Terms and Conditions of Use

1. Introduction and agreement

Welcome to the website of Sunlit Path Retirement Partners. By accessing or using sunlitpath.com.au (the “Website”), you agree to be bound by these Terms and Conditions and our licensee’s Privacy Policy (Spark Advisors Australia). If you do not agree to these terms, please do not use this Website.

4. Use of artificial intelligence (AI)

In the interest of transparency and digital ethics:

• We may utilise AI and automated tools to assist in data analysis, research, or content drafting.
• Human Oversight: All financial strategies, technical articles, and advice-related content are reviewed, fact-checked, and approved by a qualified human adviser (Simon Pederson) before publication to help keep it accurate and compliant with Australian law.
• We do not use fully automated robo-advice systems to provide personal recommendations via this Website.

5. Accuracy and currency of information

While our content was last reviewed in September 2026, financial legislation and tax rates change frequently.

• We do not warrant the accuracy, adequacy, or completeness of the information.
• Past performance of any fund or stock mentioned is not a reliable indicator of future performance.
• We recommend verifying professional standing via our linked ASIC Register, AdviserRatings, or FAAA Profile.

6. Intellectual property and copyright

© 2026 The Trustee for Mino Family Trust, trading as Sunlit Path Retirement Partners. All rights reserved. Unless otherwise stated, we claim copyright ownership of all material on this Website. You may download or print content for personal, non-commercial use only. Any other use, including reproduction or modification, requires prior written consent under the Copyright Act 1968 (Cth).

7. Limitation of liability

To the maximum extent permitted by law, Sunlit Path and Spark Advisors Australia Pty Ltd disclaim all liability for any loss or damage arising from your use of this Website, reliance on its content, or any technical interference (including viruses) encountered while accessing the site or linked third-party websites.

8. External links

This Website contains links to third-party sites (for example, ASIC, FAAA, ATO). These are provided “as is” for your convenience. We do not endorse or take responsibility for the content, privacy policies, or intellectual property compliance of these external sites.

9. Governing law

These Terms and Conditions are governed by the laws of Queensland, Australia. You submit to the exclusive jurisdiction of the courts of that State.

10. Data security and sovereignty

We take the security of your financial data seriously and handle it in line with the Privacy Act 1988 (Cth):

• Primary CRM & Data Hosting: Our primary Client Relationship Management (CRM) system is Iress Xplan. All permanent client records are managed within this environment, utilising Australian-based data centres.
• Local Data Handling: Documents processed locally for “in-use” purposes are protected via encryption and advanced endpoint management.
• Encryption & MFA: We use encryption to help protect electronic data at rest and in transit. We enforce mandatory multi-factor authentication and passkey-based access across the systems we use.
• Audit & Retention: To meet our obligations under the Corporations Act 2001, we maintain secure digital audit logs and automated retention systems (Google Vault) for the statutory 7-year period.

11. Website, forms, advertising and email tools

Our website and marketing use a small number of third-party tools, which may store information outside Australia:

• Enquiry and booking forms: Fillout (United States), with notifications to our Google Workspace email.
• Email updates: MailerLite, which stores subscriber details in the European Union. You’ll only receive marketing emails if you opt in, and every email has an unsubscribe link.
• Website analytics and advertising: Google Analytics, Google Ads and Meta (Facebook) may use cookies and similar technologies to measure visits and show our ads. They process data in the United States and other countries. These run only if you accept them in our cookie banner, and you can change your choice at any time with the Revisit consent button. We don’t send financial, health or aged care details to advertising platforms. For everything else, including access, correction and complaints, please see our licensee’s Privacy Policy (Spark Advisors Australia).

12. Contact details and professional links

If you have questions regarding these Terms, or if you wish to verify our credentials, please use the details below:

Business Name: Sunlit Path Retirement Partners (a trading name of The Trustee for Mino Family Trust, ABN 16 788 964 101)

Principal Adviser: Simon Pederson (AR No. 000341008)

Licensee: Spark Advisors Australia Pty Ltd (AFSL 380552)

Email: admin@sunlitpath.com.au

Phone: 07 5327 3495

Office Address:
M3-110, The Wharf Mooloolaba
123 Parkyn Parade,
Mooloolaba QLD 4557

Professional profiles and compliance

• View our Financial Services Guide (FSG)
• our licensee’s Complaints Policy (Spark Advisors Australia)
• our licensee’s Privacy Policy (Spark Advisors Australia)
• Verify us on the ASIC Financial Advisers Register
• View our FAAA Professional Profile
• View our AdviserRatings Profile