(iii) create derivative works of Our Data or Services or excerpt Our content including articles, blog content, reports, databases, analytics using Our data. (iv) access and use Our Data and Service to develop and distribute a competitive data-related commercial or free product or service. (v) manually gather, scrape, spider, crawl or use other technology or software to access or store Our Data (vi) use Our Data and Service in connection with any individual credit, employment or insurance decisions or to create or contribute to a "Consumer Report" as set forth in the U.S. Fair Credit Reporting Act.