1. Agreement to These Terms
These Terms of Service (the "Terms") govern your access to and use of thebankingclub.com and our related subdomains and funnel pages (including start.thebankingclub.com and link.thebankingclub.com), our content, and the services we make available through them (collectively, the "Website"). The Website is owned and operated by Wall Street Studios LLC, owner of The Banking Club brand ("The Banking Club," "we," "us," or "our").
By accessing or using the Website, booking a call, or submitting information through our forms, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Website.
2. Eligibility
The Website is intended for individuals who are at least 18 years old. Our placement programs are designed for experienced professionals who are authorized to work in the United States. By using the Website, you represent that you meet these requirements and that all information you submit - including about your background, compensation, and U.S. work authorization - is accurate.
3. What the Website Is (and Is Not)
The Website provides information about The Banking Club, free educational content, and the ability to book a Fit Assessment call with our team.
Enrollment in our paid programs (including the Insider Program) happens only through a separate, signed Client Services Agreement. If you enroll, that agreement - not these Terms - governs the program, including its scope, deliverables, payment terms, refunds, and the 10-Interview Guarantee. If these Terms conflict with a signed Client Services Agreement, the Client Services Agreement controls.
4. Marketing Statements, Statistics, and the Guarantee
Statements on the Website about placements, outcomes, compensation figures, timelines, and ratings reflect the historical results of past clients and our experience. They are illustrative, not promises. Individual results vary and depend on factors outside anyone's control, including the job market and your own participation.
References on the Website to a "10-Interview Guarantee" are a summary only. The guarantee exists solely as a contractual term of the Client Services Agreement, is subject to the definitions, conditions, and remedies stated there, and is available only to enrolled clients. Nothing on the Website guarantees employment, interviews, offers, or any particular salary or timeline.
5. Results and Earnings Disclaimer
The Website describes a professional service, not an income opportunity. Compensation figures shown on the Website (such as average placement salaries or percentage increases) are the historical results of specific clients - they are not projections, and there is no assurance you will achieve similar numbers. Your results depend on your background, effort, interview performance, market conditions, and many variables outside our control.
YOU ARE SOLELY RESPONSIBLE FOR YOUR OWN CAREER DECISIONS AND OUTCOMES. TO THE FULLEST EXTENT PERMITTED BY LAW, WE ARE NOT LIABLE FOR DECISIONS YOU MAKE IN RELIANCE ON CONTENT FROM THE WEBSITE.
6. Booking Calls; Recordings
When you book a call, you agree to provide accurate contact details and to attend at the scheduled time or reschedule in advance. Calls are free of charge, carry no obligation, and may be conducted by phone or video conference. Calls may be recorded and transcribed for quality, training, and record-keeping purposes, as described in our Privacy Policy. We may decline or cancel bookings at our discretion (for example, where qualification requirements are not met).
7. Accounts and Member Access
Parts of our Services - such as the resource library, client portal, or alumni community - may require login credentials. Credentials are personal to you: keep them confidential, do not share or transfer them, and do not allow anyone else to access the Services through your account. Access to paid or client-only areas is a personal, non-transferable license and may not be resold, sublicensed, or shared; we may suspend or revoke access (without refund) if it is. You are responsible for all activity under your account and must promptly notify us at team@thebankingclub.com of any unauthorized use.
8. Communications Consent
By submitting your phone number or email address through the Website, you consent to receive communications from us - including appointment confirmations and reminders, follow-up messages, and marketing - by email, phone, text message (SMS), and WhatsApp, including messages sent using automated systems. Consent to marketing messages is not a condition of purchasing any service. Message and data rates may apply, and message frequency varies. You can opt out at any time: reply STOP to any text, use the unsubscribe link in any marketing email, or email team@thebankingclub.com. See our Privacy Policy for details.
9. Payments, Refunds, and Billing Disputes
Program fees, payment schedules, cancellation rights, and refunds are stated in the Client Services Agreement you sign at enrollment. As provided there, enrollments may be cancelled for a full refund within three (3) days of signing by emailing team@thebankingclub.com; after that window, payments are non-refundable because we incur real build and labor costs immediately.
You agree to contact us at team@thebankingclub.com and give us a reasonable opportunity to resolve any billing concern before initiating a chargeback or payment dispute. Amounts owed under a signed agreement remain owed notwithstanding any chargeback.
10. No Professional Advice
Content on the Website - including guides, templates, videos, and resources - is general career and educational information. It is not legal, financial, tax, immigration, or investment advice, and it is not a substitute for advice from a licensed professional who knows your situation. We are a private career-services company: we are not a staffing agency or employer, we do not speak for any employer, and we have no authority to extend offers on any employer's behalf.
11. Testimonials, Reviews, and Third-Party Names
Testimonials and case studies on the Website are from real clients and reflect their individual experiences. They are not a promise that you will achieve similar results. Reviews shown from third-party platforms (such as Google) are presented as received.
Employer names and logos shown on the Website (for example, banks and investment firms where clients have been placed or previously worked) are trademarks of their respective owners and indicate placement and employment history only. The Banking Club is not affiliated with, endorsed by, or partnered with any of these institutions.
12. Intellectual Property
The Website and everything on it - including our name, logos, copy, videos, curriculum, templates, frameworks, tools, and resource library - belong to Wall Street Studios LLC or its licensors. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to access the Website and use our free materials for your own personal, non-commercial job search.
You may not copy, republish, resell, distribute, create derivative works from, or commercially exploit our materials, use them to provide services to others (including coaching or placement services), or remove any proprietary notices, without our prior written consent. Program materials provided to enrolled clients are additionally governed by the confidentiality and ownership terms of the Client Services Agreement.
13. Acceptable Use
You agree not to:
- Use the Website for any unlawful purpose or in violation of these Terms.
- Submit false, misleading, or impersonating information through our forms.
- Scrape, crawl, harvest, or extract data from the Website - including by bots or automated tools, and including for training machine-learning or AI models - without our written permission.
- Probe, disrupt, overload, or interfere with the Website, its security features, or its infrastructure.
- Reverse engineer the Website or attempt to access non-public areas or systems.
- Use our forms or booking calendar to spam, to test stolen payment or identity data, or to book appointments you do not intend to attend.
- Infringe anyone's intellectual property, privacy, or publicity rights in anything you submit.
We may investigate violations and suspend or terminate access at our discretion.
14. Your Submissions
If you submit reviews, testimonials, feedback, comments, or other content to us (other than your private client materials), you grant us a worldwide, royalty-free, non-exclusive license to use, reproduce, adapt, and display that content in connection with operating and promoting our business. Consistent with our Client Services Agreement, we share client stories and results in our marketing only with prior written consent, which may be withdrawn at any time. You are responsible for what you submit - do not send us anything unlawful, infringing, or confidential to a third party.
15. Copyright Complaints (DMCA)
We respect intellectual property rights. If you believe material on the Website infringes your copyright, send a notice to team@thebankingclub.com including: (a) your contact information; (b) identification of the copyrighted work; (c) the URL or location of the allegedly infringing material; (d) a statement that you have a good-faith belief the use is unauthorized; (e) a statement, under penalty of perjury, that your notice is accurate and that you are the owner or authorized to act for the owner; and (f) your physical or electronic signature. We will respond as provided by the Digital Millennium Copyright Act, including removing infringing material where appropriate and terminating the access of repeat infringers.
16. Third-Party Services and Links
The Website relies on third-party tools (for example, our booking and CRM platform, video conferencing, analytics, advertising, and payment processors) and may link to external sites. Those services have their own terms and privacy policies, which govern your use of them. We are not responsible for third-party services or sites and do not endorse their content.
17. Disclaimer of Warranties
The Website and all content are provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties of any kind, express or implied - including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Website will be uninterrupted, error-free, or secure, or that its content is accurate, complete, or current. You use the Website at your own risk. This section does not limit any express written guarantee in a signed Client Services Agreement.
18. Limitation of Liability
To the fullest extent permitted by law: (a) neither The Banking Club nor its members, managers, employees, contractors, or licensors will be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost opportunities, or loss of data, arising out of or relating to the Website or these Terms, under any legal theory, even if advised of the possibility of such damages; and (b) our total liability arising out of or relating to the Website or these Terms will not exceed the greater of (i) one hundred U.S. dollars ($100) and (ii) the amounts you paid us through the Website in the twelve (12) months before the event giving rise to the claim.
Liability connected to a paid program is governed and capped exclusively by the Client Services Agreement. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.
19. Indemnification
You agree to indemnify and hold harmless Wall Street Studios LLC and its members, managers, employees, contractors, and agents from and against any claims, damages, and expenses (including reasonable attorneys' fees) arising out of your misuse of the Website, your violation of these Terms, or your violation of any law or third-party right.
20. Termination; Changes to the Website
We may suspend or terminate your access to the Website at any time, with or without notice, including for violation of these Terms, and we may change, suspend, retire, or discontinue any part of the Website or its content at any time without notice. You may stop using the Website at any time. Termination of Website access does not by itself affect a signed Client Services Agreement, which ends only according to its own terms. Sections that by their nature should survive termination - including intellectual property, disclaimers, limitations of liability, indemnification, and dispute resolution - survive.
21. Governing Law; Dispute Resolution; Class Action Waiver
These Terms are governed by the laws of the State of New Jersey, without regard to its conflict-of-law rules.
If something goes wrong, contact us first: you and we each agree to try in good faith to resolve any dispute directly, in writing, for thirty (30) days before filing any claim. After that, any dispute arising out of or relating to these Terms or the Website will be brought exclusively in the state or federal courts located in New Jersey, and each party consents to their jurisdiction and venue. The prevailing party may recover its reasonable attorneys' fees and costs.
To the fullest extent permitted by law, you and we each waive (a) any right to a jury trial and (b) any right to participate in a class, collective, or representative action; disputes may be brought only in an individual capacity. Any claim must be filed within one (1) year after it arises or it is permanently barred, to the extent permitted by law.
22. Changes to These Terms
We may update these Terms from time to time. The effective date above shows the latest version. Material changes will be posted on this page, and your continued use of the Website after changes take effect means you accept them. Changes to these Terms do not modify a signed Client Services Agreement.
23. General
These Terms, together with the Privacy Policy and any signed agreement between us, are the entire agreement regarding the Website and supersede all prior website terms. If any provision is found unenforceable, it will be modified to the minimum extent necessary and the rest stays in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our written consent; we may assign them. Neither party is liable for delay or failure caused by events beyond its reasonable control. Electronic communications, agreements, and signatures are valid. Headings are for convenience only.
24. Contact
Wall Street Studios LLC (The Banking Club)
Email: team@thebankingclub.com