Effective Date: 01/01/2025

Welcome to 305Senior and its affiliated platforms, including but not limited to MiamiHealthcareNews.com and MiamiBusiness.com (collectively, the “Platform”).

By accessing or using this website, you agree to the terms outlined below.

1. Informational & Educational Purpose Only

All content provided on this Platform is for informational and educational purposes only.

The information presented should not be interpreted as:

  • Legal advice

  • Financial or investment advice

  • Insurance advice

  • Medicare plan advice

  • Tax advice

  • Medical advice

  • Healthcare treatment guidance

  • Professional consulting services

You should consult licensed professionals in the State of Florida or your applicable jurisdiction before making any legal, financial, medical, or insurance decisions.

2. No Professional Relationship Created

Use of this Platform, submission of contact forms, email communication, phone calls, or receipt of referrals does not create:

  • An attorney-client relationship

  • A financial advisory or fiduciary relationship

  • An insurance agent-client relationship

  • A healthcare provider-patient relationship

  • A joint venture or partnership

Any professional relationship is formed solely between you and the licensed professional you independently choose to engage.

3. Independent Third-Party Professionals

Professionals referenced, listed, or introduced through this Platform are independent third parties.

305Senior:

  • Does not supervise or control their services

  • Does not employ them (unless explicitly stated)

  • Does not guarantee their outcomes

  • Does not assume responsibility for their professional conduct

Users are solely responsible for performing their own due diligence before engaging any provider.

4. No Legal Advice

305Senior is not a law firm and does not provide legal advice, legal representation, document drafting, guardianship filings, Medicaid structuring, estate planning services, or legal advocacy.

Any legal matters must be discussed directly with a licensed Florida attorney.

5. No Financial or Investment Advice

305Senior is not a registered investment advisor, broker-dealer, financial planner, or fiduciary.

We do not:

  • Recommend investment strategies

  • Review portfolios

  • Offer asset allocation guidance

  • Provide retirement income planning

  • Offer tax strategy advice

Any financial decisions should be made with a licensed and registered professional.

6. No Insurance or Medicare Brokerage Services

305Senior is not an insurance agency or licensed insurance broker unless expressly disclosed.

We do not:

  • Recommend specific Medicare plans

  • Compare insurance products

  • Sell policies

  • Act as agents in coverage decisions

Insurance discussions are informational only. Licensed insurance professionals must be consulted directly.

7. No Medical Advice or Healthcare Services

305Senior is not a healthcare provider and does not diagnose, treat, or manage medical conditions.

We do not:

  • Provide medical opinions

  • Interpret diagnostic results

  • Recommend treatments

  • Prescribe medication

  • Provide clinical care

All medical decisions must be made with licensed healthcare professionals.

8. HIPAA & Health Information Boundary

305Senior is not a Covered Entity under the Health Insurance Portability and Accountability Act (HIPAA).

We do not:

  • Maintain medical records

  • Store protected health information (PHI)

  • Bill insurance

  • Operate as a healthcare provider

Users are advised not to submit medical records, diagnoses, insurance cards, or sensitive health information through this website or email.

Any information voluntarily shared is submitted at the user’s discretion.

9. Referral Transparency & Compensation Disclosure

305Senior may receive marketing fees, advertising compensation, sponsorship payments, or directory listing fees from certain service providers.

These arrangements:

  • Do not constitute legal or financial fee-splitting

  • Do not create joint ventures

  • Do not create fiduciary duties

  • Do not influence independent professional advice

  • Do not increase the cost of services to users

All professional fees are determined solely by the licensed provider.

10. No Endorsement or Guarantee

Listing, mentioning, or connecting users to a provider does not constitute:

  • Endorsement

  • Certification

  • Verification of credentials

  • Guarantee of outcome

  • Warranty of services

Users assume full responsibility for evaluating providers.

11. Limitation of Liability

To the fullest extent permitted by Florida law, 305Senior and its affiliated platforms, owners, officers, employees, contractors, and agents shall not be liable for:

  • Direct, indirect, incidental, or consequential damages

  • Financial losses

  • Legal disputes

  • Healthcare outcomes

  • Professional negligence by third parties

  • Reliance on website information

  • Travel-related incidents

  • Insurance coverage disputes

  • Investment performance

Use of this Platform is at your own risk.

12. Indemnification

By using this Platform, you agree to indemnify and hold harmless 305Senior and its affiliates from any claims, liabilities, damages, or expenses arising from your use of the website or engagement with third-party providers.

13. Governing Law & Venue

These terms are governed by the laws of the State of Florida.

Any dispute arising from use of this Platform shall be resolved exclusively in Miami-Dade County, Florida.

14. Modifications

305Senior reserves the right to modify this Legal Notice at any time without prior notice. Continued use of the Platform constitutes acceptance of updated terms.

Interested in this topic?