Terms & Conditions

These Product Terms apply to your Credit Insights Product

Your Order is placed by Customer with Dun & Bradstreet, Inc. ("D&B") pursuant to the Online Master Agreement available at https://www.dnb.com/en-us/utilities/generalterms.html (hereinafter referred to as the “Governing Terms”) and these product terms and supplemental terms (together the “Product Terms”).

The Products purchased under your Order may only be used by Customer in the United States to support its U.S. business.

Customers must have an active Dun & Bradstreet D-U-N-S® Number assigned to their business and have a registered Dun & Bradstreet Account in order to access and use their Credit Insights Product (the “Product” or “Credit Insights”). Customers can access their Product by clicking on their Credit Insights product tile from within their myD&B account dashboard located at my.dnb.com once their Product is associated to their company’s D-U-N-S Number.

The Product is a D-U-N-S Number Mandatory product that provides customers that have a business associated with an active D-U-N-S® Number, with access to view certain information contained within their business’s Dun & Bradstreet credit file, in addition to alerts and other insights and information that vary depending on the Credit Insights product tier for which you have registered.

Supplemental Terms Applicable to Specific Products

The following terms may also apply to the particular Product you have purchased. To the extent a particular Product offering includes one or more of the services listed below, the terms listed as being applicable to each component shall be deemed applicable to the overall Product offering.

Dun & Bradstreet myD&B Account

In order to access and use your Product, you must login to your Dun & Bradstreet Account located at the my.dnb.com website or register for a new Dun & Bradstreet Account if you do not already have one. By registering for a new Dun & Bradstreet Account, or by logging in to your Account dashboard with a temporary username and password or your existing Account credentials, you agree to the Dun & Bradstreet myD&B Terms of Use.

D-U-N-S Number Mandatory Products

Credit Insights is a D-U-N-S Number Mandatory product. D-U-N-S Number Mandatory products provide information specific to the business purchasing the product and therefore require the business that is purchasing the product to have an active D-U-N-S Number associated to such product in order to start receiving access to and being able to use the product. If your business does not have an active D-U-N-S Number at the time of purchase, you must follow the prompted instructions to apply for and successfully complete the D-U-N-S Number application process, which is subject to D&B’s verification process and acceptance, and pursuant to your agreement to the D-U-N-S Number Terms (the “DUNS Process”). D-U-N-S Number creation will occur in up to 30 business days (or up to 8 business days if you are registered for a paid version of the Credit Insights product) after you have successfully completed the DUNS Process. Your company assigned D-U-N-S Number must be associated with your Product before you will be able to access your Product on your myD&B account dashboard. Please note that D&B reserves the right to disapprove issuance of a D-U-N-S Number to any business.

D-U-N-S Manager

D-U-N-S Manager allows a U.S. private company’s verified officers, owners, or directors to do the following for free, subject to D&B’s review, verification, and possible acceptance (collectively the “DUNS Manager Submissions”): (i) submit update requests to their company’s basic business information, (ii) dispute information or payment experiences included in their report that they believe do not apply to their company, and (iii) upload their company’s Income Statement, Balance Sheet and financial statements. All Credit Insights customers will be redirected to login to their existing D-U-N-S Manager account from within their Product for any DUNS Manager Submissions. New D-U-N-S Manager users will be prompted to signup for a D-U-N-S Manager account after completing the standard verification and authentication process. D&B may contact a D&B Registered Company Officer to validate any DUNS Manager Submissions. D&B cannot guarantee that the DUNS Manager Submissions will be accepted or added to the company’s business credit file.

Credit Insights Free

Credit Insights Free allows you to view risk range levels for your business’s PAYDEX®, Failure Score, SER Rating, and Delinquency Score. You may receive email and in-product alerts related to directional changes to these scores and ratings and when your company receives new Inquiries, according to your preferences managed in-product. You can additionally view limited, summarized information related to your business in the Company Operations, Payment History, Financials, and Inquiries features and have the ability to synch your business bank account via the Plaid feature.

Credit Insights Unlock Scores

Credit Insights Free customers have the option to purchase the Unlock Scores upgrade which includes all the features provided through Credit Insights Free and additionally allows you to view and monitor your business’s actual PAYDEX®, Failure Score, Delinquency Score, SER Rating , and Maximum Credit Recommendation and receive email and in-product alerts to such actual score changes.

Credit Insights Basic

Credit Insights Basic allows you to view and monitor six of your business credit scores and ratings in real time: the PAYDEX Score, Delinquency Score, Failure Score, SER Rating, D&B Rating, and Maximum Credit Recommendation and receive in-product and email alerts to such score changes. You can additionally view additional information related to your business in the following features: Company Operations, Payment History, Financials, Inquiries, and Insights on Others Features, and have the ability to synch your business bank account through Plaid.

Company Operations: detailed operations, ownership and identity information including detailed views related to lawsuits, liens, judgments and UCC filings, and ownership information, including details about family tree and corporate hierarchy.

Payment History: in addition to the summary information available through Credit Insights Free, you can see the following detailed information that is available on your company: Trade Payment by industry, according to the amount of credit extended, including the range of credit extended, number of Payment Experiences, the amount of highest credit and % of payments that were paid within terms.

Financials: Can view financial statement comparisons, income statements, balance sheets, and financial ratios based on data available to D&B.

Inquiries: detailed view of Inquiries by industry that includes trends, type of Inquiries, and date of Inquiries.

You can additionally receive in-product and email alerts to: (i) changes to your company’s D&B PAYDEX® Score, Delinquency Score, Failure Score, SER Rating, D&B Rating and Maximum Credit Recommendation; (ii) events affecting your company, including new legal and special events; and (iii) new inquiries related to your business.

Credit Insights Plus

Credit Insights Plus includes all the features available through Credit Insights Basic and additionally allows access to the following features:

Insights on Others: View a side-by-side comparison of your company’s scores and ratings and the scores and ratings of up to five (5) available U.S. companies of your choosing and receive alerts to changes in the selected companies’ scores and ratings.

Extended Data - Provide Documentation: ability to add up to up to twelve (12) submissions approved through the Verification Process (defined below), directly to D&B through your Product (each an “Included Submission” and collectively the “Included Submission Allotment”). Once an Included Submission has been added to your business credit file, it will be deducted from your Included Submission Allotment until such time the Business Document(s) associated with an Included Submission has expired and is therefore no longer included in your business credit file nor able to potentially impact your business credit scores and ratings (“Termed-Out”). If an Included Submission Termed-Out during your Product term, it will be re-added to your Included Submission Allotment.

Extended Data – Provide Documentation

Your Credit Insights subscription may include the Extended Data – Provide Documentation feature which provides you with the ability to upload and submit your business’s financial, payment and business banking statements (collectively the “Business Documents”) directly to D&B through your Product for D&B’s review, verification, and possible inclusion into your business credit file or scores and ratings, which means there is no guarantee that the provided Business Documents will be accepted, positively affect, or will not adversely affect your company’s credit file or its credit scores and ratings (the “Verification Process”). The intent of the Extended Data- Provide Documentation feature is to allow you to provide your Business Documents to D&B directly without needing to contact the businesses to which you have made payments for products or service, or the banks or credit unions with which you have business bank accounts. These Business Documents can potentially be used to impact your business credit file or scores and ratings.

All submitted Business Documents must be in your business name in order to be considered for potential inclusion into your business credit file or scores and ratings. Business Documents that contain legal, confidential, personally identifiable, secure, or sensitive information will not be reviewed and will be immediately rejected. All submitted Business Documents will be reviewed and validated through the Verification Process. Unverified or rejected Business Documents do not count toward your allotted amount. D&B cannot guarantee that the Business Documents will be accepted, positively affect, or will not adversely affect your company's credit file or credit scores and ratings. Cancelling your Credit Insights product may result in the cancellation of any Extended Data submissions that have not completed the Verification Process.

The following are types of Business Documents that can be submitted:

Regular Termed Payment statements dated no later than 12 months from the date of submission: Each regular termed payments submission requires at least 3 consecutive months of regular termed payment (not “retainer” or pre-paid) statements; Accepted regular termed payment statements will be Termed-Out 24 months from the date of the most recent statement that is approved;

Statements must include the following fields:

Name of Account and Address (Who is the bill from)

Name of the Client and Address (business matches D&B Concierge client)

Account Number (must be the same on each statement)

Terms

Invoice Date

Payment Due Date

Payment Amount (optional on the first statement of the agreement)

Balance Carried Forward or Past Due

Financial Statements: Each financial statement submission must include an Income Statement and Balance Sheet for a 12 month consecutive period, both dated no later than 24 months from the date of submission. Accepted financial statements will be Termed-Out 24 months from the date of approval;

Business Bank Account Statements: Each business bank account statement submission must include 3 consecutive months of statements dated no later than 12 months from the date of submission and will be Termed-Out 3 months from the date of approval. Updated banking statements need to be submitted every 3 months in order to remain included in your business credit file and potentially impact your business credit scores and ratings.

Uploading Business Documents outside of those listed above, or in a name other than your business name, can result in a delay in the review process, non-inclusion to your business credit file, and additional or alternate Business Documents may need to be submitted for consideration. D&B has a zero-tolerance policy regarding providing Business Documents that support your business and its operations that are determined to be altered/tampered OR fictitious. Providing Business Documents to D&B that are determined to be either altered/tampered OR fictitious could result in your scores, ratings, and predictors being adversely impacted, indefinitely. 

Extended Data – Provide Documentation – Additional Submission Add-Ons

Customers who have an active D&B Credit Insights product that includes the Extended Data – Provide Documentation feature, have the option to purchase individual Extended Data – Provide Documentation submission add-on(s) (each a “Submission Add-On”). Each Submission Add-On is a one-time purchase that is not added to your Included Submission Allotment. Submission Add-On(s) will not carry over to your next Product term and must be used prior to the end of your current Product term. All Business Documents provided with each Submission Add-On must go through the Verification Process in order to be added to your business credit file and will remain on your business credit file until they are Termed-Out:

Regular Termed Payment statements: Termed-Out 24 months from the date of the most recent statement that is approved;

Financial Statements: Termed-Out 24 months from the date of approval;

Bank Statements: Termed-Out 3 months from the date the bank account statement submissions are approved.

Extended Data – Plaid Banking Integration

Your Credit Insights product includes a banking integration feature located within the Extended Data – Connect My Accounts tab, provided through a third party, Plaid, Inc. (“Plaid”) that You may elect to use. Plaid Integration enables Product users to login and sync their business bank account transaction history. Dun & Bradstreet is not responsible for the content, views, security or privacy policies of third-party sites, including Plaid. Plaid provides technology that enables you to share your company’s financial transaction information with Dun & Bradstreet (“Your Transaction Data”). You also agree that Plaid may process Your Transaction Data in accordance with Plaid's Privacy Policy.

By integrating your business bank account through Plaid you agree to share Your Transaction Data with Dun & Bradstreet, who may use it for analytical purposes and in Dun & Bradstreet business credit scores and ratings. Providing your Transaction Data to Dun & Bradstreet requires you to login to your business bank account through Plaid using your bank account username and password. Dun & Bradstreet will use the Transaction Data in accordance with our Privacy Notice.

Inquiries

“Inquiry” or “Inquiries” are the number of individual request(s) for information, which may include but is not limited to credit information, by a unique external customer(s) on a D&B D-U-N-S® Number in a rolling one-year (365-day) time period. More than one inquiry can be made by each unique customer, which would indicate that some customers have inquired on such D-U-N-S Number multiple times and may be monitoring the associated business. “Unique Customer Inquiries” are the number of unique external customers requesting information, which may include but is not limited to credit information, on a DUNS D&B D-U-N-S® Number in a rolling one year (365- days) time period. “Customer” is defined as a person or business requesting Dun & Bradstreet information on another D&B D-U-N-S Number. These requests could be a free service, one time report purchase, or a subscription-based service. Please note, due to the proprietary nature of these inquiries and inquiry requests, only the industries in which the purchasing customers reside will be provided.

Email Alerts

Your Credit Insights product may provide the option to receive email alert notifications. If you choose to opt-out of receiving such email notifications, then you are opting out of the Services generally. You will not receive a refund, if applicable, if you opt-out, but you may opt back into receiving the applicable notifications anytime during the term of your purchase.

Export as PDF/Generate Report

To the extent the following features are available within your tier of the Credit Insights product, you may have the option to generate information available within the following features as a downloadable PDF report (“CI Report”): Scores and Ratings, Payment History, Company Operations, Inquiries, Insights on Others, Financials, and Extended Data. Where your Product permits the downloading of CI Report(s), such CI Reports are for your internal business use only, subject to the terms of the Product Terms, and may not be reproduced, published, or disclosed to others without the express written consent of D&B. D&B disclaims all liability for any loss or damage arising out of or in any way related to the content of such CI Report(s).

Dark Web Monitoring Powered by Flashpoint

Your Credit Insights subscription may include dark web monitoring and in-product alerts provided by Flashpoint (“Dark Web Monitoring”). Dark Web Monitoring provides a monitoring and in-product alert service associated with your business email address(es) to monitor for suspicious activity on parts of the internet that may not be visible to search engines (often referred to as the “dark web”). To opt-in to the monitoring of your selected business email address(es) and receive alerts, you must turn-on the Dark Web Monitoring option within your Credit Insights product. Once activated, D&B will provide the business email address(es) you’ve added, to Flashpoint. You are not obligated to use Dark Web Monitoring and can choose to opt-in or opt-out of the feature at any time during which this feature is available within your Product.

Dark Web Monitoring is included at no additional cost for the length of your qualified Credit Insights subscription or the end of D&B’s relationship with Flashpoint, whichever occurs first. In the event you cancel your Product subscription with D&B, Dark Web Monitoring will also be cancelled. You acknowledge that if you opt-in to Dark Web Monitoring, Flashpoint will process the business email address(es) you provide, in accordance with the Flashpoint Privacy Policy, to the extent necessary to perform a scan of applicable websites and databases in order to provide you with Dark Web Monitoring.

Dark Web Monitoring is not intended to secure your email or your email credentials, is provided "as is," and neither Dun & Bradstreet nor Flashpoint make any warranty or representation, either express or implied hereunder. No advice or information, whether oral or written, obtained by you from Dun & Bradstreet, Flashpoint, or through or from Dark Web Monitoring will create any warranty of any kind.

Credit Insights Basic and Plus Monthly and Annual Subscription

The initial term of the Order shall be 1 month or one (1) year from the purchase date depending on whether you purchase a monthly or annual subscription respectively. Each period set forth herein is a "Subscription Term". The Order will automatically renew annually each Subscription Term beginning on the Renewal Date specified in the Shopping Cart and your Order Confirmation Email, at the list price in effect at the time of renewal, which may be higher than the price you paid at the time of purchase. If you do not want the Order to automatically renew, you can avoid further charges by calling 1-855-438-0317 or going to my.dnb.com/login and selecting Cancel Renewal from the Profile dropdown prior to the end of the then-current Subscription Term to cancel your subscription renewal.

Unlock Scores Monthly and Annual Subscription

The initial term of the Order shall be one (1) month or one (1) year from the purchase date depending on whether you purchase a monthly or annual subscription respectively. Each period set forth herein is a "Subscription Term". This Order will automatically renew monthly, or annually as applicable, on each Subscription Term beginning on the Renewal Date specified in the Shopping Cart and your Order Confirmation Email, at the list price in effect at the time of renewal, which may be higher than today’s price. If you do not want the Order to automatically renew, you can avoid further charges by calling 1-855-438-0317 or going to my.dnb.com/login and selecting Cancel Renewal from the Profile dropdown prior to the end of the then-current Subscription Term to cancel your subscription renewal.