The increasing scale and complexity of online platforms raises critical policy questions around harmful content, digital well-being, and user autonomy. Traditional content moderation systems rely on centralised, top-down rules, often failing to accommodate the subjective nature of harm perception. This paper proposes an LLM-based multi-agent personalised inference framework that filters content based on unique sensitivity profiles of individual users. Our architecture combines domain-specific Expert Agents, a Manager Agent for orchestrating content analysis and agent selection, and a Ghost Profile Agent for simulating user perspectives, to inform moderation decisions. Evaluated against a range of non-personalised baselines, the system demonstrates up to a 32% improvement in accuracy, showing increased alignment with individual user sensitivities. Beyond technical performance, our framework provides policy-relevant insights for platform governance, providing a scalable way to reconcile moderation policies with societal and individual digital rights