WOLF AI LABS LEGAL TERMS & PRIVACY.

Effective from: 12 January 2026 Last updated: 24 June 2026

This document contains the legal terms for the websites and services operated by Wolf AI Labs Limited, a company registered in England and Wales under company number 16609169, with its business and correspondence address at Technology House, 9 Newton Place, Glasgow G3 7PR ("Wolf AI," "we," "us," "our").

It is organised in two parts. Part A covers the consumer service at www.aiclaimsguys.com (trading as Overcharged Checker / AI Claims Guys). Part B covers the corporate website at www.wolfailabs.com.

Each part contains a Privacy Policy, a Cookies Policy and Terms & Conditions. We process personal data in accordance with the UK GDPR, the Data Protection Act 2018 and the Privacy and Electronic Communications Regulations (PECR).

CONTENTS

Part A, AI Claims Guys / Overcharged Checker: A1 Privacy Policy, A2 Cookies Policy, A3 Terms & Conditions.

Part B, Wolf AI Labs: B1 Privacy Policy, B2 Cookies Policy, B3 Terms & Conditions.

PART A: AI CLAIMS GUYS / OVERCHARGED CHECKER

These terms apply to the Overcharged Checker / AI Claims Guys website and online dispute resolution platform at www.aiclaimsguys.com (the "Service").

A1. PRIVACY POLICY

Wolf AI Labs Limited is the data controller for the personal data described here.

1. Who We Are

Wolf AI Labs Limited is registered in England and Wales under company number 16609169. Our business and correspondence address is Technology House, 9 Newton Place, Glasgow G3 7PR. You can reach our data protection contact by post at that address or through the contact page on our website.

2. The Personal Data We Collect

Depending on how you use the Service, we may collect:

• Identity and contact data: name, postal address, email address, telephone number, date of birth, user ID and password.
• Account and transaction data: package purchased, billing details, payment records, and your activity within your account.
• Claim and financial product data: details of the financial, insurance, energy, telecoms, tax or other products you ask the Service to check; provider names; account or policy numbers; statements, invoices, correspondence and other documents you upload; and the complaint reports generated for you.
• Special category data: where you use the Service in relation to a personal injury claim or otherwise provide it, we may process information about your health. We only do this where a condition under Article 9 UK GDPR applies (see Section 4).
• Technical and usage data: IP address, device type and identifiers, log data, browser type, pages viewed, features used and error reports.
• Communications data: information you provide when you contact support, give feedback, or take part in optional surveys or research.

3. How We Collect Your Data

We collect data directly from you (when you register, buy a package, upload documents or contact us), automatically (through cookies and similar technologies, see Section A2), and occasionally from third parties such as address validation or fraud prevention providers, where permitted by law.

4. Why We Use Your Data and Our Lawful Bases

We only use your personal data where the law allows. Our lawful bases under Article 6 UK GDPR are:

• Performance of a contract: to create and manage your account, take payment, generate your complaint and claim reports, and provide the Service you have requested.
• Legitimate interests: to operate, secure, improve and analyse the Service, prevent fraud and abuse, and, where permitted, send you relevant marketing, balanced against your rights. You can object at any time.
• Consent: for certain cookies and certain direct marketing, and where we otherwise ask for it. You can withdraw consent at any time.
• Legal obligation: to comply with our legal and regulatory duties.

For special category data (such as health data in personal injury matters), we additionally rely on a condition under Article 9 UK GDPR: your explicit consent, and/or that the processing is necessary for the establishment, exercise or defence of legal claims. We will make clear when we are relying on your explicit consent, and you can withdraw it at any time.

5. Automated Processing and AI Generated Reports

The Service uses artificial intelligence and automated systems to analyse the information you provide and to generate complaint and claim reports. These reports are tools to help you decide whether and how to complain to your provider. You review, confirm and submit them. We do not carry out solely automated decision making that produces legal or similarly significant effects on you within the meaning of Article 22 UK GDPR. You remain in control of whether to send a report or pursue a claim.

6. Marketing

Where permitted, we may send you information about the Service and related offers by email, SMS or other channels. You can opt out at any time using the unsubscribe link in any email, by replying STOP to an SMS, or by contacting us. We handle electronic marketing in line with PECR.

7. Who We Share Your Data With

We share personal data only as needed, with: service providers (processors) acting on our behalf under written contract (for example hosting, IT, payment processing, communications and analytics providers); the recipient of your complaint, since you submit complaints and reports to your own providers, and where you ask us to facilitate this the information goes to the provider you direct it to; professional advisers, regulators and authorities where required or permitted by law, or to establish, exercise or defend legal claims, or to prevent fraud; and a successor if our business is reorganised, sold or transferred. We do not sell your personal data.

8. International Transfers

Your data is primarily processed in the UK. Where any provider processes data outside the UK, we ensure an appropriate safeguard is in place, such as a UK adequacy determination, the ICO's International Data Transfer Agreement (IDTA), or the UK Addendum to the EU Standard Contractual Clauses. You can ask us for details using the contact information above.

9. Your Rights

Under UK data protection law you have the right to: access your data; request rectification of inaccurate data; request erasure; restrict or object to processing; request portability; and, where we rely on consent, withdraw that consent at any time. You also have the right not to be subject to solely automated decisions producing legal or similarly significant effects.

To exercise any right, contact us using the details above. We will respond within one month, as required by law. Some data may need to be retained even after an erasure request, for example to meet legal obligations or to establish, exercise or defend legal claims (see Section 10).

10. Data Retention

We keep your personal data only as long as necessary for the purposes set out in this Policy, including for the life of your account and to provide the Service. After your account closes or becomes inactive, we retain data only where needed to comply with legal, regulatory or tax obligations; to establish, exercise or defend legal claims; to prevent fraud; and in line with your marketing preferences. As a general guide, we keep financial and transaction records for six years, closed claim files for six years, and the accounts of inactive users for up to 24 months before deletion or anonymisation. When data is no longer needed, we securely delete or anonymise it.

11. Security

We use appropriate technical and organisational measures to protect your data, including access controls, encryption in transit and secure hosting. No system is completely secure, and we cannot guarantee absolute security, but we work to protect your data and to meet our obligations if a personal data breach occurs.

12. Children

The Service is intended for adults (18+) and is not directed at children. We do not knowingly collect data from anyone under 18.

13. Complaints

If you have concerns about how we handle your data, please contact us first so we can try to resolve them. You also have the right to complain to the Information Commissioner's Office (ICO), www.ico.org.uk, helpline 0303 123 1113.

14. Changes to This Policy

We may update this Policy from time to time. Where changes are material, we will notify you through the Service or by other means. The "Last updated" date at the top shows when it was last revised.

A2. COOKIES POLICY

This Cookies Policy explains how we use cookies and similar technologies on www.aiclaimsguys.com, in line with PECR and the UK GDPR. It should be read with the Privacy Policy above.

1. What Are Cookies?

Cookies are small text files placed on your device when you visit a website. Similar technologies include pixels, tags and local storage. They help the site work, remember your preferences, and help us understand how the site is used.

2. The Cookies We Use

We use cookies in the following categories:

• Strictly necessary: required for the site and your account to function (for example sign in, security and basic navigation). These do not require consent.
• Functional: remember your choices and preferences.
• Analytics and performance: help us understand how the site is used so we can improve it. We use Google Tag Manager and Google Analytics for this purpose.
• Advertising and targeting: used to make advertising more relevant and to measure its effectiveness, where applicable.

Non-essential cookies (functional, analytics and advertising) are set only with your consent, which you give through our cookie banner and can change at any time. The specific cookies in each category, and their durations, are listed and managed in the cookie settings panel on the site.

3. Managing Cookies

You can manage non-essential cookies through our cookie banner or settings at any time. You can also control cookies through your browser settings, including deleting or blocking them, though some parts of the Service may not work properly if you do. To opt out of interest based advertising, you can also visit Your Online Choices (www.youronlinechoices.com).

4. Changes

We may update this Cookies Policy from time to time. The "Effective from" date shows when it was last revised.

A3. TERMS AND CONDITIONS

These Terms govern your use of the Service. By creating an account or using the Service you agree to them.

1. What the Service Is, and What It Is Not

The Service is a self-service ("DIY") tool. It helps you identify potential overcharging, miscalculations, contract breaches or mis-selling on your own financial and other products, and generates complaint and claim reports that you review, confirm and submit to your own providers.

We do not act as your agent or representative; we do not provide legal, financial, tax or claims-management advice; we do not submit complaints on your behalf except where you expressly use a facilitation feature; and we do not guarantee any outcome, payout, refund or response from any provider.

2. Eligibility

You must be at least 18 and resident in the UK to use the Service, and the products you check must be your own or ones you are entitled to act on.

3. Accounts

You are responsible for keeping your login details secure and for activity on your account. Tell us promptly of any unauthorised use. Information you provide must be accurate and complete, and reports generated by the Service rely on the information you input.

4. Packages, Pricing and Payment

The Service is offered in packages (such as Starter, Essentials, Advanced and Business). Prices, features and any subscription terms are shown at the point of purchase, and payment is taken through our payment provider. Any recurring or subscription charges, and how to cancel them, are set out at checkout before you commit to purchase.

5. Cancellation and Refunds

As a consumer buying online, you generally have a 14 day cancellation right under the Consumer Contracts Regulations 2013. If you ask us to begin providing the digital service within that 14 day period, you acknowledge that your right to cancel may be lost once the service has been fully performed, or that we may charge for the portion supplied up to cancellation. This does not affect your statutory rights under the Consumer Rights Act 2015, including the right to a service carried out with reasonable care and skill. To cancel, contact us using the details below.

6. Acceptable Use

You agree not to misuse the Service, including not to submit false, fraudulent or third party information without authority; use the Service unlawfully; attempt to disrupt, reverse engineer or gain unauthorised access to it; or use it to harass any provider. We may suspend or terminate accounts that breach these Terms.

7. Intellectual Property

The Service, including its software, AI models, content and branding, is owned by or licensed to Wolf AI Labs Limited. You receive a limited, non-exclusive, non-transferable right to use the Service for your own personal claims. Reports generated for you are yours to use for those claims.

8. Your Content

You retain ownership of the documents and information you upload. You grant us a licence to process them as needed to provide the Service (see the Privacy Policy above), and you confirm you have the right to provide them.

9. Disclaimers

The Service is provided on an "as is" and "as available" basis. While we work to keep it accurate and available, we do not warrant that reports will be error free, that any claim will succeed, or that the Service will be uninterrupted. Outputs are tools to assist your own decisions, not advice.

10. Liability

Nothing in these Terms limits liability that cannot be limited by law, including for death or personal injury caused by negligence, or for fraud. Subject to that, and to the extent permitted by law: we are not liable for the outcome of any complaint or claim you choose to pursue; we are not liable for indirect or consequential loss; and our total liability to you is limited to the amount you paid for the Service in the 12 months before the event giving rise to the claim. Your statutory rights as a consumer are not affected.

11. Termination

You may close your account at any time. We may suspend or end your access if you breach these Terms or where required by law. Provisions that by their nature should survive, such as intellectual property and liability, will continue after termination.

12. Changes to the Service or Terms

We may update the Service and these Terms from time to time. Material changes will be notified through the Service or by other means, and the "Effective from" date will be updated.

13. Governing Law

These Terms are governed by the law of England and Wales, and its courts have non-exclusive jurisdiction. If you are a consumer resident elsewhere in the UK, you retain the benefit of any mandatory consumer protection rules of the country in which you live.

14. Contact

Wolf AI Labs Limited, Technology House, 9 Newton Place, Glasgow G3 7PR, or via the contact page on our website.

PART B: WOLF AI LABS

These terms apply to the corporate website at www.wolfailabs.com.

B1. PRIVACY POLICY

This Privacy Policy explains how Wolf AI Labs Limited collects, uses, shares and protects personal data in connection with our corporate website and our business as the developer and operator of an integrated AI claims technology ecosystem.

1. Who We Are and Our Two Roles

Wolf AI Labs Limited is registered in England and Wales under company number 16609169, with its business and correspondence address at Technology House, 9 Newton Place, Glasgow G3 7PR.

Our role under data protection law depends on the activity. We act as a data controller for personal data we collect through this corporate website and in our own business relationships (enquiries, business and partner contacts, investors, suppliers and job applicants), and this Policy covers that processing. Where we provide our technology to a consumer facing service and process personal data on that service's behalf and on its instructions, we act as a data processor, and the relevant controller's privacy notice governs that data rather than this one.

2. The Personal Data We Collect (as Controller)

• Contact and enquiry data: name, business name, email, phone, and the content of messages when you contact us, request information, or partner or invest with us.
• Business relationship data: records relating to clients, partners, suppliers and prospects.
• Investor data: the information you provide when you make an investor enquiry.
• Recruitment data: your application, CV and related information when you apply for a role.
• Technical and usage data: IP address, device and browser information, and how you use our website (see Section B2).

3. Why We Use It and Our Lawful Bases

We rely on the following lawful bases under Article 6 UK GDPR: legitimate interests (to respond to enquiries, manage business and partner relationships, run and secure our website, develop our products, and carry out B2B marketing, balanced against your rights); contract (to take steps at your request before entering, and to perform, a contract with you or your organisation); consent (for certain cookies and certain electronic marketing, which you can withdraw at any time); and legal obligation (to meet our legal, regulatory, accounting and tax duties).

4. Marketing

We may send business related updates and marketing where permitted. You can opt out at any time via the unsubscribe link or by contacting us. We handle electronic marketing in line with PECR.

5. Who We Share Data With

We share personal data, as needed, with service providers (processors) such as hosting, IT, CRM, communications and analytics providers under written contract; professional advisers such as legal and accounting firms; regulators and authorities where required by law; and a successor in the event of a business reorganisation, sale or transfer. We do not sell personal data.

6. International Transfers

Personal data is primarily processed in the UK. Where a provider processes data outside the UK, we put in place an appropriate safeguard, such as a UK adequacy determination, the ICO's IDTA, or the UK Addendum to the EU Standard Contractual Clauses.

7. Data Retention

We keep personal data only as long as necessary for the purposes above and to meet legal obligations. As a general guide, business and financial records are kept for six years, and enquiry and recruitment records for up to 12 months unless a relationship continues, after which we securely delete or anonymise it.

8. Your Rights

You have the right to access, rectification, erasure, restriction, objection and portability, and to withdraw consent where we rely on it. To exercise a right, contact us using the details below, and we will respond within one month.

9. Security

We use appropriate technical and organisational measures to protect personal data. No method of transmission or storage is completely secure, but we work to protect data and to meet our breach notification obligations.

10. Complaints

Please contact us first with any concern. You also have the right to complain to the ICO (www.ico.org.uk, 0303 123 1113).

11. How to Contact Us

Wolf AI Labs Limited, Data Protection, Technology House, 9 Newton Place, Glasgow G3 7PR, or via the contact page on our website.

12. Changes

We may update this Policy from time to time. The "Last updated" date shows the latest revision.

B2. COOKIES POLICY

This Cookies Policy explains how we use cookies and similar technologies on www.wolfailabs.com, in line with PECR and the UK GDPR. Read it with the Privacy Policy above.

1. What Are Cookies?

Cookies are small text files placed on your device when you visit a website. Similar technologies include pixels, tags and local storage. They help the site work and help us understand how it is used.

2. The Cookies We Use

We use strictly necessary cookies (needed for the site to function and stay secure, no consent required); functional cookies (to remember your preferences); analytics and performance cookies (to understand and improve site usage); and, where applicable, advertising and targeting cookies. Non-essential cookies are set only with your consent, given via our cookie banner and changeable at any time. The specific cookies in each category and their durations are listed and managed in the cookie settings panel on the site.

3. Managing Cookies

Manage non-essential cookies through our banner or settings at any time, or through your browser settings (deleting or blocking may affect functionality). To opt out of interest based advertising, see www.youronlinechoices.com.

4. Changes

We may update this Cookies Policy from time to time. The "Effective from" date shows when it was last revised.

B3. TERMS AND CONDITIONS

These Terms govern your use of www.wolfailabs.com (the "Site"). By using the Site you accept them.

1. About the Site

The Site provides information about Wolf AI Labs Limited and its integrated AI claims technology ecosystem. It is provided for general information only, and specific products and services may be governed by separate terms.

2. Acceptable Use

You agree to use the Site lawfully and not to misuse it; introduce malicious code; attempt to gain unauthorised access; reverse engineer it; or use it in any way that could damage or impair it or others' use of it.

3. Intellectual Property

All content on the Site, including text, graphics, logos, branding, software and the "Wolf AI" name, is owned by or licensed to Wolf AI Labs Limited and is protected by intellectual property laws. You may view and print pages for your own non-commercial reference. You may not otherwise copy, reproduce or exploit Site content without our permission.

4. No Advice

Information on the Site does not constitute legal, financial, tax or professional advice and should not be relied on as such. You should obtain appropriate professional advice before acting.

5. Links and Third Parties

The Site may link to third party websites. We are not responsible for their content or practices, and links do not imply endorsement.

6. Disclaimers and Liability

The Site is provided "as is" and "as available." We do not warrant that it will be accurate, complete, uninterrupted or error free. Nothing in these Terms excludes liability that cannot be excluded by law, including for death or personal injury caused by negligence, or for fraud. Subject to that, and to the extent permitted by law, we are not liable for any loss arising from use of, or inability to use, the Site, including indirect or consequential loss.

7. Privacy and Cookies

Your use of the Site is also governed by the Privacy Policy and Cookies Policy above.

8. Changes

We may update the Site and these Terms from time to time. The "Effective from" date shows the latest revision.

9. Governing Law

These Terms are governed by the law of England and Wales, whose courts have non-exclusive jurisdiction.

10. Contact

Wolf AI Labs Limited, Technology House, 9 Newton Place, Glasgow G3 7PR, or via the contact page on our website.

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