Ringworm often spreads by direct, skin-to-skin contact with an infected person. Animal to human. You can contract ringworm by touching an animal with ringworm. Ringworm can spread while petting or grooming dogs or cats.

She says her ring worm is at her breasts and privates?

Either...
1) she doesn't take care of her pets and lets the dog fuck her.
2) she doesn't take care of her pets and masturbates after petting them
3) her bf doesn't take care of his pets and got infected by ring worms and then fucks her

I go gym a lot, I also get it too. As long as the skin have contact with any surface that has the bacteria, you'll get it too.

Apply anti fungal cream and it goes away already.

They call it ringworm but it's not exactly "worm". It's just the bacteria only that eats the outer skin.