Effective Date: August 18, 2025
These Terms and Conditions (the "Terms") govern the use of www.tmfinanciallife.com (the "Site"). This Site is owned and operated by TM Financial & Business Advisory (“TM Financial,” “we,” “our,” or “us”).
By accessing this Site or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these Terms.
Our Services
TM Financial, led by Tanya Michel, provides financial planning and advisory services designed to help clients align their money with their life goals. Services may include but are not limited to:
Comprehensive financial life planning
Retirement, estate, and tax planning
Risk management and insurance guidance
Investment strategy and asset allocation advice
Business-owner and entrepreneurial financial strategies
All services are provided in accordance with applicable laws and professional standards.
TM Financial Communication
1. Our communication campaigns may be used to send account notifications, appointment reminders, service confirmations, and educational resources to clients who have opted in through our website (www.tmfinanciallife.com) or by other means. Messages may include important service-related alerts, time-sensitive updates, and occasional resources relevant to financial life planning.
2. You may cancel SMS/text messaging at any time. Simply reply 'STOP.' Once received, we will confirm your unsubscribe status by SMS. After this, you will no longer receive text messages from us. If you would like to rejoin, you may opt in again as you did initially.
3. If you experience issues with our messaging program, reply with the keyword 'HELP' for assistance, or reach out directly by email at [email protected].
4. Please note that carriers are not liable for delayed or undelivered messages.
5. Message and data rates may apply depending on your mobile plan. Message frequency varies based on your engagement with our services. For questions about your text or data plan, please contact your wireless provider.
6. For information about how we handle your personal information, please refer to our Privacy Policy at www.tmfinanciallife.com.
Intellectual Property
All content published on this Site—including text, graphics, logos, images, videos, downloadable files, and other materials—is the property of TM Financial and/or its licensors. It may not be copied, reproduced, or distributed without our prior written consent.
Eligibility & Age Restrictions
You must be at least 18 years old to use this Site or engage our services. By accessing the Site, you confirm that you meet this requirement.
Client Responsibilities
To receive personalized financial planning services, you agree to:
Provide accurate, complete, and up-to-date information about your personal and financial situation.
Promptly inform us of any changes in your circumstances that may affect your financial plan.
Use our recommendations responsibly and understand that financial decisions remain your own.
Limitations & Disclaimers
While we strive to provide the highest level of professional guidance, you acknowledge and agree that:
Financial planning involves assumptions and projections; outcomes cannot be guaranteed.
TM Financial is not responsible for losses or damages arising from market fluctuations, third-party services, or decisions you make based on our advice.
Any tax, legal, or estate planning strategies may require consultation with independent licensed professionals (lawyers, accountants, or tax specialists).
Links to Other Websites
Our Site may contain links to third-party websites or resources. TM Financial is not responsible for the content, policies, or practices of those external sites.
Limitation of Liability
To the fullest extent permitted by law, TM Financial, including its owner, employees, and affiliates, shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of our Site or services.
Indemnity
By using our Site or services, you agree to indemnify and hold harmless TM Financial and its affiliates from any claims, losses, or expenses (including reasonable legal fees) resulting from your use of our services or violation of these Terms.
Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full effect.
Modifications
We may update these Terms from time to time. Updates will be posted on this page with a revised “Effective Date.” Your continued use of the Site after updates indicates your acceptance of the new Terms.
Governing Law & Dispute Resolution
These Terms are governed by the laws of the Province of British Columbia, Canada. Any disputes will be resolved through mediation or arbitration unless otherwise required by law.
Contact Us
If you have any questions about these Terms, please contact us:
📧 [email protected]
🌐 www.tmfinanciallife.com
👤 Tanya Michel, Founder & Financial Life Planner