D&B makes no guarantees that any of its data or information is accurate, complete, or up to date, and disclaims all warranties about the quality or fitness of its services.
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
Because D&B's business credit scores and data are used by lenders, suppliers, and partners to make consequential decisions about businesses, a blanket disclaimer of data accuracy has practical significance for businesses whose D&B profile may contain errors.
Interpretive note: Whether this disclaimer is legally effective depends on whether the specific D&B product constitutes a consumer report under FCRA or falls within state credit reporting statutes; applicable law may impose accuracy obligations that override contractual disclaimers.
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 →D&B explicitly states it does not guarantee the accuracy or completeness of its business data, which means businesses or individuals harmed by inaccurate D&B data have limited contractual recourse through these website terms; separate statutory rights, such as those under the Fair Credit Reporting Act if applicable, may provide additional remedies.
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THE SERVICES ARE PROVIDED 'AS IS' AND 'AS AVAILABLE' WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. GRAMMARLY DOES NOT WARRANT THAT THE SERVICES WILL BE UN...
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. REPLIT DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED...
THE SERVICES ARE PROVIDED ON AN 'AS IS' AND 'AS AVAILABLE' BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. PLAID DOES NOT WARRANT THAT THE SERVICES WILL BE ...
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"Dun & Bradstreet does not warrant the accuracy, completeness or timeliness of any of the Services. ALL SERVICES ON THIS DUN & BRADSTREET SITE, OR A LINKED SITE, ARE PROVIDED ON AN "AS IS," "AS AVAILABLE" BASIS. DUN & BRADSTREET DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY WARRANTIES OF ACCURACY, COMPLETENESS, CURRENTNESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUALITY, NON-INFRINGEMENT, AND THOSE ARISING FROM COURSE OF DEALING OR USAGE OF GRADE OR FROM DUN & BRADSTREET'S CONDUCT IN COLLECTING, COMPILING, OR INTERPRETING ANY DATA OR INFORMATION.— Excerpt from Dun & Bradstreet's D&B Terms of Use
REGULATORY LANDSCAPE: The Fair Credit Reporting Act (FCRA), enforced by the FTC and CFPB, imposes accuracy obligations on consumer reporting agencies that cannot be disclaimed by contract; whether D&B's business credit reports fall within FCRA's definition of consumer reports depends on the specific use case, and the CFPB has addressed this in the context of commercial credit reporting. For products that constitute consumer reports under FCRA, this warranty disclaimer may be legally constrained by statutory accuracy and dispute resolution requirements that the terms of use cannot override. State consumer protection statutes may also impose accuracy obligations on data brokers that limit the practical effect of this disclaimer. GOVERNANCE EXPOSURE: Medium. The disclaimer is standard for data service providers but is particularly significant for D&B given its role as a primary source of business credit and risk data; the practical impact depends on the specific product and whether FCRA or other statutory frameworks apply to the data in question. JURISDICTION FLAGS: California's Consumer Credit Reporting Agencies Act and similar state statutes impose accuracy requirements that may limit this disclaimer's enforceability for California-based entities. FCRA coverage analysis is the most material jurisdiction-specific question for US users, as FCRA applies regardless of contractual disclaimers where coverage applies. CONTRACT AND VENDOR IMPLICATIONS: Businesses that rely on D&B data for credit, risk, or compliance decisions should assess whether their product agreements with D&B provide stronger accuracy and dispute mechanisms than these website terms, and whether indemnification provisions in those agreements address data error scenarios. COMPLIANCE CONSIDERATIONS: Compliance teams should assess whether specific D&B products used by their organizations are subject to FCRA or state equivalent accuracy obligations, and if so, whether D&B's dispute and correction processes meet statutory requirements independent of this disclaimer. Data consumers should also evaluate their own downstream liability if decisions based on inaccurate D&B data cause harm to third parties.
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Because D&B's business credit scores and data are used by lenders, suppliers, and partners to make consequential decisions about businesses, a blanket disclaimer of data accuracy has practical significance for businesses whose D&B profile may contain errors.
D&B explicitly states it does not guarantee the accuracy or completeness of its business data, which means businesses or individuals harmed by inaccurate D&B data have limited contractual recourse through these website terms; separate statutory rights, such as those under the Fair Credit Reporting Act if applicable, may provide additional remedies.
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