Privacy Policy
How we collect, use, and protect your personal information — in plain language.
Last updated: July 2026
TM Financial & Business Advisory (“we”, “us”) is committed to protecting your personal information in accordance with Canadian privacy legislation, including PIPEDA and applicable provincial privacy laws in Alberta, British Columbia, and Ontario.
Information We Collect
When you contact us, book a consultation, or work with us on insurance planning, we may collect personal information including your name, email address, phone number, province of residence, and details you choose to share about your financial situation, health, family, or business.
We collect only the information reasonably required to provide insurance advisory services, prepare quotes and applications with insurers, and communicate with you.
How We Use Your Information
Your information is used to respond to your inquiries, prepare insurance recommendations and applications, coordinate with insurers and — with your consent — your other professional advisors, and to comply with legal and regulatory obligations that apply to licensed insurance brokers.
We do not sell, rent, or trade your personal information to third parties for marketing purposes.
Sharing With Insurers and Advisors
To obtain quotes or place coverage, relevant information is shared with the insurance companies you choose to apply to. Insurers handle your information under their own privacy policies and underwriting rules.
Where a strategy involves your accountant, lawyer, or other advisors, we share information with them only with your knowledge and consent.
Safeguards and Retention
We take reasonable administrative, technical, and physical precautions to protect personal information against loss, theft, and unauthorized access. Client records are retained as long as required to serve you and to meet regulatory record-keeping obligations, after which they are securely destroyed.
Your Choices and Access
You may ask what personal information we hold about you, request corrections, or withdraw consent to further collection and use (subject to legal and contractual restrictions) at any time by contacting us.
You can unsubscribe from any non-essential communications whenever you wish.
Website and Analytics
This website may use privacy-respecting analytics to understand aggregate visitor behaviour (such as page views). This data does not personally identify you.
Contact Us
Questions about this policy or your personal information can be directed to Tanya Michel at tmfinanciallife@gmail.com or (780) 296-5064.
This policy may be updated from time to time; the latest version will always be posted on this page.