individual-level credit, hiring, or insurance decisions, which aligns with FCRA consumer protection requirements; violations could expose both the user and D&B to regulatory scrutiny.
How other platforms handle this
We may share your personal information with our affiliates, meaning entities that control, are controlled by, or are under common control with Consensys. We also share information with service providers who assist in operating our services, subject to confidentiality obligations.
At Ledger, earning and maintaining our users' trust is a top priority. That's why we are deeply committed not only to protecting your privacy and securing your personal data, but also to being fully transparent about how we handle it.
RedCard. We share information with our financial partners to operate the Target RedCard program.
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"You agree not to reproduce, copy, retransmit, distribute, disseminate, sell, sub-license, publish, broadcast, or circulate the information received through the Service to anyone without the express prior written consent of Dun & Bradstreet. You may not: (a) use or permit the use of the Service to prepare an original database or a comparison to other databases that are sold, rented, published, or furnished in any manner to a third party; (b) use or permit the use of the Service for the purpose of compiling, enhancing, verifying, supplementing, adding to, or deleting from any mailing list, business directory, or other compilation of information that is sold, rented, published, or furnished in any manner to a third party; (c) use or permit the use of the information in connection with any individual credit, employment, or insurance applications.— Excerpt from Dun & Bradstreet's D&B Terms of Use
REGULATORY LANDSCAPE: The prohibition on use in connection with individual credit, employment, or insurance applications directly tracks FCRA permissible purpose requirements, which restrict consumer report use to specific enumerated purposes and require certification from the user. The CFPB and FTC jointly enforce FCRA, and impermissible use of consumer report data can result in civil liability including actual and statutory damages. This clause serves as both a contractual use restriction and an implicit acknowledgment that some D&B data may constitute consumer reports triggering FCRA obligations. GOVERNANCE EXPOSURE: High for enterprise customers in financial services, HR, and insurance sectors. Regulated entities that use D&B data for any purpose adjacent to individual credit, employment, or insurance evaluation should conduct a FCRA permissible purpose analysis to ensure compliance with both the contractual restriction and statutory requirements. The contractual prohibition does not substitute for a full FCRA compliance program. JURISDICTION FLAGS: FCRA applies at the federal level across the US, with additional state-level consumer credit statutes in California, New York, and other states. The EEOC and CFPB have both issued guidance on the use of data-driven tools in employment and credit decisions, which may be relevant to enterprise customers using D&B analytics products. CONTRACT AND VENDOR IMPLICATIONS: Downstream data users who receive D&B data through intermediaries or integrated platforms should ensure that their use cases are reviewed against both the contractual restrictions and applicable FCRA permissible purpose analysis. Vendor agreements that include D&B data should explicitly address permissible use to avoid inadvertent FCRA violations. COMPLIANCE CONSIDERATIONS: Compliance teams should audit internal use cases for D&B data to confirm no use case touches individual credit, employment, or insurance decision-making without a proper FCRA permissible purpose and the applicable certifications, user disclosures, and adverse action notice procedures required by statute.
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The prohibition on using D&B data in connection with individual credit, employment, or insurance applications reflects FCRA restrictions on consumer reporting; users who misuse D&B data for these purposes may face both contractual and regulatory liability.
These restrictions mean that businesses using D&B data must not apply it to individual-level credit, hiring, or insurance decisions, which aligns with FCRA consumer protection requirements; violations could expose both the user and D&B to regulatory scrutiny.
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