VERTICALS

Regulated acquisition categories, routed with control.

Spear routes category demand only when source quality, consent, advertiser fit, capacity, and feedback standards are clear.

Regulated lead categories routed through SpearPoint X allocation controls.

VERTICAL ALLOCATION

Distinct categories. One controlled routing discipline.

Buyers can compare categories by source standards, consent, buyer fit, delivery readiness, and replacement rules.

CATEGORY MATRIX

Five regulated categories. Defined controls for each.

Mortgage is Spear's core focus. Finance, insurance, legal, and auto are reviewed only where Spear can enforce source, consent, routing, and dispute standards.
Mortgage focusMortgage

Mortgage and Home Lending

Mortgage inquiries routed with consent, territory, capacity, delivery readiness, and buyer feedback checks.

Routing inputs

  • Purchase or refinance context
  • State and territory fit
  • Timeframe and loan-purpose inputs
Discuss Mortgage Allocation
Financial-services demandFinance

Financial Services

Private lending, non-bank lending, debt, credit, and refinance-adjacent programs with documented controls and claim limits.

Routing inputs

  • Consumer intent and category context
  • Consent and handoff explanation
  • Jurisdiction and serviceability checks
Discuss Financial Services Allocation
Insurance acquisitionInsurance

Insurance

Insurance inquiries routed with product context, consent, licensed buyer readiness, sensitive-data handling, and jurisdiction-aware routing.

Routing inputs

  • Product context capture
  • Jurisdiction and serviceability checks
  • Sensitive-data handling
Discuss Insurance Allocation
Legal intake demandLegal

Legal

Legal categories supported where jurisdiction, case criteria, intake standards, consent, and claim boundaries can be defined.

Routing inputs

  • Category-specific acquisition path
  • Consent and contact permission
  • Jurisdiction capture
Discuss Legal Demand
Vehicle-intent demandAuto

Auto

Auto inquiries routed by location, vehicle interest, finance intent, inventory match, and response coverage.

Routing inputs

  • Vehicle type
  • Purchase timeframe
  • Finance intent
Discuss Auto Demand

SHARED STANDARDS

Every category still has to pass the same operating test.

Spear limits volume when consent, qualification, routing, delivery, dispute, or audit controls are not ready.
Consent and source context
Publisher quality standards
Advertiser eligibility
Market, territory, and capacity controls
Delivery records
Dispute control
Performance-weighted allocation priority

ACCESS REVIEW

If your category fits Spear's controls, talk with us before planning volume.

Spear reviews category risk, buyer capacity, compliance posture, territory, delivery path, and dispute rules before routing volume.

Talk About Your CategoryReview SpearPoint X