Cookie & Tracking Notice

1. 1. Scope of This Notice

   This Cookie & Tracking Notice explains cookies, local storage, session storage, and similar technologies used by FairFiles Hub and by providers that support authentication, hosting, security, and delivery of the Service. 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. What These Technologies Are

   Cookies are small text files stored on a browser or device. Local storage and session storage are browser-based storage mechanisms. Similar technologies may include security tokens, device or session identifiers, and provider-controlled technical logs.

   Not every technical identifier is used for advertising or profiling. Many are necessary to sign users in, maintain security, preserve a requested preference, or operate the website.

3. 3. Categories Used by the Active Service

   Category	Purpose	Examples	Typical duration
   Strictly necessary / provider-essential	Authentication, fraud prevention, security, routing, availability, and core hosting	Authentication session, anti-abuse/security identifiers, infrastructure session data	Provider-controlled and dependent on the live authentication/hosting configuration
   Local functional storage	Remember a local preference or progress in this browser	Accessibility settings, local checklist state, feature preferences	Until cleared by the user, expired by the application, or replaced
   Temporary session storage	Carry short-lived registration or workflow state in the same browser session	Pending signup profile and required policy selections	Generally the browser session or a short application-defined period
   Optional application analytics	Not active in the current application source	No client click-event analytics are intentionally initiated by the active source	Not applicable unless the Service is changed

4. 4. Essential Technologies

   Some cookies or technical storage may be necessary for sign-in, account security, fraud prevention, abuse detection, request routing, or core site operation. Blocking essential technologies can prevent login or other features from functioning.

   FairFiles Hub does not represent that it controls every cookie, token, log, or storage event created by Base44, authentication providers, content-delivery infrastructure, browsers, or other third-party systems.

5. 5. No Advertising Pixels or Targeted Advertising in the Active Source

   The active FairFiles Hub application source does not intentionally install advertising pixels, run client-side targeted-advertising code, or sell or share personal information for cross-context behavioral advertising.

   If FairFiles Hub materially changes these practices, the Privacy Policy and this Notice must be updated and any legally required notice, consent, or opt-out mechanism must be implemented before the new practice is activated.

6. 6. Third-Party and Provider Technologies

   Authentication, hosting, email, AI-processing, security, media, and other infrastructure providers may receive ordinary technical information such as IP address, user agent, device/browser data, request timestamps, and security events as needed to provide their services.

   When you open a third-party destination, that site may set its own cookies or use other tracking technologies. FairFiles Hub does not control the destination’s practices.

7. 7. Browser and Device Controls

   • Most browsers allow you to delete stored cookies and site data and to block some or all cookies.
   • Clearing local or session storage may reset preferences, delete local progress, or interrupt a pending signup or workflow.
   • Blocking essential authentication or security storage may prevent member access or protected features from working.
   • Private-browsing modes and browser extensions may alter or block storage behavior.

8. 8. Global Privacy Control and Universal Opt-Out Signals

   The active FairFiles Hub application does not currently perform sale, sharing for cross-context behavioral advertising, or targeted advertising that would require an application-level opt-out signal to change that behavior.

   If FairFiles Hub later engages in processing for which applicable law requires recognition of Global Privacy Control or another approved universal opt-out mechanism, FairFiles Hub must implement the legally required response before that processing is activated.

9. 9. Do Not Track

   Browsers may send a Do Not Track signal. There is no single nationwide technical standard requiring all websites to respond to that signal in the same way. FairFiles Hub does not use the active application source for targeted advertising, so the signal does not currently change an advertising profile on this Service.

10. 10. Consent and State-Law Requirements

    Where applicable U.S. law requires consent, notice, or an opt-out mechanism for a technology or processing purpose, FairFiles Hub will apply that requirement to the covered activity before using it.

    This statement does not mean every technical cookie or security identifier requires consent. Legal treatment depends on the technology, purpose, jurisdiction, and applicable law.

11. 11. Changes to This Notice

    FairFiles Hub may update this Notice when technologies, providers, laws, or Service practices change. Material changes will be reflected in the version and last-updated date.

12. 12. Contact

    Questions about cookies, browser storage, or tracking technologies may be sent to privacy@fairfilehub.com.

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.