The fungi that cause common skin infections are relatively ubiquitous, so avoiding them is virtually impossible. There are some host factors that can increase the risk of infection Activities that involve sweating and rubbing of skin increase the risk of infection, which explains some of the lay terms for certain fungal infections, such as jock itch and athlete's foot. We would never recommend that someone avoid exercise to avoid the risk of fungal infections. Certain chronic conditions increase the risk of infection, particularly diabetes. If you have diabetes, it is important to maintain optimal control of the diabetes. On the other hand, regular cleaning of the groin and particularly cleaning after exercise, can help to reduce the risk of infection.
However, even people that do everything correctly can still get such infections.
The primary ingredient in this product, chlorhexidine, is mostly effective against bacteria, but it does have some mild activity against fungi. One of the secondary ingredients, climbazole, has better activity against fungi (it is actually chemically related to the clotrimazole that I noted above), but since they do not list it as an active ingredient or mention the percentage, there may not be enough to make a significant difference. None of the ingredients would make it worse. So, it would be fine to use, but the above products would be better.