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Terms & Disclaimer

Last updated: 2026-11-09

By accessing deimar.co (the “Main Site”) or deimar.co/blog (the “Blog”), you agree to these Terms. If you do not agree, do not use either site. Where these Terms say “the Blog”, they also cover the Main Site unless the context clearly refers only to the Blog. The Blog is operated by DGD OPCO LLC, a Texas limited liability company (“DGD,” “we,” “us,” or “our”).

“Content” means everything we publish or provide for free: the Main Site, the Blog and its posts, the free tools and their results, PDF and printed reports, the marketing deck, The Briefing newsletter and other emails, social posts, webinars, and replies to general questions. These Terms apply to all Content, however you receive it.

1. What the Content is

The Content is general information and education. It reflects the personal views and experience of the author and DGD at the time of writing, and is an editorial publication, not a regulated advisory service. Examples, case studies, scenarios and figures are illustrative: many are composites or simplified, details are changed to protect confidentiality, and none is a record of one client. Where specific numbers appear, they are sourced and linked, scoped to the scenario described, or qualitative estimates; do not treat them as benchmarks unless cited as such. Laws, tax rules, rates and markets change, so Content may be out of date when you read it, and we do not promise to update it.

2. Not professional advice

The Content is not financial, accounting, tax, legal, investment or other professional advice, and it is not a recommendation to buy, sell or hold any security or to take any specific action. It does not consider your goals, finances or circumstances.

Deimar Gutiérrez writes as a finance executive and operator, working as a Virtual CFO (a fractional finance lead) through DGD. Nothing in the Content claims, or should be read as claiming, that he or DGD is a licensed accountant, attorney, or registered investment adviser.

Examples of decisions you should not make based on Content alone: investment decisions; capital structure changes; tax filings or strategies; entity formation; employment, hiring, or firing decisions; pricing and contractual decisions with material legal or financial impact. Before acting on any topic discussed in the Content, consult a licensed professional you have engaged who knows your situation.

Free tools. The free tools (calculators and scorecards) give simplified estimates from the numbers you enter, using the formulas shown on each tool page. They do not offer, arrange or recommend any financial product, and projections are hypothetical illustrations, not forecasts or guarantees. They are not financial, tax, legal, lending, real-estate or investment advice, and using them does not create a client, advisor, or fiduciary relationship. Some defaults, thresholds, and zones are rules of thumb chosen by the author, not benchmarks or standards, and the page says which. Results and reports may be incomplete, inaccurate or out of date for your situation, and they are not a forecast, valuation or guarantee. Check any decision that matters with a professional you have engaged.

3. No client or fiduciary relationship

Reading, subscribing to, downloading or using any Content, using a free tool, emailing us, replying to the newsletter, commenting, messaging us on social media, sending the contact form, or having an introductory call creates no client, advisory, fiduciary, accountant–client, attorney–client or other professional relationship with DGD or the author, and no duty of care or confidentiality toward you.

4. Services and the Main Site; how to work with us

The Main Site (deimar.co) summarizes consulting services offered by DGD. These descriptions are informational; they are not an offer that you can accept by sending the contact form or booking a call, and they do not describe a fixed scope, price, or outcome.

A professional engagement begins only when you and DGD both sign a written engagement agreement that sets out the scope, fees, deliverables, and each party’s responsibilities. That agreement, not these Terms or the Content, governs the services. Until then, calls, emails, and the free consultation are general discussion: they create no client, advisor, fiduciary, or confidential relationship, and no obligation for either side. To get advice for your situation, contact us and we will scope it under an agreement.

Until an agreement is in place, anything you send us is not confidential and we may be unable to accept your engagement. Please do not send passwords, bank or card details, government identifiers, or confidential business, financial or personal information. If you need a non-disclosure agreement first, say so and we will address it.

Examples of past work, figures, testimonials and results describe individual experiences and specific situations. They are not typical, and they are not a guarantee, promise, or prediction that you will achieve the same or any particular result.

5. No reliance; your decisions

Do not rely on the Content as the basis for any decision. Before you act, verify the facts and get advice from qualified professionals you have engaged (for example a CPA, attorney or registered investment adviser). You agree that it would not be reasonable to rely on the Content as professional advice.

You are solely responsible for your decisions and their results, including any financial loss, and you use the Content at your own risk.

6. Disclaimer of warranties and limitation of liability

THE CONTENT IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT THE LAW ALLOWS, DGD AND DEIMAR GUTIÉRREZ DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ACCURACY, COMPLETENESS, TIMELINESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, AND DO NOT WARRANT THAT THE BLOG WILL BE UNINTERRUPTED, SECURE OR ERROR-FREE.

TO THE FULLEST EXTENT THE LAW ALLOWS, DGD, DEIMAR GUTIÉRREZ AND THEIR MEMBERS, OFFICERS, EMPLOYEES AND CONTRACTORS WILL NOT BE LIABLE TO YOU FOR ANY LOSS OR DAMAGE ARISING FROM OR RELATED TO THE CONTENT OR YOUR USE OF OR RELIANCE ON IT, INCLUDING LOST PROFITS, LOST SAVINGS, BUSINESS INTERRUPTION AND INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR PUNITIVE DAMAGES, WHETHER THE CLAIM IS BASED ON CONTRACT, WARRANTY, TORT, NEGLIGENCE (INCLUDING OUR OWN NEGLIGENCE), NEGLIGENT MISREPRESENTATION, STRICT LIABILITY OR ANY OTHER THEORY, EVEN IF WE WERE TOLD SUCH LOSS WAS POSSIBLE. IF WE ARE FOUND LIABLE ANYWAY, OUR TOTAL LIABILITY FOR ALL CLAIMS RELATED TO THE CONTENT IS LIMITED TO US$100.

THIS SECTION DOES NOT LIMIT LIABILITY THAT CANNOT BE LIMITED BY LAW, INCLUDING LIABILITY FOR FRAUD, GROSS NEGLIGENCE, OR INTENTIONAL OR RECKLESS HARM, OR ANY RIGHT YOU HAVE UNDER CONSUMER-PROTECTION LAW THAT CANNOT BE WAIVED. PAID SERVICES ARE GOVERNED BY THE ENGAGEMENT AGREEMENT.

7. Intellectual property

All content on the Blog — text, illustrations, audio, images, layout, and code — is the property of DGD OPCO LLC unless otherwise noted, and is protected by copyright, trademark, and other intellectual property laws.

You may:

You may not:

Trademark inquiries and licensing requests: contact@deimar.co.

8. Third-party links and tools

Posts may link to third-party websites, products, or services, including products built by DGD or its affiliates (such as QodFlow and Calavai). DGD is not responsible for the content, accuracy, availability, or practices of any third-party website. Links are provided for convenience and do not constitute an endorsement. Ads on Blog posts are served by Google and are not endorsements by DGD.

9. Newsletter

Subscription to the Blog’s newsletter is opt-in, including when you choose to keep a report from a free tool. You may unsubscribe at any time using the link in any newsletter email or by contacting us. We will not share your email with third parties for marketing purposes.

10. Changes to the Blog and to these Terms

We may modify, suspend, or discontinue any part of the Blog at any time without notice. We may update these Terms by posting a new version with a new “Last updated” date. Changes apply from that date and do not apply to a dispute that arose before it.

11. Governing law and venue

These Terms are governed by the laws of the State of Texas, United States, without regard to conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Blog shall be brought exclusively in the state or federal courts located in Travis County, Texas, and you consent to personal jurisdiction and venue there. Nothing here prevents a consumer from relying on mandatory rights in the consumer’s home country.

12. Severability; survival

If any provision of these Terms is held unenforceable, the remaining provisions remain in full force and effect. Sections 2 to 6 and 10 to 12 survive after you stop using the Content. If you sign an engagement agreement, it prevails over these Terms for the services it covers.

13. Contact

Questions about these Terms: contact@deimar.co.