Privacy Policy

LIRA (Live Insurance Reputation App) is operated by ALL VIBE AI LLC ("we," "us," "our"). We respect your privacy and are committed to protecting it through this Privacy Policy.

This policy explains what personal information LIRA collects, how we use and share it, and the rights you have over it. It supplements the ALL VIBE AI Privacy Policy; where LIRA-specific practices differ, this policy governs.

For users in the Philippines, we handle personal information in a manner consistent with the Data Privacy Act of 2012 (Republic Act No. 10173), its Implementing Rules and Regulations, and issuances of the National Privacy Commission (NPC). For the purposes of the Act, ALL VIBE AI LLC acts as the Personal Information Controller for LIRA.

By using LIRA, you acknowledge that your information will be processed as described here.

2.1 Information you give us — Advisors

• Identity and contact details: full name, email address, mobile number.
• Professional details: carrier or agency affiliation, specialties, licence or credential information, professional biography, profile photo.
• Verification documents you choose to upload (for example, a licence, ID, or certificate) to support a verification request.
• Communications you send us, including replies, feedback, and support requests.

2.2 Information you give us — Consumers and reviewers

• Your name and email address when you submit a review or an inquiry.
• The content of your review, rating, or inquiry message.
• Waitlist submissions, including the category you select and your contact details.

2.3 Information collected automatically

• Device and browser type, operating system, and approximate location derived from IP address.
• Usage data: pages visited, features used, session and log data.
• Cookies and similar technologies (see Section 6).

We do not intentionally collect sensitive personal information beyond what is described above. Please do not include policy numbers, financial account details, health information, or other sensitive data in reviews, inquiries, or profile text.

We process personal information to:

• Create and maintain your account and advisor profile.
• Operate the public directory and make advisor profiles discoverable.
• Review verification documents and administer the LIRA Verified badge.
• Send, collect, moderate, and publish reviews.
• Deliver inquiries from consumers to advisors.
• Send service and transactional messages (for example, sign-in links, review requests, and notices).
• Send onboarding, product, and marketing communications where permitted — you may unsubscribe at any time.
• Maintain security, prevent fraud and abuse, and enforce our Terms and Review Policy.
• Analyse and improve the Services.
• Comply with legal obligations and respond to lawful requests.

Our lawful bases

Depending on the activity, we rely on: your consent (for example, publishing your profile publicly, uploading verification documents, or receiving marketing); the performance of a contract with you; our legitimate interests (such as securing and improving the platform); and compliance with law.

LIRA is a public directory. Information on your advisor profile — including your name, photo, specialties, carrier affiliation, business contact details, verification status, and any published reviews about you — is intended to be publicly visible and may be indexed by search engines.

Reviewer names may be displayed alongside published reviews. Do not submit information you do not want to be public.

Verification documents are never published. They are used solely to assess verification, are access-restricted, and are not shown on your public profile.

We do not sell your personal information.

We may share information:

• Publicly — profile and review information, as described in Section 4.
• With advisors — when you submit an inquiry, we share it with the advisor you contacted so they can respond.
• With service providers who process data on our behalf under appropriate obligations, including hosting and database providers, email delivery providers, and customer-relationship and communication platforms (for example, GoHighLevel).
• For legal reasons — where required by law, regulation, or valid legal process, or to protect our rights, users, or the public.
• In a business transfer — in connection with a merger, acquisition, or sale of assets, subject to this policy.

We use cookies and similar technologies to keep you signed in, remember preferences, secure the platform, and understand usage. You can control cookies through your browser settings; disabling some cookies may affect functionality (for example, staying signed in).

We retain personal information for as long as your account is active or as needed to provide the Services, and thereafter as required to comply with legal obligations, resolve disputes, and enforce our agreements.

Verification documents are retained only as long as necessary to administer verification and to evidence that a verification decision was properly made, after which they are securely deleted or anonymised.

Published reviews may remain on the platform after an advisor's account closes, where lawful and appropriate, and may be anonymised.

LIRA relies on infrastructure providers that may store and process data in the United States and other countries. By using the Services, you acknowledge and consent to the transfer, storage, and processing of your information outside the Philippines. We take reasonable measures to ensure such transfers are conducted in accordance with applicable data protection laws, including the Data Privacy Act of 2012.

Subject to applicable law, you have the right to:

• Be informed about how your personal data is processed.
• Access the personal data we hold about you.
• Rectify inaccurate or incomplete information.
• Erase or block data, where grounds under the law apply.
• Object to processing, including direct marketing.
• Withdraw consent where processing is based on consent.
• Data portability — obtain a copy of your data in a usable format.
• Damages — seek compensation for violations of your rights, as provided by law.

To exercise any of these rights, email ava@allvibeai.com. We will respond within a reasonable period in accordance with applicable law.

If you are in the Philippines and believe your rights under RA 10173 have been violated, you may lodge a complaint with the National Privacy Commission (privacy.gov.ph).

We employ reasonable technical, organisational, and physical safeguards to protect personal information — including encrypted transport, access controls, row-level database security, and restricted access to verification documents.

However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security. If a personal data breach occurs that poses a real risk of serious harm, we will notify affected individuals and the National Privacy Commission as required by law.

The Services are not directed to individuals under 18, and we do not knowingly collect their personal information. If we learn we have inadvertently done so, we will delete it promptly. Contact ava@allvibeai.com if you believe this has occurred.

We may update this Privacy Policy from time to time. Updates will be posted with a revised "Last updated" date, and we will make reasonable efforts to notify you of material changes. Continued use of LIRA after an update constitutes acceptance.

For questions, concerns, or requests regarding this Privacy Policy or your personal data:

ALL VIBE AI LLC — operator of LIRA
Wyoming, United States
Email: ava@allvibeai.com
Web: lira.allvibeai.com