Terms of Use
GavrelGuidance.com (the “Site”) is operated by Chris Gavrel, an independent licensed insurance agent (NPN 19071496), based in Richmond, TX (Houston area). In these Terms, “Chris Gavrel,” “we,” and “us” refer to Chris Gavrel. “Gavrel Guidance” is the name of this website and of Chris Gavrel’s approach to planning; it is not a business, agency, or separate legal entity. By using the Site, you agree to these Terms of Use. If you do not agree, please do not use the Site.
Educational information only
Articles, books, worksheets, and other content on the Site are for general educational purposes only. They are not legal, tax, investment, or financial advice, and they are not an offer to sell any specific insurance product. Your situation is unique; please consult a qualified attorney, tax professional, or financial professional about your specific circumstances.
No guarantees
We work to keep information accurate and current, but we do not guarantee that content is complete, accurate, or up to date. Examples on the Site are hypothetical and for illustration only. Any guarantees of an insurance or annuity product are provided by the issuing insurance company, based on its financial strength and claims-paying ability, and only as described in the policy or contract.
Licensing
Chris Gavrel is an independent licensed insurance agent, NPN 19071496, based in Richmond, TX (Houston area). He holds a Texas resident license for life and health, and nonresident licenses for life and health in AL, AZ, FL, GA, IA, IN, KS, MD, MI, MN, NC, OH, OK, OR, PA, UT, VA; for life only in WA; and for health only in KY. Insurance products are offered only where licensed.
Product availability
Insurance and annuity products, features, and pricing vary by state, insurance company, age, health, and other factors, and are subject to underwriting and approval by the issuing company. Not all products are available in all states. Annuities are not bank deposits and are not FDIC insured.
Not affiliated with the government
This Site is privately operated by Chris Gavrel. Chris Gavrel is not affiliated with or endorsed by the U.S. government or the federal Medicare program.
Communications
When you contact us or request a call, you agree that the information you provide is accurate and that it belongs to you. Our handling of your information, including calls and text messages, is described in our Privacy Policy.
Books, worksheets, and content
The Site, including its text, design, graphics, books, worksheets, and other downloadable materials, is owned by Chris Gavrel and protected by copyright and other laws. You are welcome to download, print, and use our free books and worksheets for your own personal and family use. You may not sell, republish, or distribute them commercially, or remove copyright notices, without our written permission.
Content
Content on this site is educational and was developed by Chris Gavrel, with the help of digital tools for drafting and design.
External links
The Site may link to third-party websites for your convenience. We do not control and are not responsible for their content, accuracy, or practices.
Limitation of liability
To the fullest extent permitted by law, Chris Gavrel will not be liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, the Site or its content. The Site is provided “as is” and “as available,” without warranties of any kind.
Governing law
These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law rules.
Changes
We may update these Terms from time to time. The effective date above shows when they were 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