Privacy Policy

Effective date: October 2026

GavrelGuidance.com (the “Site”) is operated by Chris Gavrel, an independent licensed insurance agent (NPN 19071496), based in Richmond, TX (Houston area). In this Privacy Policy, “Chris Gavrel,” “I,” “we,” and “us” refer to Chris Gavrel, an independent licensed insurance agent. “Gavrel Guidance” is the name of this website and of his approach to planning, not a business entity. This policy explains how we collect, use, and protect information when you visit the Site or contact us. We’ve tried to keep it in plain English.

Information we collect

Information you give us: The Site does not have forms, and our free books and worksheets can be downloaded without giving us any information. If you contact us directly by phone or email, we collect what you choose to share, such as your name, phone number, email address, and your message.
Information collected automatically: Like most websites, the Site and our hosting and analytics providers may collect basic technical information, such as your browser type, device, pages visited, referring page, and approximate location based on IP address.

We do not ask for, and you should not send through the Site, sensitive information such as Social Security numbers, bank account numbers, or medical details.

How we use your information

To respond to your calls, emails, and requests
To contact you about life insurance, final expense, annuities, long-term care, and related insurance products and services you’ve expressed interest in
To return your Plan Enroll call-back request and hold phone conversations with you
To operate, maintain, and improve the Site
To comply with legal and regulatory obligations

Phone calls and text messages (TCPA/SMS)

If you give us your consent (for example, when you request a call through the Plan Enroll call-back request), we may contact you at the phone number you provide, including by calls and text messages that may be made using automated technology or a prerecorded or artificial voice. Consent is not a condition of purchase. Message and data rates may apply, and message frequency varies. You can opt out of texts at any time by replying STOP, and reply HELP for help. You may also revoke consent for calls by telling us during a call, by email, or by phone. We do not share your mobile phone number or text-messaging consent with third parties for their own marketing purposes.

We do not sell your personal information

We do not sell or rent your personal information. We may share information only in these limited situations:

Service providers that help us run the Site and our business. Examples include website hosting, the Plan Enroll call-back request service (operated by Integrity) used when you request a phone call, email, and analytics. They may use your information only to provide services to us.
Insurance companies, if you choose to apply for a product, to the extent needed to process your application.
Legal reasons, if required by law, regulation, subpoena, or to protect rights and safety.

Scheduling

If you request a call through the Plan Enroll call-back request, the details you provide (such as your name, email, phone number, and preferred time) are collected and processed by PlanEnroll, a third-party service operated by Integrity, under its own privacy policy and terms. We use this information only to contact you and prepare for your call.

Cookies and analytics

The Site may use cookies and similar technologies, including analytics tools, to understand how visitors use the Site. You can set your browser to refuse cookies or alert you when cookies are sent; some parts of the Site may not work as well if you do.

Data security

We use reasonable administrative, technical, and physical measures to protect your information. No website or internet transmission is completely secure, so we cannot guarantee absolute security.

How long we keep information

We keep information as long as needed for the purposes described here and to meet legal, regulatory, and record-keeping requirements that apply to licensed insurance agents.

Children

The Site is intended for adults. We do not knowingly collect personal information from children under 13. If you believe a child has sent us information, please contact us and we will delete it.

Your choices and state privacy rights

You may ask us to access, correct, or delete your personal information, or to stop contacting you, by using the contact information below. Depending on where you live, state laws may give you additional rights regarding your personal information. We will respond to requests as required by applicable law.

Links to other websites

The Site may link to other websites, such as government or industry resources. We are not responsible for their content or privacy practices.

Changes to this policy

We may update this Privacy Policy from time to time. The effective date above shows when it was last updated.

Contact us

Chris Gavrel, independent licensed insurance agent (NPN 19071496) · Houston, Texas
Website: GavrelGuidance.com
Phone: 346-258-7080 · Email: chris@gavrelguidance.com