Terms of Use
The ground rules for using this website — including what our content is, and isn't.
Last updated: July 2026
By using the TM Financial & Business Advisory website, you agree to these terms. If you do not agree, please do not use the site.
Educational Content Only
The content on this website — including pages about insurance products, tax concepts such as the Capital Dividend Account, and estate planning strategies — is provided for general educational purposes only. It is not financial, tax, legal, accounting, or insurance advice, and it does not create an advisor-client relationship.
Insurance and tax outcomes depend on individual circumstances, current legislation, and policy contracts. Always obtain personalized advice from qualified professionals before acting.
Licensing and Jurisdiction
Tanya Michel is a licensed life insurance agent operating in Alberta, British Columbia, and Ontario. Products and services described on this site are available only in jurisdictions where she is licensed, and nothing on this site is an offer to residents of other jurisdictions.
Insurance products are offered through licensed insurers. Policy terms, conditions, exclusions, and definitions are governed by the actual policy contract, which always prevails over descriptions on this website.
No Guarantees
Illustrations, projections, and examples on this site are hypothetical and for education. Dividends, cash values, and non-guaranteed elements of insurance products can and do change. Past performance does not predict future results.
Third-Party Links and Tools
This site may link to external websites or booking tools operated by third parties. We are not responsible for their content, accuracy, or privacy practices.
Intellectual Property
All content on this website, including text, design, and the TM Financial & Business Advisory logo, is owned by us and may not be reproduced without written permission, except for personal, non-commercial reference.
Limitation of Liability
To the maximum extent permitted by law, we are not liable for any loss or damage arising from reliance on the general information on this website. Your sole remedy for dissatisfaction with the site is to stop using it.
Changes and Contact
We may update these terms at any time; continued use of the site constitutes acceptance of the current version. Questions can be directed to tmfinanciallife@gmail.com or (780) 296-5064.