Terms & Conditions

We have recently updated our Terms and Conditions. Please read and accept these updated terms and conditions in order to access the iMarket Coaching community website.

Terms Last updated: February 25, 2019.

Please read these Terms of Use ("Terms", "Terms of Use") carefully before using the imarketcoaching.com website (the "Service") operated by iMarket, llc ("us", "we", or "our").

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.

Accounts



When you create an account with us, you must provide us information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.

You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password, whether your password is with our Service or a third-party service.

You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

Intellectual Property



The Service and its original content, features, and functionality are and will remain the exclusive property of iMarket, and its licensors.

Links To Other Web Sites



Our Service may contain links to third-party web sites or services that are not owned or controlled by iMarket, llc.

iMarket, llc has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that iMarket, llc shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

Termination



We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Disclaimer



Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.

Governing Law



These Terms shall be governed and construed in accordance with the laws of United States without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.

Changes



We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 15 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

Contact Us



If you have any questions about these Terms, please contact us.

Current Version: 1.0

Previous Version Date: September 27, 2021

Privacy Policy

We recently updated our Privacy Policy. Please read and accept this updated privacy policy in order to access the iMarket Coaching community website.

Privacy Policy Last updated: February 25, 2019.

iMarket, llc ("us", "we", or "our") operates the imarketcoaching.com website (the "Service").

This page informs you of our policies regarding the collection, use and disclosure of Personal Information when you use our Service.

We will not use or share your information with anyone except as described in this Privacy Policy.

We use your Personal Information for providing and improving the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible at imarketcoaching.com.

Information Collection And Use


While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information ("Personal Information") may include, but is not limited to:
  • Name
  • Email address
  • Telephone number
  • Address

Log Data


We collect information that your browser sends whenever you visit our Service ("Log Data"). This Log Data may include information such as your computer's Internet Protocol ("IP") address, browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages and other statistics.

Google AdSense & DoubleClick Cookie


Google, as a third party vendor, uses cookies to serve ads on our Service.

Cookies


Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer's hard drive.

We use "cookies" to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Service Providers


We may employ third party companies and individuals to facilitate our Service, to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.

These third parties have access to your Personal Information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Security


The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

Links To Other Sites


Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over, and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Children's Privacy


Our Service does not address anyone under the age of 18 ("Children").

We do not knowingly collect personally identifiable information from children under 18. If you are a parent or guardian and you are aware that your child has provided us with Personal Information, please contact us. If we discover that a child under 18 has provided us with Personal Information, we will delete such information from our servers immediately.

Compliance With Laws


We will disclose your Personal Information where required to do so by law or subpoena.

Changes To This Privacy Policy


We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us


If you have any questions about this Privacy Policy, please contact us.

Current Version: 1.0

Previous Version Date: May 22, 2018

Adive Every College Student Should Know: Loans

Know all of your loan’s details. This will help you with your balance and repayment status. These things matter when it comes to loan forgiveness and repayment. This will allow you to budget effectively.

TIP! Always figure out what the details of the loans you have out are. You must watch your loan balances, check your repayment statuses, and know your lenders.

Student loans have become a very important of the college process. Learning about student debt is the key to ensuring that it does not end up overwhelming you do not wind up in serious trouble after you graduate.Continue on and learn about student loans.

Remain in contact with your lender. Always let them know anytime your personal information changes, because this happens quite a bit when you’re in college. When your lender send you information, either through snail mail or e mail, read it that day. Make sure you take action whenever it is needed. Missing anything could make you owe a lot more money.

TIP! Maintain contact with your lender. When you make changes to your address or phone number, make sure you let them know.

Don’t worry if you to miss payments on your student loan due to a job loss or another unfortunate circumstance. Most lenders can work with you if you lose your current hardship.Just be aware that doing this may raise interest rates to rise.

There are two steps to approach the process of paying off student loans you have taken out. Start by making the minimum payments of each loan. Second, make extra payments on the loan whose interest rate is highest, not the loan that has the largest balance. That will save you money.

TIP! Implement a two-step system to repay the student loans. First, ensure you meet the minimum monthly payments on each separate loan.

Don’t discount using private financing for your college years. There is quite a demand for this as public student loans even if they are widely available. Explore the options within your community.

If you are thinking about paying off any of your student loans ahead of schedule, you should focus on the ones that have the highest interest. If you focus on balances instead, you might neglect how much interest you accrue over time, still costing you money.

TIP! If you can pay off any loans before they are due, pay off the ones with the highest interest first. If you think you will be better off paying the one with the highest monthly payments first, you may be wrong.

Use a two-step process to pay off your student loans paid off. Begin by figuring out how much money you can pay the minimum payments on each of your loans. Second, you will want to pay a little extra on the loan that has the higher interest rate, not the loan that has the largest balance. This will reduce your spending in the amount of money you spend over time.

Know how much time you have in your grace period from the time you leave school until you must begin paying back your loans. For Stafford loans, it should give you about six months. Perkins loans have a nine month grace period. Other types of student loans can vary. Know when you are expected to pay them back, and make your payments on time!

Focus on the high interest loans.If you pay off the wrong loans first, there is a chance that you will end up owing more money in the end.

Pick out a payment option that you know will suit the needs you have. The majority of loan products specify a repayment period of ten years. If this isn’t right for you, you may be eligible for different options. For example, you might take a long time to pay but then you’ll have to pay a lot more in interest. You can also do income-based payments after you start earning money. Sometimes student loans are written off after an extended period of time.

TIP! Select the payment choice that is best for you. Most loans have a 10-year repayment plan.

Stafford loans provide a period of six month grace period. Other kinds of student loans may have other grace periods. Know when you will have to pay them back and pay them on your loan.

Reduce the principal when you pay off the biggest loans first. You won’t have to pay as much interest if you lower the principal amount. Set your target on paying down the highest balance loans first. Once it is gone, you can focus on smaller loans. By making minimum payments on all of your loans and the largest payment possible on your largest loan, you will systematically eliminate your student loan debt.

TIP! Reduce the principal when you pay off the biggest loans first. It should always be a top priority to prevent the accrual of additional interest charges.

Choose the payment option that you will be able to pay off. Many loans offer a 10-year plan for repayment. There are other choices available if you need a different solution. You might get more time with a greater interest rate. You also possibly have the option of paying a certain percentage of your post-graduation income. Some balances on student loans get forgiven about 25 years have passed.

Many people get student loans without reading the fine print. Asking questions and understanding the loan is essential. It is simple to receive more cash than they were meant to.

TIP! Be sure to read and understand the terms of any student loans you are considering. Asking questions and understanding the loan is essential.

Prioritize your repayment schedule by interest rate of each one. The highest APR should be paid first. Using any extra cash available can help pay off student loans more rapidly is a smart choice. There is no penalties for paying off a loan more quickly than warranted by the lender.

Parents and graduate students can make use of PLUS loans. The interest rate is no greater than 8.5%. It’s higher than public loans, but lower than most private options. Therefore, it should be something to consider.

TIP! PLUS loans are something that you should consider if graduate school is being funded. The interest isn’t more than 8.

Many people apply for their student loans and sign paperwork without really understanding what they are getting into. This is an easy way a lender may collect more money than they should.

Keep in mind that the school may have reasons of its own for suggesting you use certain lenders. In some cases, a school may let a lender use the school’s name for a variety of reasons. This may be deceiving. The school can get a portion of this payment. Understand the terms of the loan before you sign the papers.

TIP! Why would your school recommend a certain lender to you? There are institutions that actually allow the use of their name by specific lenders. This may be deceiving.

Fill out each application completely and accurately for student loans with great accuracy to facilitate quick processing. Incorrect and incomplete loan information can result in having to delay your education.

Do not consider the idea that a default on your student loan will give you freedom from your debt. The government will often still get its money back anyway. They can take this out of your taxes at the end of the year. They can also claim up to fifteen percent of your income that is disposable. This will put you in a very bad position.

Interest Rate

Be careful when it comes to private student loans. Understanding every bit of these loans is difficult. Frequently, you are not aware of them until after executing the loan. Once that happens, you may find it difficult to get out of the agreement. Learn about them in detail before selecting one. If a good offer comes your way, ask other loan providers if they can match or beat it.

TIP! Don’t rush into taking a private student loan. These have many terms that are subject to change.

Stafford and Perkins are two of the best loan options.These two are both safe and safety. This is a great deal that you are in school your interest will be paid by the government. The Perkins loan has an interest rate of five percent rate. Subsidized Stafford Loans will have an interest rate of no higher than 6.8 percent.

You do not want student loans to be your sole source of income during you educational years. Save your money up in advance and do not forget to apply for scholarships. There are several great websites that offer information about available grants and scholarships. Start right away to get the entire process going and leave yourself enough time to prepare.

TIP! Don’t finance your whole college education by using student loans. Make sure you save money for your education and research grants and scholarships to help.

If you get a student loan that’s privately funded and you don’t have good credit, you’ll most likely need to use a co-signer. You should be sure to stay on top of your payments. If you get yourself into trouble, the co-signer will be responsible for the payments.

To stretch out your student loan money, try buying meal plans instead of meals via dollar amounts. Rather than paying for costly meals each time you sit down to eat, you pay one flat fee that covers everything.

Certain Lenders

Read and understand your student loan’s contract concerning how the loan is paid back. Some loans give you grace periods or can be put into forbearance, and there are other options depending on your circumstance. Know what your terms set out. Obtain this information prior to signing any documents.

TIP! Make sure you fully understand the payback’s terms. Some loans will give you additional time to pay them back.

Keep in mind that your school may have other motivations when they recommend certain lenders. There are institutions that actually allow certain lenders to utilize the use of their name by specific lenders. This may not be in your best deal.The school might actually get an incentive if you use a particular lender. Make sure you grasp the subtleties of a particular loan prior to accepting it.

Check out all options to ensure you pay on time. Making timely payments is critical in preserving your credit score and preventing the possibility of garnished wages. If making multiple monthly payments is hard for you, consolidation could be an option.

TIP! Check out all the options available to your for paying for your student loans. It’s critical that you make all payments in a timely manner in order to keep your credit rating good and prevent wage garnishment.

It is very important that student understands that before he or she sign up for a loan they understand all the financial pitfalls that can occur. The best thing to do to keep yourself in a good financial position is to study this subject all you can. This article may prove to be an asset to you.

To get the best return on your student loans, take some classes online in addition to your brick-and-mortar classes. This allows you to add some hours to your full-time load and schedule the assignments around your other classes and your job schedule. That way, you can get the most possible hours in each semester.

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