Terms of Service

Welcome to LIRA (Live Insurance Reputation App).

These Terms of Service ("Terms") govern your access to and use of LIRA — including our website, web application, directory, advisor profiles, verification features, review collection tools, and all related services (collectively, the "Services").

LIRA is operated by ALL VIBE AI LLC ("ALL VIBE AI," "we," "us," "our"). By creating an account, submitting a profile, leaving a review, or otherwise using the Services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and our Privacy Policy.

If you do not agree with these Terms, you must not access or use the Services.

These Terms supplement the ALL VIBE AI Terms of Service. Where a conflict exists with respect to LIRA specifically, these Terms govern.

LIRA is a digital directory and reputation platform for the Philippine insurance industry. The Services may include, without limitation:

• Advisor profiles listing credentials, specialization, and carrier affiliation.
• A verification process that may award a "LIRA Verified" badge.
• A publicly searchable directory of insurance advisors.
• Tools for advisors to request and display client reviews.
• Inquiry and contact features connecting consumers with advisors.

LIRA is an independent platform. It is not an insurance company, insurance agency, broker, or licensed intermediary. LIRA does not sell, underwrite, solicit, or advise on insurance products, and does not receive commissions on any insurance transaction. LIRA is not affiliated with, endorsed by, or acting on behalf of the Insurance Commission or any insurance carrier.

Services may be updated, modified, suspended, or discontinued at any time. LIRA is in active development, and features may change.

You must be at least 18 years old to create an account.

To be listed as an advisor, you represent and warrant that you are a genuine insurance professional and that all information you submit — including your name, credentials, licence details, and carrier affiliation — is accurate, current, and truthful.

You agree to:

• Provide accurate and complete information at registration and keep it current.
• Keep your account access secure and not share it with others.
• Be responsible for all activity that occurs under your account.
• Notify us promptly of any unauthorised use of your account.

Each advisor may maintain only one profile. Accounts are personal and may not be transferred or sold.

Advisors may submit documentation to be verified. Verification is a reasonable, good-faith review of submitted documents — it is not an accreditation, licence, endorsement, or guarantee.

You acknowledge and agree that:

• The LIRA Verified badge indicates only that an advisor submitted documentation that appeared consistent and plausible at the time of review.
• It is not a certification of competence, licensure status, regulatory standing, or the quality of any advice or product.
• LIRA may grant, withhold, suspend, or revoke verification at its sole discretion, at any time.
• Submitting false, forged, or misleading documents is grounds for immediate removal and may be reported to relevant authorities.

Consumers should independently confirm an advisor's licence and standing with the relevant carrier or regulator before making any financial decision.

"User Content" means anything you submit to LIRA — profile information, photos, reviews, ratings, inquiries, or other material.

You retain ownership of your User Content. By submitting it, you grant ALL VIBE AI a worldwide, non-exclusive, royalty-free licence to host, store, reproduce, display, and distribute that content for the purpose of operating and promoting the Services.

You represent that your User Content is truthful, is your own, and does not infringe the rights of others.

Reviews are subject to our Review Policy, which forms part of these Terms. In particular, and without limitation, you must not:

• Write a review about yourself, or have one written on your behalf.
• Offer, request, or accept any incentive in exchange for a review.
• Submit a false, fabricated, or malicious review, or a review about an advisor you have not actually dealt with.
• Include personal, confidential, or policy-specific information in a review.

LIRA may moderate, decline to publish, or remove any User Content that violates these Terms, without notice.

You agree not to:

• Use the Services for any unlawful, fraudulent, or deceptive purpose.
• Impersonate any person, or misrepresent your credentials, licences, or affiliations.
• Scrape, harvest, or bulk-extract data from the directory, or use it to build a competing database.
• Use contact details obtained through LIRA to send spam or unsolicited marketing.
• Manipulate reviews, rankings, or the verification process by any means.
• Interfere with, disrupt, probe, or attempt to gain unauthorised access to the Services.
• Upload malicious code, or content that is defamatory, harassing, obscene, or infringing.

Advisors are solely responsible for complying with all laws and regulations applicable to insurance professionals in the Philippines, including any rules of the Insurance Commission and their carrier governing advertising, solicitation, and professional conduct.

You understand and agree that a core purpose of LIRA is public discoverability. Information you place on your advisor profile — including your name, photo, specialties, carrier affiliation, business contact details, and any published reviews — is intended to be visible to the public and may be indexed by search engines.

Do not place information on your profile that you do not wish to be public. You may edit or request removal of your profile at any time; however, cached or third-party copies may persist outside our control.

Creating an advisor profile is currently free. LIRA may introduce paid plans or premium features in the future. Any fees, billing terms, and cancellation rules will be disclosed clearly before you incur a charge, and you will not be charged without your express consent.

LIRA provides an information and discovery platform only. Nothing on LIRA constitutes insurance, financial, legal, or tax advice, nor a recommendation to purchase any insurance product or to engage any particular advisor.

LIRA does not endorse, guarantee, or take responsibility for any advisor listed, or for any advice, product, service, or transaction between an advisor and a consumer. Any dealings you have with an advisor are solely between you and that advisor.

The Services — including the LIRA name, logo, design, text, graphics, software, and structure — are owned by ALL VIBE AI LLC and protected by applicable intellectual property laws. You may not copy, modify, distribute, or create derivative works from the Services without our prior written consent.

LIRA relies on third-party providers for infrastructure and services, which may include (without limitation) hosting, databases, email delivery, and customer-relationship and communication tooling such as GoHighLevel.

ALL VIBE AI LLC is an independent software provider and is not owned, operated, endorsed, or controlled by GoHighLevel. We are not liable for outages, interruptions, delays, or failures caused by any third-party provider outside our reasonable control.

The Services are provided on an "as is" and "as available" basis, without warranties of any kind, express or implied. We do not warrant that the Services will be uninterrupted, timely, secure, or error-free, or that any information (including reviews or profiles) is accurate or complete.

LIRA makes no guarantee of business results — including leads, inquiries, clients, visibility, ranking, or income. Any examples of potential outcomes are illustrative only.

To the maximum extent permitted by law, ALL VIBE AI LLC and its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or business opportunity, arising out of or relating to your use of the Services.

In no event shall our total aggregate liability arising out of or relating to the Services exceed the greater of (a) the total amount you paid to us for the Services in the twelve (12) months preceding the claim, or (b) USD 100.

We are not liable for the conduct of any advisor or consumer, for the content of any review, or for any transaction or dispute between users.

You agree to indemnify and hold harmless ALL VIBE AI LLC from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from: your use of the Services; your User Content; your violation of these Terms; your violation of any law or third-party right; or any dealing between you and another user.

We may suspend or terminate your access to the Services at any time, with or without notice, including for: violation of these Terms or the Review Policy; submission of false or misleading information or documents; fraudulent, abusive, or unlawful activity; manipulation of reviews or verification; or any threat to the integrity of the platform.

You may close your account at any time by contacting us. Certain content, such as published reviews written by others, may remain on the platform in anonymised or aggregated form where lawful and appropriate.

We may modify these Terms at any time. Updated Terms will be posted with a revised "Last updated" date, and we will make reasonable efforts to notify users of material changes. Your continued use of the Services after an update constitutes acceptance of the revised Terms.

These Terms are governed by the laws of the State of Wyoming, United States, without regard to conflict-of-law principles, and are subject to the dispute-resolution provisions of the ALL VIBE AI Terms of Service, including good-faith negotiation for at least thirty (30) days followed by binding arbitration.

Nothing in this section limits any non-waivable right or remedy available to you under the laws of the Republic of the Philippines, including your rights under the Data Privacy Act of 2012 (RA 10173) and any right to lodge a complaint with the National Privacy Commission.

For questions or notices regarding these Terms:

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