Privacy Policy

Last Updated: [11.1.2025]

Effective Date: [Insert Date]

At OwnedByMembers.com, we operate with the same philosophy as the cooperatives we write about: transparency, trust, and members first.

This Privacy Policy outlines how we handle information. Our goal is to respect your digital privacy just as a credit union respects your financial privacy.

1. Information We Collect

We believe in data minimalism. We do not collect personal data unless absolutely necessary.

A. Information You Provide

We do not collect personal information directly.

  • There are no sign-up forms, login requirements, or newsletters to subscribe to on this site.

  • We do not process payments or collect financial data.

B. Automated Information (Analytics)

We use privacy-conscious analytics tools to understand how our educational content is reaching the world. We may track:

  • Aggregate Usage: Which articles about cooperative finance are most popular.

  • Technical Data: Browser type, device type (mobile vs. desktop), and general geographic region.

Note: This data is aggregated and anonymized. We use it to improve the site, not to track individual members.

2. Cookies

We may use cookies (small text files stored on your browser) solely for technical site performance and analytics.

  • Your Choice: You are welcome to disable cookies in your browser settings. Because our site is purely informational, it will continue to function normally without them.

3. Third-Party Platforms (Twitter/X)

Our website is a hub for discussion that primarily takes place on Twitter/X.

  • When you click a link to follow us or view a tweet, you are leaving OwnedByMembers.com and entering the X.com platform.

  • We are not responsible for the privacy practices or tracking technologies used by X.com. We encourage you to review their privacy policy.

4. No Sale of Data

Consistent with the cooperative principle of "Member Economic Participation" and ethical conduct:

  • We do not sell, trade, or rent your data to third parties.

  • We do not use your data for advertising retargeting.

5. Contact Us

If you have questions about this policy, please reach out to us via our social media channel: Twitter/X: @OwnedByMembers