Terms of Use

Last Updated: [11/1/2025]

Welcome to OwnedByMembers.com (the "Site"). By accessing this website, you agree to these Terms of Use.

Our mission is to explain and advocate for the credit union and cooperative finance model. We want this space to be educational and helpful.

1. Educational Purpose Only (No Financial Advice)

This is the most important section. Please read carefully.

OwnedByMembers.com is an educational resource dedicated to explaining how credit unions and cooperatives work.

  • Not a Financial Advisor: The content on this site (and our associated Twitter feed) is for informational and educational purposes only. It is not financial, legal, or investment advice.

  • No Fiduciary Duty: Using this site does not create a client-relationship or a fiduciary duty between you and the Site.

  • Consult Professionals: Financial decisions—like where to bank or how to manage debt—are personal. Please consult a qualified financial advisor or the staff at your local credit union before making financial decisions.

2. Intellectual Property

We believe in the cooperative spirit of sharing, but we also protect our work.

  • Sharing: You are encouraged to share our articles and links on social media to spread the word about cooperative finance.

  • Ownership: The text, logos, and original content on OwnedByMembers.com are owned by us. You may not copy our content for commercial use without permission.

3. Third-Party Links

We frequently link to external sources, including credit union websites, cooperative associations, and Twitter/X.

  • We do not control these third-party sites.

  • The inclusion of a link does not imply an endorsement of that specific institution's products or services.

4. Limitation of Liability

To the fullest extent permitted by law, OwnedByMembers.com shall not be liable for any damages arising out of or in connection with your use of the website. This includes, without limitation, direct, indirect, or consequential damages. The information is provided "as is" without warranty of any kind.

5. Governing Law

These Terms are governed by the laws of Wyoming, USA.

6. Modifications

We may update these Terms from time to time to reflect the evolution of our site. Continued use of the website implies acceptance of the updated terms.