WOLF AI LABS LEGAL TERMS

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.
• Connected account data: where you choose to connect or sync an external account (for example a bank or financial account through open banking, or by providing login details for another provider), the account information we access to provide that feature, and any login details you provide, which we hold in encrypted form and use only for the feature you have enabled.
• 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, for connecting an external account, 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. Connected Accounts and Open Banking

Some features let you connect an external account so the Service can use information from it, for example connecting a bank or financial account through open banking, or providing login details for another provider so we can retrieve relevant data for you. Where we use login details, we hold them in encrypted form and use them only to provide the feature you have enabled and at your direction. You can disconnect a connected account at any time. We only access the data needed for the feature you have chosen. Where a connected-account feature involves a regulated account information service, it is provided under the appropriate authorisation or agency arrangement.

7. 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.

8. 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, open banking 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.
• An external legal firm or approved partner, where you ask us to refer your packaged complaint or claim, or approve such a referral. We share only the information needed for the referral, and your relationship with that firm or partner is governed by their own terms.
• Professional advisers, regulators and authorities where required or permitted by law, or to establish, exercise or defend legal claims, or to prevent fraud.
• A successor if our business is reorganised, sold or transferred.

We do not sell your personal data.

9. 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.

10. 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 11).

11. 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.

12. 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.

13. Children

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

14. 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.

15. 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. Multi-user and Administrator Accounts

Some accounts (for example Business package accounts) may have an Administrator and one or more Additional Users. The Administrator controls the account and decides what access each Additional User has, which may include viewing, adding, copying or deleting content, and Additional Users may not have the same rights as the Administrator. You should agree your role and access with the Administrator. If an Administrator closes the account or loses access to it, Additional Users will also lose access to the account and the content within it. If an Additional User breaches these Terms, we may suspend or terminate access for that user and, where necessary, for the account.

5. 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. Payments are billed in pounds sterling (and any other currency we make available) plus any applicable taxes, including VAT. Where you take a recurring subscription, it will renew automatically at the end of each billing period at the then-current price unless you cancel before the renewal date, and we will make the renewal terms clear at checkout. If your payment details are inaccurate or out of date, we may suspend the Service, and we may use card-updater or recurring-billing programmes supported by your card provider to keep your details current so your Service is not interrupted.

6. Free Trials

If we offer a free trial, you will have access to the relevant features for the stated trial period. To keep any content or data created during the trial, you may need to buy a subscription before the trial ends. If you do not, you may lose access to that content when the trial expires.

7. Beta Features

From time to time we may offer new or experimental "beta" features. Beta features are provided "as is," may change or be withdrawn, and may contain errors. Using a beta feature is voluntary and at your own risk, and you may not be able to revert to a previous version or recover data created in it. Any fees for a beta feature will be made clear before you use it.

8. 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.

9. Connected Accounts (Account Syncing and Open Banking)

Some features let you connect an external account so the Service can use information from it, for example connecting a bank or financial account through open banking, or providing login details for another provider so we can retrieve relevant data for you. Where you provide login details, you confirm you are entitled to do so, and you authorise us to access that account only to provide the feature you have enabled and only at your direction. We hold any login details in encrypted form. You can disconnect a connected account at any time. We do not guarantee that any particular external provider will be supported or remain available, and changes made by those providers may affect the feature. Where a connected-account feature involves a regulated account information service, it is provided under the appropriate authorisation or agency arrangement.

10. Referrals to Legal Firms and Partners

With your approval, we may refer your packaged complaint or claim to an external legal firm or other approved partner who may be able to help you progress it (for example as a fully packaged referral). Any such referral is made only with your approval, and your relationship with that firm or partner, including any fees they charge, is solely between you and them. We are not responsible for the services they provide, and a referral is not a recommendation or a guarantee of any outcome.

11. Business and Agent Platform (B2B) and Credits

We may make a business or "white label" platform available to approved business operators ("Agents") under a separate written agreement. Where Agents use credits to provide services to their own clients, the following apply: credits are valid for three months, and any credits unused after three months expire and are not refunded; if an Agent closes their account, unused credits are not reimbursed; where we close an Agent account, any valid (non-expired) credits showing on the account at that time may be reimbursed, subject to these terms; and each credit may be used up to three times for clients before it is consumed. Use of any business or Agent platform is also subject to the separate agreement signed by both parties, which prevails over these Terms for that use. This Section is intended for business users and does not affect the statutory rights of consumers.

12. Acceptable Use and Prohibited Content

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.

You also agree not to upload, post, share or transmit any content that is: unlawful, fraudulent, defamatory, obscene, harassing, hateful, threatening or otherwise objectionable; impersonates another person or misrepresents your identity or qualifications; breaches another person's privacy or rights; constitutes unsolicited or bulk commercial messaging (spam); contains malware or other harmful code; or that you do not have the right to use, including content that infringes someone else's intellectual property. We may suspend or terminate accounts that breach these Terms.

13. Content Monitoring

We are not obliged to monitor content, but we may do so, and we may remove or refuse to post content, or disclose information, where we reasonably consider it necessary to comply with the law, enforce these Terms, or protect the Service, our users or others.

14. Your Content and Third-Party Information

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). If any information you provide relates to another person, you confirm that you have the right to provide it and have given any necessary notice or obtained any necessary consent for us to process it as described in the Privacy Policy. You are responsible for keeping your own copies of your content, as we are not responsible for lost or unrecoverable content.

15. Feedback

If you send us feedback, suggestions or ideas, you agree that we may use them freely, including to improve or develop our products and services, without any obligation to you.

16. 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.

17. Third-Party Products and Services

The Service may offer, link to, or integrate with products and services provided by third parties. Your use of any third-party product or service is at your own risk and is governed by that third party's terms. We are not responsible for third-party products or services and do not endorse them, and you are responsible for any fees they charge.

18. 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.

19. Liability and Indemnity

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.

You agree to indemnify us against reasonable claims, losses and costs (including reasonable legal fees) that arise from your misuse of the Service or your breach of these Terms, to the extent they are caused by you. This does not require you to indemnify us for our own negligence or breach, and it does not affect your statutory rights as a consumer.

20. Complaints

If you have a complaint about the Service, please contact us so we can try to resolve it (see Contact below). If your complaint relates to a regulated account information service and we do not resolve it to your satisfaction, you may be able to refer it to the Financial Ombudsman Service: Exchange Tower, London E14 9SR; 0800 023 4567 or 0300 123 9123; complaint.info@financial-ombudsman.org.uk.

21. 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, liability, indemnity and the general terms below, will continue after termination.

22. 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.

23. General

These Terms, together with the Privacy Policy, Cookies Policy and any product or order terms shown to you, are the entire agreement between you and us for the Service and replace any earlier understandings on the same subject. If any part of these Terms is found to be invalid, the rest will continue to apply. You may not transfer your rights or obligations under these Terms without our written consent. We may transfer ours to an affiliate or to a successor of our business. A person who is not a party to these Terms has no right to enforce them, except where the law provides otherwise.

24. 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.

25. 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. General

These Terms are the entire agreement between you and us for use of the Site. If any part is found to be invalid, the rest will continue to apply. You may not transfer your rights under these Terms without our consent, and we may transfer ours to an affiliate or successor. A person who is not a party to these Terms has no right to enforce them, except where the law provides otherwise.

9. Changes

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

10. Governing Law

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

11. 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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