Terms & Conditions

1.1 These Terms and Conditions (“Terms”) govern your access to and use of Sullivan, https://sullivan.finance, and our related products and services, including Sullivan Terminal and Job Tracker (the “Service”).

1.2 The Service is operated by Chatham Capital Ltd, trading as Sullivan (“we”, “us”, “our”, or “Sullivan”).

1.3 By creating an account, accessing, or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not use the Service.

1.4 Your use of the Service is at your own risk and subject to the limitations and disclaimers in these Terms.

2.1 Sullivan is an online subscription platform for investment banking and finance interview preparation, including AI interview practice, feedback, analytics, market and firm information, job listings, and related tools.

2.2 The Service is provided for educational and interview-preparation purposes only. It does not provide financial, investment, legal, career or employment advice, and we do not guarantee the accuracy of AI output, market data, job listings, third-party information, interview results or employment outcomes.

2.3 To the fullest extent permitted by law, you irrevocably waive, release and forever discharge the Sullivan Parties from all claims, demands, actions, losses, liabilities, damages, costs and expenses, whether known or unknown, arising out of or relating to your use of, access to, inability to use, or reliance on the Service, Content, AI output, prompts, scores, feedback, analytics, recordings, transcripts, market data, job listings, third-party information or any decision or action you take in connection with the Service. Nothing in these Terms limits rights that cannot lawfully be excluded.

2.4 Voice, audio, text and AI interview features may involve recording, transcription, analysis, storage, hosting, transmission and processing of your responses and related interaction data by Sullivan and third-party providers, as described in our Privacy Policy.

2.5 To the fullest extent permitted by law, you waive, release and forever discharge the Sullivan Parties from all claims arising out of or relating to the recording, transcription, analysis, storage, hosting, transmission, processing, review, use, loss, unavailability, inaccuracy or disclosure of your responses or related interaction data, including where performed by third-party providers, except for data protection rights that cannot lawfully be waived.

3.1 To use the Service, you must be at least 18 years old (or the age of majority in your jurisdiction, if higher), have legal capacity to enter into a contract, provide accurate account information, and agree to these Terms and our Privacy Policy.

3.2 The Service is for personal, non-commercial use only, unless you have entered into a separate written partnership agreement with us.

3.3 Each person may hold only one Account. Accounts are non-transferable.

3.4 The Service is operated from the United Kingdom and is not specifically targeted at users in the EU/EEA. If you access the Service from outside the United Kingdom, you do so on your own initiative and are responsible for ensuring that use is lawful in your location. We may restrict access where legally, technically or operationally necessary.

3.5 Prices are shown in pounds sterling (£ GBP) unless stated otherwise.

3.6 Nothing in these Terms excludes or restricts any mandatory rights or protections that apply to you under the laws of your country of residence and that cannot lawfully be excluded or restricted by contract.

4.1 You are responsible for providing accurate account information, keeping your login credentials confidential, and all activity under your Account.

4.2 You must notify us promptly at support@sullivan.finance if you become aware of unauthorised Account use or a security issue.

4.3 Sullivan reserves the right to suspend or terminate any Account that we reasonably believe has been compromised or is being used in breach of these Terms.

5.1 Plans, features, limits, prices, free trials, promotions and billing intervals are displayed on the Website or at checkout and may change from time to time. Where a paid trial or subscription renews automatically, we will disclose the applicable price, billing period and cancellation terms before purchase.

5.2 Payments are processed by Stripe or another payment provider. By providing payment details, you authorise applicable charges for your selected plan, subscription, trial, renewal, promotion or purchase.

5.3 Subscriptions renew automatically unless cancelled before renewal. One-time purchases provide access for the stated period and do not automatically renew unless expressly stated.

5.4 You may cancel a monthly subscription at any time. Unless your Account is deleted or terminated for breach, access continues until the end of the current billing period. Account deletion takes effect immediately and may cancel active access.

5.5 Except where required by law or expressly stated at checkout, payments are non-refundable, including for partial billing periods and one-time purchases once access has begun. This does not affect your statutory rights.

6.1 You must use the Service lawfully, only for personal non-commercial interview preparation unless we agree otherwise in writing, keep your Account secure, provide accurate information, not misrepresent any affiliation with any bank, firm or employer, and not treat any Service content as financial, investment, legal or career advice.

7.1 You must not:

• (a) share, sell, lease, license, transfer, disclose or permit access to your Account, password, credentials or subscription;
• (b) steal, scrape, crawl, index, harvest, mine, copy, cache, download, bulk extract, compile, store, reproduce, redistribute, disclose, publish, sell, license or otherwise exploit any Service content, data, questions, prompts, outputs, feedback, scoring logic, job listings, market information, firm information, interview materials or other materials;
• (c) store, copy, compile, share, resell, distribute, publish, upload, make available or create a database of any Sullivan questions, prompts, assessments, interview materials, feedback, scoring outputs or proprietary content;
• (d) use any Service content, data, questions, prompts, outputs, design, workflow, feature, functionality, scoring method, user experience, process, model behaviour or proprietary information to build, train, benchmark, evaluate, improve, market, operate or support any competing, similar or substitute product, service, model, platform, tool, database or business;
• (e) reverse engineer, decompile, disassemble, inspect, derive source code from, copy, modify, adapt, replicate or create derivative works from the Service or any part of it;
• (f) bypass, disable, interfere with or circumvent access controls, authentication, usage limits, paywalls, subscription tiers, security features, rate limits, technical restrictions or anti-abuse measures;
• (g) upload, submit, transmit or store unlawful, infringing, defamatory, obscene, abusive, discriminatory, misleading, confidential, malicious, harmful or otherwise objectionable content, including viruses, malware, code, scripts or automated tools;
• (h) abuse, misuse, manipulate, probe, test, benchmark, overload, attack, disrupt or interfere with the Service, our systems, third-party systems, AI features, scoring, feedback, recording, transcription or analytics functions;
• (i) attempt to extract, infer, reconstruct, copy, disclose, store, sell or exploit prompts, system instructions, question banks, scoring methods, models, datasets, proprietary logic, non-public features, confidential information or training materials;
• (j) impersonate any person, misrepresent your identity, affiliation, qualifications, institution, employer, target firm or authority, or create false, misleading or fraudulent account information;
• (k) use the Service to generate, submit or support deceptive, dishonest, unlawful, infringing or misleading application, interview, assessment, academic, employment or professional materials;
• (l) upload or process third-party confidential information, employer materials, assessment content, proprietary interview questions or personal data unless you have all rights and permissions required to do so;
• (m) use the Service for commercial, resale, redistribution, publication, training, coaching, outsourcing, competitive intelligence, benchmarking, data enrichment, model training, model evaluation, service bureau or similar purposes without our prior written consent;
• (n) use bots, scripts, automated systems, shared accounts, credential stuffing, denial-of-service methods or other abusive techniques;
• (o) remove, obscure or alter proprietary notices, branding, attributions or legal notices;
• (p) use the Service in breach of any law, regulation, third-party right, platform rule or these Terms; or
• (q) otherwise act in a way that Sullivan considers harmful, abusive, exploitative, fraudulent, unfair, excessive, risky or inconsistent with the intended operation of the Service.

7.2 We may investigate suspected violations and may suspend, restrict, revoke or terminate access immediately, with or without notice, and without refund or liability, where we reasonably believe you have breached these Terms, abused the Service, misused AI features, stolen or misused Sullivan content or data, stored or sold Sullivan questions, attempted to replicate or compete with the Service, created legal, security, operational or reputational risk, or acted in a way that may harm Sullivan, users, third parties or the Service.

7.3 You are solely responsible and liable for your use of the Service, your Account, your conduct, your User Content, your reliance on the Service, and any consequences arising from any of them. To the fullest extent permitted by law, you agree to indemnify, defend and hold harmless the Sullivan Parties from and against all claims, demands, actions, proceedings, losses, liabilities, damages, penalties, fines, costs and expenses, including reasonable legal fees, arising out of or relating to your use of or access to the Service, your Account, User Content, breach of these Terms, prohibited conduct, misuse or abuse of AI features, theft or misuse of Sullivan content or data, storage or sale of Sullivan questions, infringement or misuse of third-party rights, violation of law, reliance on the Service, any decision or action you take based on the Service, or any dispute between you and any third party relating to the Service. This obligation survives termination.

8.1 Sullivan and its licensors own all rights in the Service, including software, branding, content, question banks, analytics, design, data and technology. Third-party data remains owned by its respective owners. Your User Content remains yours.

8.2 Subject to these Terms, we grant you a personal, limited, non-exclusive, non-transferable, revocable licence to use the Service during your active subscription, purchase period or trial.

8.3 By submitting User Content, you grant us a worldwide, royalty-free, sublicensable licence to store, process, use and adapt it to operate, provide, improve and develop the Service, subject to our Privacy Policy and applicable law.

8.4 You may not copy, reproduce, redistribute, resell, publicly display, share, scrape, store, compile, download, extract, publish, disclose, license, sell or commercially exploit the Service or Content, including Sullivan questions, prompts, question banks, interview materials, scoring outputs, feedback, analytics, market data, job listings, proprietary data, design, workflows or functionality, except as permitted by law or expressly authorised by us. You must not use the Service or Content to create, train, test, benchmark, improve, operate, market, fund, advise on, support or replicate any competing, similar or substitute service, product, platform, tool, model, dataset or business.

9.1 The Service is provided “as is” and “as available”. To the fullest extent permitted by law, we exclude all warranties, representations and conditions not expressly stated in these Terms, including as to accuracy, reliability, availability, fitness for purpose and non-infringement.

9.2 We do not guarantee that the Service will be uninterrupted, error-free, secure, accurate or current, or that use of the Service will result in interview success, employment, financial gain or any particular outcome.

9.3 To the fullest extent permitted by law, Sullivan's total aggregate liability arising out of or in connection with the Service or these Terms, whether in contract, tort, negligence, breach of statutory duty, misrepresentation, restitution or otherwise, shall be limited to the greater of: (a) the fees you actually paid to Sullivan for the Service in the 12 months immediately before the event giving rise to the claim; or (b) £100. This cap applies in aggregate to all claims, events, losses, liabilities and causes of action.

9.4 To the fullest extent permitted by law, Sullivan is not liable for any indirect, incidental, special, consequential, exemplary, enhanced or punitive loss or damage, or for loss of profits, revenue, business, contracts, anticipated savings, goodwill, reputation, data, use, opportunity, career outcomes, employment outcomes, interview outcomes, academic outcomes, financial outcomes or third-party relationships, whether arising in contract, tort, negligence, breach of statutory duty, misrepresentation, restitution or otherwise, even if Sullivan has been advised of the possibility of such loss or damage.

9.5 Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any liability that cannot lawfully be excluded or limited.

10.1 You may cancel your subscription or stop using the Service at any time. If you cancel a paid monthly subscription without deleting your Account and are not otherwise in breach, access continues until the end of the then-current billing period.

10.2 We may suspend or terminate access, with or without notice, if you breach these Terms, fail to pay, misuse the Service, create legal/security risk, or where required by law or regulation.

10.3 On termination, your right to access the Service ends immediately unless these Terms or applicable law provide otherwise. Clauses intended to survive, including intellectual property, indemnity, liability, dispute, privacy, waiver and general provisions, will continue to apply.

11.1 These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales.

11.2 The courts of England and Wales shall have exclusive jurisdiction to settle any dispute arising out of or in connection with these Terms, save that where mandatory consumer protection laws of your country of residence provide otherwise, you may bring proceedings in that jurisdiction.

12.1 If a dispute arises, the parties will first try to resolve it in good faith by written notice. If unresolved after 30 days, either party may bring proceedings in accordance with clause 11. Either party may request mediation in England and Wales, but mediation will proceed only by mutual written agreement.

12.2 To the fullest extent permitted by law, disputes must be brought only on an individual basis and not as a class, collective or representative action.

12.3 To the fullest extent permitted by law, any claim relating to the Service or these Terms must be brought within one year after it arises.

13.1 We may update these Terms from time to time and will notify you promptly of material changes by email, through the Service, or by other reasonable means.

13.2 Continued use of the Service after notice of changes constitutes acceptance. If you do not agree, you must stop using the Service and cancel your Account.

14.1 These Terms, together with our Privacy Policy, form the entire agreement between you and Sullivan for the Service. If any provision is invalid or unenforceable, the remaining provisions continue in effect.

14.2 No failure or delay by Sullivan in exercising any right is a waiver. We may assign, transfer or sub-contract our rights and obligations under these Terms; you may not do so without our prior written consent.

14.3 We are not liable for failures, delays, outages, errors or changes caused by circumstances beyond our reasonable control or by third-party websites, services, applications, platforms, infrastructure, APIs, AI systems, recording tools, payment processors, data providers or other third-party systems used in connection with the Service, except where liability cannot lawfully be excluded.

14.4 These Terms do not confer rights on any third party. To the fullest extent permitted by law, you irrevocably, unconditionally and forever waive, release and discharge the Sullivan Parties from all claims, demands, actions, proceedings, losses, liabilities, damages, costs and expenses of every kind, whether known or unknown, suspected or unsuspected, disclosed or undisclosed, arising from or relating to your use of the Service, inability to use the Service, reliance on Content, AI output, prompts, scores, feedback, analytics, third-party information, recordings, transcription, processing, interruptions, outages, errors, data loss, account suspension or termination, payments, subscription changes, feature changes, career or employment outcomes, third-party services, or any other matter connected with the Service. You accept full responsibility and liability for all decisions, actions, omissions, losses, consequences and disputes arising from your use of, or reliance on, the Service. You agree not to seek injunctive, equitable, declaratory or other non-monetary relief that would restrict, prevent or interfere with the operation, modification, suspension or discontinuation of the Service. Nothing in these Terms limits rights or liabilities that cannot lawfully be waived, excluded or limited.

15.1 We process personal data in accordance with our Privacy Policy, which explains what we collect, how we use it, lawful bases, retention, sharing and user rights.

15.2 By using the Service, you voluntarily provide the personal data and User Content required to operate, provide, secure, personalise, support and improve the Service, subject to our Privacy Policy and applicable law.

15.3 Voice, audio, text interview, mock interview, Superday, AI feedback and similar features may involve recording, transcription, analysis, storage and processing of responses and related data as described in our Privacy Policy.

15.4 If you do not provide information, responses or permissions reasonably necessary for the Service, some or all features may not be available.

15.5 Where consent is required for optional processing, such as non-essential cookies, marketing or optional features, it will be requested separately and may be withdrawn as described in our Privacy Policy.

15.6 Nothing in these Terms requires you to waive data protection rights that cannot lawfully be waived.

15.7 Account deletion will result in deletion or anonymisation of personal data associated with your Account, except where retention is required or permitted for legal, tax, accounting, audit, security, fraud prevention, dispute, enforcement, model integrity or legitimate business purposes, as described in our Privacy Policy.

16.1 If you have any questions about these Terms, please contact us at support@sullivan.finance.