Privacy Policy

Effective Date: January 1, 2025 · Last Updated: August 31, 2026 · 305 Ventures Corp d/b/a Point Break Funding

Overview

305 Ventures Corp d/b/a Point Break Funding (“Point Break Funding,” “we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or submit an application for funding.

By using our website or submitting any information to us, you agree to the terms of this Privacy Policy. If you do not agree with the terms of this policy, please do not access or use our site.

305 Ventures Corp is located at 66 W Flagler Street, Suite 900, PMB 12226, Miami, FL 33130. We are not a bank, lender, or financial institution. We provide Merchant Cash Advance (MCA) products, which are purchases of future business receivables and are not loans.

Information We Collect

Information You Provide Directly

When you submit an application, contact us, or register as an ISO partner, we may collect:

• Full name, business name, and contact information (phone, email, address)
• Business financial information including bank statements and revenue figures
• Business structure, industry, and time in business
• Your role at the company and funding amount requested
• Social Security Number or Employer Identification Number (EIN) for identity verification and underwriting purposes
• Any other information you voluntarily provide in connection with your application

Information Collected Automatically

When you visit our website, our website hosting, security, or infrastructure providers may automatically process limited technical information necessary to deliver the Site, maintain security, prevent abuse, and diagnose technical issues.

This information may include:

• IP address
• Browser type and device information
• Date and time of requests
• Technical request and server-log information
• Information reasonably necessary to maintain the security and operation of the Site

Point Break Funding does not currently use cookies, browser local storage, browser session storage, or third-party analytics or advertising technologies to track visitor activity on pointbreakfunding.com.

For additional information, please review our Cookie Policy.

Information from Third Parties

We may also receive information about you from third parties, including credit bureaus, business data providers, and our ISO partner network, in connection with underwriting and fraud prevention.

How We Use Your Information

We use the information we collect for the following purposes:

• To process your application — evaluate eligibility, conduct underwriting, and make funding decisions
• To verify your identity — confirm the identity of applicants and prevent fraud
• To communicate with you — contact you regarding your application, offer, or account via phone, email, or text message
• To manage your account — administer your advance, process remittances, and handle renewals
• To maintain and improve our services — operate, secure, troubleshoot, maintain, and improve our website, systems, and products
• To comply with legal obligations — fulfill regulatory, legal, and compliance requirements
• For marketing communications — send you information about our products and services, subject to your right to opt out

Sharing of Information

We do not sell your personal information to third parties. We may share your information in the following circumstances:

• Service Providers — with vendors who assist us in operating our business, such as technology providers, underwriting partners, and payment processors, who are contractually obligated to protect your information
• ISO Partners — if your application was submitted through an ISO partner, we may share status and outcome information with that partner
• Credit Bureaus — we may report account information to commercial credit bureaus in connection with underwriting and account management
• Legal Requirements — when required by law, regulation, court order, or government authority
• Business Transfers — in connection with a merger, acquisition, or sale of all or part of our business
• With Your Consent — for any other purpose with your explicit consent

Cookies & Tracking Technologies

Point Break Funding currently does not use cookies or similar browser-based tracking technologies on pointbreakfunding.com.

We do not currently use cookies, browser local storage, or browser session storage for:

• Website analytics
• Advertising
• Behavioral tracking
• Marketing attribution
• Personalization
• Tracking visitors across websites

We also do not currently use Google Analytics or similar third-party analytics services on the Site.

Our website infrastructure and service providers may process limited technical information, such as IP addresses, browser or device information, request timestamps, and server-log information, as reasonably necessary to deliver the Site, maintain security, prevent abuse, and diagnose technical issues. Such server-side processing does not necessarily involve placing cookies or tracking technologies on a visitor’s device.

The Site may contain links to or integrations with third-party websites or services. If you leave pointbreakfunding.com or interact directly with a third-party service, that third party may collect information or use cookies or similar technologies according to its own privacy practices. Point Break Funding does not control technologies used independently by third-party websites or services.

If Point Break Funding introduces cookies, analytics, advertising technologies, or similar tracking tools in the future, we will update this Privacy Policy and our Cookie Policy and implement any consent or notice mechanisms required by applicable law.

For additional information, please review our Cookie Policy.

Data Security

We implement industry-standard security measures to protect your personal information.

Information transmitted between your browser and this website is encrypted in transit using Transport Layer Security (TLS). The Site is served over HTTPS only, and older, less secure protocols — including SSL and TLS versions 1.0 and 1.1 — are disabled.

Information you submit through the Site is transmitted to, and stored by, the third-party email, hosting, and infrastructure providers we use to operate our business. These providers apply encryption to data at rest as part of their platform security controls.

Access to personal information is limited to personnel and service providers who require it for the purposes described in this Privacy Policy.

However, no method of electronic transmission or storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security. You provide information at your own risk.

If you believe your information has been compromised, please contact us immediately at info@pointbreakfunding.com.

Data Retention

We retain your personal information for as long as necessary to provide the services described in this Privacy Policy, to comply with our legal and record-keeping obligations, to resolve disputes, and to enforce our agreements.

How long that is depends on the system holding the information:

• Applications and correspondence — the application you submit reaches us by email and is retained in our business mail system as part of our funding records.
• Account records — if you become a customer, your account, advance and payment records are retained for the life of the relationship and afterwards for the period required by the record-keeping obligations that apply to us.
• Delivery and infrastructure logs — the third-party services that transmit our email and host the Site keep short-lived operational logs. These are retained for approximately 30 days or less, and are not used to build a profile of you.

Where we no longer have a business or legal reason to keep your information, we delete it or remove the details that identify you.

You may request deletion of your personal information subject to certain legal limitations as described in Section 8 below.

Your Rights & Choices

Depending on your state of residence, you may have the following rights regarding your personal information:

• Access — request a copy of the personal information we hold about you
• Correction — request correction of inaccurate or incomplete information
• Deletion — request deletion of your personal information, subject to legal retention requirements
• Opt-Out of Marketing — unsubscribe from marketing communications at any time by replying STOP to text messages, clicking unsubscribe in emails, or contacting us directly
• Do Not Sell — we do not sell personal information; however, you may contact us to confirm this

California residents may have additional rights under the California Consumer Privacy Act (CCPA). Florida residents and residents of other states may have rights under applicable state privacy laws.

To exercise any of these rights, please contact us at info@pointbreakfunding.com or by mail at 66 W Flagler Street, Suite 900, PMB 12226, Miami, FL 33130. We will respond to verifiable requests within 45 days.

Children’s Privacy

Our services are intended for business owners and are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete it.

Changes to This Policy

We reserve the right to update this Privacy Policy at any time. Changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically. Your continued use of our website following the posting of changes constitutes your acceptance of those changes.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us:

This Privacy Policy is provided for informational purposes. Point Break Funding recommends consulting with a qualified attorney to ensure full compliance with applicable federal and state privacy laws, including CCPA and other applicable regulations.