Privacy Policy

Information you provide. When you request an insurance quote through our form, we collect information such as your:

• Name, phone number, and email address
• Age or date of birth, gender, and province of residence
• Smoking status and general health information relevant to a quote
• Desired coverage type and amount

Information collected automatically. When you visit this site, we and our advertising partners automatically collect certain technical data via cookies and similar technologies, including your IP address, device and browser type, pages viewed, and how you arrived at our site (for example, from an advertisement).

• To prepare and provide the life insurance quote you requested
• To contact you by phone, email, or SMS about your quote and related insurance products, with your consent
• To connect you with a licensed insurance advisor
• To measure and improve the performance of our website and advertising
• To meet legal, regulatory, and insurance-licensing obligations

By submitting our quote form, you provide express consent to be contacted by TM Financial & Business Advisory by phone, email, and SMS/text message at the contact details you provide, including by automated means, regarding your quote and related insurance products. Consent is not a condition of purchase. You may withdraw your consent at any time — every email we send includes an unsubscribe link, you can reply STOP to any text message, or you can contact us directly using the details below. Message and data rates may apply.

This website uses the Meta Pixel (Facebook/Instagram), a tracking technology provided by Meta Platforms, Inc. The pixel helps us measure the effectiveness of our advertising, understand actions taken on this site (such as viewing a page or submitting a form), and show you relevant ads on Meta platforms.

We may use Meta's Advanced Matching feature: when you submit our form, information such as your email address or phone number is hashed (irreversibly encoded) in your browser before being sent to Meta, where it may be matched against Meta user accounts for ad measurement and remarketing. Meta processes this data under its own privacy policy, available at facebook.com/privacy/policy.

You can control or opt out of interest-based advertising through:

• Your Meta ad preferences: facebook.com/adpreferences
• The Digital Advertising Alliance of Canada opt-out tool: youradchoices.ca
• Blocking or deleting cookies in your browser settings

We do not sell your personal information. We share it only with:

• Insurance carriers and underwriters, to obtain the quotes and coverage you request
• Licensed advisorsworking with TM Financial & Business Advisory who will contact you about your quote
• Service providers that support our website, form processing, communications, and advertising (including Meta Platforms as described above), bound to use your information only for the services they provide to us
• Legal and regulatory authorities where required by law, including the Alberta Insurance Council and equivalent regulators in other provinces

Some service providers may store or process data outside of Canada (for example, in the United States). Where they do, your information is subject to the laws of those jurisdictions.

We use reasonable administrative, technical, and physical safeguards appropriate to the sensitivity of the information — including encrypted transmission (HTTPS) and restricted access. We retain personal information only as long as needed to fulfill the purposes described in this policy or as required by insurance regulations and law, after which it is securely deleted or anonymized.

Under PIPEDA and Alberta PIPA, you have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Withdraw your consent, subject to legal or contractual restrictions
• Ask questions or make a complaint about our privacy practices

To exercise any of these rights, contact us using the details below. If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada or the Office of the Information and Privacy Commissioner of Alberta.

This website and our services are intended for individuals 18 years of age or older. We do not knowingly collect personal information from minors.

This site may link to third-party websites. We are not responsible for their privacy practices and encourage you to review their policies.

We may update this Privacy Policy from time to time. The effective date at the top of this page reflects the latest revision. Material changes will be posted on this page.