Privacy Policy

This Privacy Policy explains how Spear Leads, operating the Golden Path Financial brand, collects, uses, discloses, and protects personal information. It is written for the Australian version of the website and should be read together with our Collection Notice, Contact Consent, and Partner Disclosure.

Who We Are

Golden Path Financial is an introduction and matching service operated by Spear Leads. We help users explore finance, property, and related service pathways and may introduce users to relevant Australian partners.

You can contact us at goldenpathfinancial@gmail.com.

Personal Information We Collect

The information we collect depends on how you use the website. It may include:

• Name, email address, phone number, and contact preferences
• Postcode, suburb, state or territory, and other location details you provide
• Your requested pathway, such as home loans, refinance, property buying support, or debt options
• Information you submit about your property, finance position, goals, or service needs
• Records of your enquiries, partner matching requests, consents, and opt-out requests
• Technical data such as device, browser, IP address, referral source, page activity, and analytics data

We do not ask you to provide information unless it is relevant to operating the website, responding to you, or matching you with relevant partners.

How We Collect Information

We may collect personal information when you:

• Complete a quiz, form, survey, or contact request
• Email us or otherwise communicate with us
• Use the website, including through cookies, analytics, and security tools
• Interact with our advertising, content, or social media pages
• Are referred to us by a partner or campaign provider

Why We Use Information

We use personal information to:

• Operate, secure, and improve the website and matching service
• Respond to enquiries and support requests
• Assess which finance, property, or related service partners may be relevant to your request
• Introduce you to partners who may contact you about your request
• Send service messages, administrative updates, and marketing where permitted
• Measure website performance, campaign performance, and user experience
• Detect, prevent, and investigate spam, fraud, misuse, or unauthorised activity
• Meet legal, compliance, record-keeping, and dispute management requirements

When We Disclose Information

We may disclose personal information to:

• Australian finance, property, and related service partners relevant to your submitted request
• Technology, hosting, analytics, security, form, email, and operations providers
• Advertising, attribution, and campaign measurement providers
• Professional advisers, insurers, regulators, dispute bodies, or authorities where required or permitted
• Another business if our assets or operations are transferred, merged, or reorganised

Partners are responsible for their own privacy practices once they receive your details. You can ask us who received your details by emailing goldenpathfinancial@gmail.com.

Marketing and Contact Preferences

If you submit your contact details, we or relevant partners may contact you about your request by phone, SMS, email, or similar channels. You can opt out of marketing or request no further contact by using an unsubscribe link, replying STOP where available, telling the caller, or emailing goldenpathfinancial@gmail.com.

If a partner contacts you directly, you may also need to opt out with that partner because they control their own communication systems.

Cookies, Analytics, and Similar Technologies

We may use cookies, pixels, analytics tools, and similar technologies to operate the website, understand performance, improve content, measure campaigns, and protect against misuse. You can control some cookie settings through your browser, but disabling cookies may affect website features.

Storage and Security

We use reasonable technical and organisational measures to protect personal information. No method of online transmission or storage is completely secure, so we cannot guarantee absolute security.

Some service providers may process or store information outside Australia. Where this occurs, we take reasonable steps to work with providers that use appropriate privacy and security measures.

Access, Correction, and Deletion Requests

You may ask to access or correct personal information we hold about you. You may also ask us to delete information where we no longer need it for a legitimate business, legal, compliance, or record-keeping purpose.

To make a request, email goldenpathfinancial@gmail.com with enough information for us to identify the relevant record. We may need to verify your identity before actioning the request.

Complaints

If you have a privacy concern, contact us first at goldenpathfinancial@gmail.com. We will review the concern and respond within a reasonable time.

Changes to This Policy

We may update this Privacy Policy as the website, partner network, technology, or legal requirements change. The current version will be indicated by the last updated date on this page.