To clarify another point, FADV does not mean "you." FADV is a company. You are signing a contract with FADV. You making an agreement with FADV. You and FADV are "parties to the contract." Experian is another company. It is a "third party." It isn't you and it isn't FADV. FADV is telling you that they, FADV, have a relationship with Experian, and that you are giving them permission to give and get information about you from Experian.

It is the name of a company. By the way, check your spelling of 'does'. It is a tricky word!

This is legal language. Legal language is often hard to understand. "Experian" is the name of a company. It is a well-known credit bureau. It gets information about peoples' financial history, particular whether they have paid their debts, and sells the information to other companies, in this case FADV. "And/or" is often seen in legal language; it includes the meanings of both words. It is shorthand for writing the whole sentence twice, once with "and" and once with "or." Here, we have the expressions "obtain and/or disclose" and "from and/or to." Lawyers like to write language inclusively and cover every possibility, even weird ones. Here is my best effort to state the meaning in plain language. "I give consent for FADV to get information about me from Experian. I give consent for FADV to give ('disclose'). I give consent for FADV to do either or both of these things." A lawyer's mind worries what could happen if they leave out the "and." You might say "Hey! I said you could give information to Experian, and I said you could get information from Experian, but I didn't say you could do both! It's one or the other! If you get information from them, you can't give information from them!"