Communications & Consent Notice

1. 1. Scope of This Notice

   This Communications & Consent Notice explains how FairFiles Hub communicates with members and visitors and how you can control those communications. It supplements the Privacy Policy.

   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. Categories of Communications

   Category	Examples	Consent
   Authentication and account	Verification and password-reset messages provided through the configured authentication service	Necessary when you request or use an account
   Requested actions	Responses or confirmations associated with deletion, security, privacy, accessibility, or support requests	Sent to address the request you initiated
   Legal and policy	A material policy notice if electronic notice is required and a delivery channel is configured	As permitted or required by law and the Terms
   Optional educational follow-up	Educational information and follow-up email from FairFiles Hub or its disclosed owner, Credit Score Defenders LLC	Sent only after separate optional consent; consent is not required to create or use the free account

3. 3. How We Reach You

   • In-app notices and banners within the Service.
   • Email to the address on your account.
   • Email sent by the configured authentication provider or by staff responding to a request you initiated.
   • The active source does not send evidence-log, vault, letter, calculator, marketing-text, or general newsletter messages. Optional educational follow-up is email-only.

4. 4. Consent for Optional Communications

   The registration page offers a separate, unchecked optional consent for educational follow-up email. The exact consent text, version, verified account identity, timestamp, status, and scheduled deletion date are recorded only when the member chooses it. Declining does not prevent account creation or use of free tools.

5. 5. How to Opt Out

   • A member may withdraw optional educational follow-up permission in Account and Privacy settings at any time.
   • A member may also contact members@fairfilehub.com or privacy@fairfilehub.com to request suppression or assistance.
   • Necessary authentication, security, and legally required notices may still be sent when applicable to an account or request.

6. 6. Global Privacy Control

   The active application source does not initiate optional click analytics, targeted advertising, or a sale/sharing workflow and does not include a dedicated Global Privacy Control handler. Send a privacy request to privacy@fairfilehub.com if you want to exercise a right that may apply. Live provider configuration requires separate verification.

7. 7. No Unsolicited Commercial Messages

   Optional educational follow-up email may be sent only while the member has an active recorded permission. Messages must identify the sender, accurately describe their purpose, provide a working unsubscribe method, and honor suppression requests. Consent does not authorize telephone calls or text messages.

8. 8. Changes to This Notice

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

9. 9. Contact

   Questions about communications or to opt out may be sent to the members 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.