I got ringworm after gardening in my first ever house. No livestock anywhere. I believe ringworm is a general soil bourne fungus? As I understand it (please correct me if i'm wrong), we gave lots of different fungus etc. on our skin at all times that don't do any harm as our skin protects us. If the fungus can gain entry it can then cause physiological symptoms. I'm sure someone who knows about these things can shed more light