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Yes but other services provides you only the maps that’s not the case on osm.
Not if you’re using them commercially as an API. I have used various Google Maps APIs on a number of projects. It’s all databases.
That API doesn’t let you do everything tho, only a number of operations like embed Google Maps on their websites or apps, perform geocoding operations, get directions, and more.
It doesn’t give you direct access to the database!