Copyright & Acceptable Use

1. 1. Scope of This Notice

   This Copyright & Acceptable Use notice describes ownership of FairFiles Hub content, permitted and prohibited conduct on the Service, and how to report infringing material. It supplements the Terms of Use.

   FairFiles Hub is a consumer education and self-help technology platform owned and operated by Credit Score Defenders LLC in New York. It provides consumer education, local evidence-organization tools, and document-preparation assistance. FairFiles Hub is not a law firm and does not provide legal representation. Legal notices may be sent to legal@fairfilehub.com.

2. 2. Copyright in the Service

   The FairFiles Hub Service, including its design, text, templates, articles, and software, is owned or licensed by Credit Score Defenders LLC, the owner and operator of FairFiles Hub, and is protected by copyright and other intellectual-property laws. You may use Service content for your own personal consumer credit and debt education and organization under these Terms.

3. 3. Permitted Use

   • Use the tools for your own personal consumer credit and debt matters.
   • Review, edit, and keep generated drafts for your own records.
   • Print or download policies and your own generated documents.

4. 4. Prohibited Conduct

   • Copying, redistributing, reselling, or offering the Service or its templates to others.
   • Scraping, automated collection, or reverse engineering of the Service.
   • Using the Service to provide services to others or to operate a business.
   • Entering false, fabricated, or misleading information, including in AI prompts or generated documents.
   • Attempting to access another member's records or circumvent access controls.
   • Attempting to introduce malware or content intended to harm the Service or another person.
   • Impersonating FairFiles Hub or misrepresenting affiliation.
   • Removing or altering copyright, trademark, or other attribution notices.

5. 5. Your Content and Limited Processing

   You retain rights in information you deliberately submit to account, support, deletion-request, or AI features. You authorize processing only as needed to provide the requested function, maintain security, or comply with law. The Local Vault, downloaded forms, calculator exports, and completed Letter Builder drafts are not licensed to FairFiles Hub because the active tools do not upload them.

6. 6. Third-Party and Official Materials

   Links to official agencies and external resources are informational. Third-party content remains owned by its respective owners and is governed by their terms.

7. 7. Reporting Infringing Material

   If you believe material on FairFiles Hub infringes your copyright, send a notice to legal@fairfilehub.com with the disputed material, its location, your contact information, and a good-faith statement that use is not authorized. We review and respond to valid notices consistent with applicable law.

8. 8. Enforcement

   FairFiles Hub may remove content, restrict or terminate access, and take technical or legal action for violations, without notice where reasonably necessary to protect the Service or others.

9. 9. Changes to This Notice

   We may update this notice by posting a new version. Material changes are reflected in the change history.

10. 10. Contact

    Copyright notices and acceptable-use questions may be sent to the legal department using the address shown below.

FairFiles Hub provides nationwide U.S. consumer credit and debt education, controlled self-help letter templates, local evidence encryption, financial calculators, complaint worksheets, official-resource links, AI-assisted education, and minimum account controls. It does not analyze uploaded documents, manage a lawsuit, file a dispute or complaint, submit a court document, or act for a user. FairFiles Hub is not a law firm, credit bureau, lender, government agency, or collection agency, does not provide legal representation or professional advice, and does not guarantee any outcome. Non-waivable rights under applicable law remain unaffected.