Review Policy

LIRA exists to make trust visible. That only works if reviews are real, earned, and honest.

This Review Policy explains who may leave a review, what a review may contain, how reviews are collected and moderated, and how disputes are handled. It applies to everyone who writes, requests, or is the subject of a review, and forms part of our Terms of Service.

A review may only be submitted by someone with genuine, first-hand experience of the advisor being reviewed — for example, a client, or a person who received a consultation or service from that advisor.

You may not leave a review if you:

• Are the advisor being reviewed, or are writing on their behalf.
• Are a competitor of the advisor.
• Are an immediate family member or household member of the advisor.
• Have no actual experience with the advisor.
• Have been offered any incentive, payment, gift, or benefit in exchange for the review.

Reviews are collected by invitation. A verified advisor may send a review request to a client through LIRA. The client receives a private, single-use link to submit their review.

To protect integrity and prevent spam, the following controls apply:

• Only verified advisors may request reviews. Unverified advisors cannot send requests.
• Each review request link is single-use and expires after use.
• Advisors may send up to a set number of review requests per day (currently 10). This is to encourage a natural pace, not bulk solicitation.
• A given client may only be re-requested after a cooling-off period (currently 90 days).
• Reviews may be held briefly before publication for quality and abuse checks.

Advisors must not request reviews outside these tools in a way that circumvents these controls.

Reviews must be truthful and relate to a real experience. Reviews must not contain:

• False, fabricated, or misleading statements.
• Personal or sensitive information — including policy numbers, account details, financial figures, health information, or another person's private data.
• Hate speech, harassment, threats, obscenity, or discriminatory content.
• Defamatory or unlawful statements.
• Advertising, promotional content, spam, or links.
• Content that infringes another party's rights.
• Allegations of illegal conduct or regulatory violations. Those belong with the carrier or the Insurance Commission, not a public review.

Reviews are about service experience — professionalism, responsiveness, clarity, and care. They are not the place to describe the specifics of a policy or a claim outcome.

The following are strictly prohibited and are grounds for removal of reviews, loss of verification, or permanent removal from LIRA:

• Incentivised reviews — offering or accepting money, gifts, discounts, or any benefit for a review.
• Fake reviews — writing, buying, exchanging, or soliciting reviews from people who were never clients.
• Review gating — screening clients first and only inviting those likely to be positive.
• Retaliation — threatening or pressuring a client to change, remove, or withhold a review.
• Impersonation — submitting a review under a false identity.
• Coordinated manipulation — any scheme to inflate one advisor's rating or damage another's.

LIRA may review, decline to publish, or remove any review that violates this policy, using a combination of automated checks and human review.

We do not remove a review simply because it is negative, unflattering, or because the advisor disagrees with it. A negative but honest review is legitimate and stays.

We may remove a review that is fake, incentivised, abusive, unlawful, off-topic, or that exposes sensitive information.

If you are an advisor and believe a review breaches this policy, you may dispute it by emailing ava@allvibeai.com with:

• A link to your profile and the review in question.
• The specific ground on which you are disputing it (for example: the reviewer was never a client; it contains sensitive data; it is abusive).
• Any supporting context — without disclosing the client's confidential or policy information.

We will assess the dispute in good faith and reach a reasonable decision. We may contact the reviewer. The review may be temporarily hidden while under assessment.

Our decision is final, and we are not obliged to remove an honest review. Disagreement with a rating is not, by itself, grounds for removal.

Anyone — advisor, consumer, or member of the public — may report a review that appears fake, abusive, or unlawful. Email ava@allvibeai.com with the details. We take reports seriously and act on those that are substantiated.

Reviews are displayed on an advisor's public profile. We do not allow advisors to selectively hide, reorder, or delete individual reviews about themselves.

Verification status and review activity may influence directory ranking. Ranking is a product decision made by LIRA and may change; it is not for sale, and placement cannot be purchased.

Violations of this policy may result in: removal of the offending review; a warning; suspension or revocation of the LIRA Verified badge; suspension or removal of the advisor's profile; and, in serious cases, referral to the relevant carrier or regulator.

We may update this Review Policy from time to time. Updates will be posted with a revised "Last updated" date.

Questions or reports: ava@allvibeai.com