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Privacy Policy & Terms of Use

April Gesin – Protection Solutions, LLC
Effective Date: 2/18/2026

Welcome to April Gesin – Protection Solutions, LLC (“Company,” “we,” “our,” or “us”). By accessing our website, submitting your information, or using our services, you agree to the terms outlined below.

1. Nature of Services

April Gesin – Protection Solutions, LLC is an independent insurance brokerage offering life, and related insurance products through licensed insurance carriers.

We do not guarantee policy approval, specific premiums, underwriting decisions, or carrier availability. All coverage decisions are made solely by the issuing insurance carrier and subject to their terms and conditions.

2. Information We Collect

To provide insurance services, we may collect:

Personal Information

• Name, address, phone number, email
• Date of birth
• Social Security number (when required for underwriting)
• Driver’s license number (if applicable)

Financial Information

• Income details
• Banking or payment information

Health Information (when applicable)

• Medical history
• Prescription information
• Physician details

Other health-related disclosures required for underwriting

Website Usage Information

• IP address
• Browser type
• Device information

Cookie and analytics data

3. How We Use Your Information

We use your information to:

• Provide insurance, quotes and policy options
• Submit applications to carriers
• Service existing policies
• Process payments
• Communicate with you regarding coverage
• Comply with legal and regulatory obligations
• Prevent fraud and protect against unauthorized activity

We do not sell your personal information.

4. HIPAA Notice – Protected Health Information (PHI)

When collecting health-related information, we handle your Protected Health Information (PHI) in accordance with the Health Insurance Portability and Accountability Act of 1996 (HIPAA), when applicable.

Your health information may be disclosed:

• To licensed insurance carriers for underwriting and policy administration
• As required by law or regulatory authority
• With your written authorization

We implement reasonable administrative, technical, and physical safeguards to protect your health information. We do not use or disclose PHI for marketing purposes without explicit authorization.

5. Information Sharing

We may share your information with:

• Licensed insurance carriers
• Approved third-party service providers assisting with business operations
• Payment processors
• Regulatory or governmental authorities as required by law

All third parties are required to maintain confidentiality and appropriate data protection safeguards.

6. Communications & Consent (TCPA Compliance)

By submitting your information, you consent to receive communications from April Gesin – Protection Solutions, LLC via:

• Phone calls (including automated dialing systems when permitted)
• Email
• Text messages

Message and data rates may apply. You may opt out of text communications at any time by replying STOP.

Your consent is not a condition of purchasing insurance coverage.

7. User Responsibilities

By using our services, you agree that:

• All information you provide is truthful and complete
• You will not submit false or misleading information
• You will use our services for lawful purposes only

Providing inaccurate information may result in policy denial, cancellation, or rescission by the carrier.

8. Data Security

We maintain reasonable safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, or misuse. However, no electronic transmission or storage system can be guaranteed to be 100% secure.

9. Limitation of Liability

To the fullest extent permitted by law, April Gesin – Protection Solutions, LLC shall not be liable for:

• Carrier underwriting decisions
• Denied applications
• Changes in carrier rates or policy terms
• Technical interruptions of website or communication services

10. Intellectual Property

All website content, branding, text, and materials are the property of April Gesin – Protection Solutions, LLC and may not be copied or reproduced without written permission.

11. Governing Law

These terms shall be governed by the laws of the State in which April Gesin – Protection Solutions, LLC operates.

12. Updates to This Policy

We reserve the right to modify this Privacy Policy & Terms of Use at any time. Updates will be posted with a revised effective date. Continued use of our services constitutes acceptance of any revisions.

13. Contact Information

April Gesin
April Gesin – Protection Solutions, LLC
Phone: (724) 558-8516 or (814) 527-2995
Email: april@aprilgesin.com or aprilgesin@yahoo.com
Address: 430 Juniata St. DuBois, PA 15801