Terms and Conditions of Use

1. Introduction & Agreement

Welcome to the website of Sunlit Path. By accessing or using https://www.sunlitpath.com.au (the “Website”), you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree to these terms, please do not use this Website.

2. Licensing and Regulatory Status

Sunlit Path is a Corporate Authorised Representative (No. 001320149) and Simon Pederson is an Authorised Representative (No. 000341008) of Spark Advisors Australia Pty Ltd (ABN 34 122 486 935, AFSL 380552). All financial services are provided under the authority of this Australian Financial Services License (AFSL).

3. General Advice Warning

The information provided on this Website is general in nature only. It has been prepared without taking into account your personal objectives, financial situation, or needs.

  • It does not constitute commercial, financial, investment, accounting, tax, health or legal advice.

  • Before acting on any information, you should consult a professional financial adviser to consider whether it is appropriate for your circumstances.

  • Before acquiring any financial product, you should obtain and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD).

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 ensure accuracy and compliance 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 we strive to ensure all content is accurate as of March 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 & Copyright

© 2026 SUNLIT PATH. 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 (e.g., 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 & Sovereignty

We take the security of your financial data seriously and implement industry-standard protections aligned with the ACSC Essential Eight and 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 enterprise-grade encryption and advanced endpoint management.

  • Encryption & MFA: All electronic data is encrypted at rest and in transit. We enforce mandatory multi-factor authentication and passkey-based access across all platforms.

  • 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.

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11. Contact Details & 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

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 & Compliance: