Data Retention & Deletion Notice

1. 1. Scope of This Notice

   This Data Retention & Deletion Notice explains how FairFiles Hub retains and deletes the categories of information described in the Privacy Policy. It supplements, and does not replace, 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. General Retention Approach

   Following verification and processing of an account-deletion request, FairFiles Hub generally schedules eligible user-controlled content for deletion within 60 days. Certain records may be retained longer when reasonably necessary to comply with applicable law, resolve disputes, prevent fraud or abuse, enforce agreements, maintain security, complete requested transactions, honor legal holds, preserve required consent or audit records, or protect the rights and safety of users and others. Hosting, authentication, email, and infrastructure providers may retain residual or security copies under their documented schedules and legal obligations; this application source cannot certify or override those schedules.

   We retain information only as long as reasonably necessary for the purposes described in the Privacy Policy, to comply with legal obligations, to resolve disputes, to enforce agreements, and to protect the rights and safety of users and others.

3. 3. Retention Categories

   The table below distinguishes the 60-day target for eligible account data from records controlled by legal, security, transaction, support, or provider-backup requirements. A fixed period is not promised where the correct period depends on those requirements.

   Category	Basis for retention	Period or controlling rule
   Active Account Records	Retained while the account remains active and as needed to provide requested services.	Account life; eligible data generally scheduled within 60 days after a verified deletion request
   Local Vault and Completed Documents	Stored on user-selected storage and not retained by the active FairFiles Hub case tools.	Controlled and deleted by the user
   Optional Member Follow-Up Records	First name, last name, verified account email, and consent-management fields retained only for separately authorized educational follow-up.	Scheduled for deletion 60 days after consent is recorded; withdrawal closes permission immediately and schedules deletion within 60 days
   Required Consent and Policy-Acceptance Records	Retained only as reasonably necessary to document required policy acceptance and compliance.	No fixed period; legal and evidentiary need controls
   Security and Access Logs	Hosting and authentication providers may retain logs to detect abuse, investigate incidents, and protect accounts.	Provider schedule and documented security need
   Audit Records	Authoritative compliance records are protected from ordinary user alteration.	No fixed period; compliance and legal need controls
   Billing and Transaction Records	Retained only if applicable for accounting, tax, chargeback, fraud-prevention, and legal obligations.	Applicable legal and transaction-record requirements
   Support and Deletion Requests	Retained as reasonably necessary to investigate, respond, verify completion, and protect against abuse.	No fixed period; support, security, and legal need controls
   Legal Holds	Excluded from ordinary deletion only while a valid hold applies.	Until the hold is released
   Provider Residual or Security Copies	May be retained by hosting, authentication, email, or infrastructure providers under their documented practices and legal obligations.	Provider-controlled schedule; requires live configuration and contract verification

4. 4. Requesting Deletion

   You may request deletion of your account and user-controlled content from account settings. After you verify and submit a deletion request, eligible user-controlled content is generally scheduled for deletion within 60 days, subject to the documented exceptions in the general retention approach above.

   Requesting deletion does not affect records we must retain for legal, security, fraud, dispute, audit, legal-hold, or transaction purposes. Account information is retained only as necessary to verify and process the request and to document compliance.

5. 5. Data Export

   Local vaults, downloaded forms, calculator files, and completed letters already remain under the member’s control. For a copy of eligible server-held account information before deletion, contact privacy@fairfilehub.com. Security, fraud-prevention, privileged, internal, or legally restricted records may not be exportable.

6. 6. Backups

   Deletion applies to eligible active records controlled through the application. Hosting, authentication, email, and infrastructure providers may retain residual or security copies under their own documented schedules and legal obligations. This source package cannot verify, shorten, or override those provider cycles; live retention settings and deletion behavior must be confirmed with each responsible provider.

7. 7. Legal Holds

   Records subject to a legal hold are excluded from ordinary deletion until the hold is released by an authorized administrator. Holds are applied only where legally necessary or reasonably required to protect rights, safety, or investigate fraud.

8. 8. Changes to This Notice

   We may update this notice by posting a new version. Material changes to retention periods or deletion timelines are reflected in the change history.

9. 9. Contact

   Deletion requests and questions about retention may be sent to the privacy 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.