That’s pretty much the universal definition of bloatware. Here’s straight out of Oxford:
unwanted software included on a new computer or mobile device by the manufacturer.
“users must initially contend with the usual bevy of bloatware (unnecessary toolbars, games of questionable value)”
Notice not 1 word about 3rd party. Look at Windows. Everybody’s #1 target for complaints about bloatware, and every single bit of bloat on Windows was written by MS.
Well, when I bought an HP computer recently, MS didn’t install what I consider to be bloatware, HP did. Computer manufacturers, and phone manufactures, are paid by 3rd parties to allow their software to be pre-installed.
Apple does not do this.