Terms of Use

By visiting andresgutierrez.com, you agree to the terms of this agreement. This agreement is

subject to change at any time by Talem International, LLC.


No warranty is made by Talem International, LLC. regarding any information, services or

products provided through or in connection with the service. Talem International, LLC. hereby

expressly disclaims any and all warranties, including without limitation: any warranties as to the

availability, accuracy or content of information, products or services; any warranties of

merchantability or fitness for a particular purpose. Some states/provinces do not allow the

exclusion of implied warranties, so the above exclusion may not apply to you.

Use Restriction

The material on andresgutierrez.com is meant to be shared for informational, non-commercial

use only. Site visitors are allowed to download and distribute banner graphics and promotional

materials for the express purpose of promoting daveramsey.com. Videos appearing on Talem

International, LLC. (Andres Gutierrez’s) YouTube channel may be inserted into private blogs and

websites, but must link directly to the official Talem International, LLC. video on YouTube.

Your Email Address

Talem International, LLC. agrees to never sell or distribute your email address to third parties.

Unsubscribing from any email list does not necessarily unsubscribe you from other email lists

within Talem International, LLC. Users agree to provide Talem International, LLC. with an up-to-

date email address.


This agreement contains the entire agreement between the visitor and Talem International, LLC.

regarding the use of the service, and supercedes all prior written and oral understandings and

writings. The agreement shall be governed pursuant to the laws of the state of Texas.

The member hereby warrants and represents that he or she is in all respects qualified and

competent to enter into this agreement.

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