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.
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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Customer will not, and will not permit any other person (including any End User) to: ... (d) attempt to reverse engineer, decompile, or otherwise attempt to discover the source code or underlying components (e.g., algorithms, weights, or systems) of the Mistral AI Products, including using the Outpu...
By using the Services or creating an account, you represent, warrant and agree that: You are not an insurance company or an employer; and You will not use the Services for any investigative forensic genealogy uses.
All content on this Internet site ("the delta.com website") is owned or controlled by Delta Air Lines and is protected by worldwide copyright laws.
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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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