Terms & Conditions Policy

As a user of the Dun & Bradstreet and/or Hoover's websites, you agree to be bound by these Terms & Conditions.

1. D&B and/or Hoover's data and/or reports (the "D&B Products") are licensed to you for your internal use only. You may use them solely as one factor in your credit, insurance, marketing or other business decisions, and you will not use them to determine an individual's eligibility for credit or insurance to be used primarily for personal, family, or household purposes or to determine an individual's eligibility for employment.

2. You shall not reproduce, reveal, or make available the D&B Products in whole or part to anyone else unless required by law. You acknowledge that the D&B Products are subject to the copyright and other proprietary rights of D&B and you will not commit or permit any act or omission that would impair such rights.

3. D&B AND ITS AFFILIATES, THIRD PARTY SUPPLIERS and MARKETING PARTNERS (INCLUDING ITS LICENSORS AND RECEIVABLE MANAGEMENT SERVICES AND REFERRED TO HEREIN AS D&B’S THIRD PARTY SUPPLIERS) DO NOT GUARANTEE OR WARRANT THE PRODUCTS OR THE SYSTEM IN ANY WAY. NEITHER D&B NOR ITS THIRD PARTY SUPPLIERS SHALL BE LIABLE TO YOU FOR ANY LOSS OR INJURY ARISING OUT OF OR CAUSED, IN WHOLE OR IN PART, BY D&B'S AND/OR ITS THIRD PARTY SUPPLIERS’ NEGLIGENT OR OTHER ACTS OR OMISSIONS IN PREPARING OR DELIVERING THE PRODUCTS OR SERVICES OR IN DOING ANYTHING RELATED THERETO. D&B AND ITS THIRD PARTY SUPPLIERS WILL NOT BE LIABLE FOR CONSEQUENTIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

4. IF, NOTWITHSTANDING THE ABOVE, D&B AND/OR ITS THIRD PARTY SUPPLIERS ARE HELD TO BE LIABLE THE AMOUNT OF SUCH LIABILITY SHALL NOT EXCEED $500.

5. If you have purchased a DUNS Listed or DUNS Registered products (a "DUNS Seal") you acknowledge and agree that D&B will perform daily validations on your business file, and that D&B may disable and/or discontinue the availability of your DUNS Seal if it determines, in accordance with its own internal processes and standards, that the subject business is out of business, presents a risk of potential fraudulent activity or has filed for Chapter 7 bankruptcy. In the event of fraud risk or Chapter 7 bankruptcy D&B will disable and/or discontinue the availability of the applicable DUNS Seal immediately and notify you at the email address you provided upon product purchase. If D&B determines your business is out of business, D&B will notify you at the email address you provided upon product purchase and give you an opportunity to verify that your business is still active. If you are unable to provide such verification within the time frame set forth in such notice, then D&B will disable and/or discontinue the availability of the applicable DUNS Seal. If D&B disables and/or discontinues the availability of your DUNS Seal, it will discontinue billing you for the DUNS Seal starting with the next monthly billing cycle after the DUNS Seal is disabled or discontinued.

6. You represent and warrant that the information you have submitted to D&B in connection with your application for a DUNS Seal or otherwise is true and correct, that you have the right to possess and use all such data, and that you will not use the DUNS Seal or any other D&B product or service in connection with any unfair or deceptive practices.

7. With respect to any information you submit in connection with your DUNS Seal or otherwise, you, not D&B, have sole responsibility for the accuracy, quality, completeness, appropriateness, and intellectual property ownership of, as well as any data protection obligations regarding, all such information. By submitting any information to us, you represent and warrant that such submission is accurate to your best knowledge, not confidential, and not in violation of any contractual restrictions or other third party rights. In addition, D&B is not responsible or liable for the deletion, correction, destruction, damage, loss or failure to store any of the information you submit. You hereby grant a non-exclusive, irrevocable, worldwide, perpetual, unlimited, assignable, sublicenseable, fully paid up and royalty-free right to us to copy, prepare derivative works of, improve, distribute, publish, remove, retain, add, and use and commercialize, in any way now known or in the future discovered, anything that you submit to us, without any further consent, notice and/or compensation to you or any third parties.

8. Receivable Management Services ("RMS") Contingent Collection and Forwarding Service services for your commercial accounts are available through D&B's Small Business Solutions web site. Such services are provided by an independent company, which is not a part of The Dun & Bradstreet Corporation. You agree that any claims placed with RMS are valid claims and all information provided is accurate. RMS non-contingent services are available only on commercial debts at the charges indicated. Forwarding service to attorneys is not provided. You authorize RMS to endorse for deposit and collection, checks received as payments on debts you placed for collection and to deduct RMS's charges from these checks. You will be charged for accounts withdrawn or settled directly based upon the service the accounts are in at the time RMS receives notice from the debtor or otherwise learns of such event. RMS will invoice you for any such fees for which you settle directly with a debtor or withdraw the claim, and you agree to pay RMS for such fees. You agree to reimburse RMS for payments made to you by RMS on any debt placed for collection that subsequently is claimed to be a preferential payment under bankruptcy or insolvency laws.

9. Each Small Business Solutions membership plan provides free and/or discounted services, many of which provide twelve months of service coverage. Customers who cancel their Business Advantage or Risk Advisor subscription service within the first ninety days will be charged the full retail price for DNBi SelfMonitor products ordered. The full annual coverage of these products will still be provided.

10. You agree to comply with applicable state, local, federal or foreign laws or regulations, including laws and regulations regarding telemarketing / email / fax marketing, customer solicitation, and privacy regarding the products and the collection, processing or transfer of information or software.

11. This agreement and performance hereunder shall be governed by and construed in accordance with the laws of the State of New Jersey, U.S.A., and any action, suit or proceeding instituted hereunder shall be maintained in the courts of the State of New Jersey, U.S.A., or the federal courts located in the State of New Jersey, U.S.A., which courts shall have exclusive jurisdiction for such purposes. You agree that D&B’s Third Party Suppliers are intended beneficiaries of Sections 3, 4 and 5 (with respect to RMS only) of these Terms & Conditions.

12. D&B Small Business Solutions Refund & Cancellation policy for online purchases can be found at http://smallbusiness.dnb.com/12278475-1.html, which provides the basis for responding to refund and cancellation requests.

13. You acknowledge that the products and services provided through this website are designed for the needs of small businesses and are not intended to be used by larger organizations as a substitute for traditional risk management and marketing services. This condition does not apply to companies coming to this site to retrieve already ordered D&B Self-Awareness products (e.g., SelfMonitor, ActivityScope, BusinesScope, etc.).

14. These Terms and Conditions and any associated service, pricing, return or cancellation policy may be amended by D&B from time to time. Any amendment is effective upon either a posting of the latest version on the applicable dnb.com web page, or upon notice by electronic mail or US mail. Notwithstanding any opt-in or opt-out preferences you may have expressed, each of D&B and/or Hoover's reserve the right to notify you by email of changes to these Terms and Conditions. Your continued use of the D&B Products following notice of any amendment to these Terms and Conditions shall be conclusively deemed an acceptance of such amendment.

15. Introductory free trials of DNBi SelfMonitor products will be offered for 30 days or 90 days for qualifying customers opting for a trial in conjunction with their license of D&B's CreditBuilder Plus, CreditBuilder Premium, ScoreBuilder or ScoreBuilder Plus product. At the expiration of the trial period and for each subsequent annual renewal, the applicable full annual license fee for DNBi SelfMonitor will be automatically charged to your credit card, unless you have called D&B customer service to cancel prior to the expiration date of the trial or the then current annual term, and you authorize D&B and/or its billing partner to use the contact and billing information you provided to charge such subscription.

Terms of Use Policy

All pages copyright 2004 D&B. All rights reserved.

These Terms of Use govern your access and use of this D&B web site and its related sites (collectively, the "D&B" Site). Please read these Terms of Use carefully before using the D&B Site. By using the D&B Site, you agree to these Terms of Use. If you do not agree to these Terms of Use, you may not use the D&B Site.

For purposes of this D&B Site, "D&B" means The Dun & Bradstreet Corporation, its subsidiaries, affiliates, divisions, contractors and all of its and their data sources and suppliers. These Terms of Use are in addition to the specific terms and conditions that apply to the products or services offered by D&B.

D&B does not warrant the accuracy, completeness or timeliness of any of the data and/or programs ("Information") available at this D&B Site. The Information is provided as is without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title or non-infringement.

In no event will D&B or its affiliates be liable to any party for any direct, indirect, special, consequential or other damages for any use of or reliance upon the Information found at this Web Site, or on any other linked web site, including, without limitation, lost profits, business interruption, loss of programs or other data, even if D&B is expressly advised of the possibility of such damages.

You will be responsible for the content of any material you enter on the D&B Site. D&B has no responsibility for the content of any messages or information posted by users, or for the content of information of third parties on the Internet, even if accessed through the D&B Site. However, D&B retains the right, which it may or may not exercise in its sole discretion, to review, edit or delete any material that D&B deems to be illegal, offensive or otherwise inappropriate.

You may be able, through hypertext or other computer links, to gain access to other sites on the Internet that are not part of the D&B Site. D&B makes no representations, warranties or endorsements with respect to any web site that may be accessed from a D&B Site. When you access a non-D&B site, please understand that D&B has no control over the content or information at that site. It is your responsibility to protect your system from such items as viruses, worms, Trojan horses and other items of a destructive nature.

D&B, the D&B logo and the D&B products referenced in a D&B Site are either trademarks, service marks, registered trademarks, copyrights or other intellectual property of D&B or its affiliates ("D&B IP"). Other products and company names mentioned in a D&B Site may be the intellectual property of their respective owners. You may not use any D&B IP without the consent of D&B. (Information about D&B's Web Logo Program can be obtained at (http://www.dnb.com/us/weblogo/.) You may not use, frame or utilize framing techniques to enclose any D&B IP, including the images found at this D&B Site, the content of any text or the layout/design of any page or form contained on a page without D&B's consent. Except as noted above, you are not conveyed any right or license by implication, estoppel, or otherwise in or under any D&B IP or the intellectual property of any third party.

D&B has the right to amend these Terms of Use at any time and without notice to you. Such amendments shall be effective immediately upon posting. You agree to review the D&B Site periodically to be aware of any such amendments. Your continued use of a D&B Site after such amendments have been made shall constitute acceptance of the amendments.

No part of the D&B Site may be reproduced, modified, or distributed in any form or manner without the prior written permission of D&B; provided no such permission is necessary in connection with the fair use of excerpts of freely available (i.e., available to any visitor to the D&B Site without any requirement of registration or payment of fees) factual information on the D&B Site regarding descriptions of D&B and its products and services.

You may not robotically or otherwise automatically harvest information from a D&B Site.

You may access D&B's Privacy Policy from the D&B Site.

Browser Policy Statement

We at D&B, recognize the varied operating systems and Web browsers that our customers are using to access our site. While we continue to enhance our site to ensure the best possible customer experience, we also recognize the challenge of developing applications that will work well with all types of browsers and their associated versions.

We recommend using Microsoft Internet Explorer v6.0 and 7.0, Firefox 2.x and 3.x.

Additionally, our site is best viewed with a screen resolution set to at least 1024x768.

If further assistance is required, Small Business Solutions Customer Support Team can be reached via email at sbsSupport@dnb.com or by calling toll-free at (800) 333-0505, Monday through Friday, 8:00 AM to 6:00 PM Local Time.