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I wrote this answer before the OP added the U.S. tag. Thus this answer doesn't apply any more.

I'll dilate on Dale M's comment that's alluding to the Contracts (Rights of Third Parties) Act 1999. I'll quote England textbooks that present it better than I can.

Richard and Damian Taylor. Contract Law Directions (2019 7 ed). p 82.

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Poole, Shaw-Mellors. Contract Law Concentrate (4 ed 2019). p 82.

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