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: April 20, 2019

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

Advice To Assist You When Dealing With Student Loans

Keep in mind that there’s a grace period to follow before it’s time to pay a loan back. Usually, there is a time period after you leave school before you must begin paying the loans. Knowing this allows you to make sure your payments are made on time so you can avoid penalties.

Not too many people are able to pay college tuition nowadays without financial aid. A student loan is a great way to help you pay for your education.

Be sure you know all details of all loans. You need to be able to track your balance, know who you owe, and what your repayment status is. These details are imperative to understand while paying back your loan. It will help you budget accordingly.

TIP! Always be mindful of specific loan details. You must pay close attention to how much you owe, what the terms are and the name of your lending institution.

Stay in touch with your lender. Make sure you let them know your current address and phone number.Take whatever actions needed as soon as you can. You may end up spending more money than necessary if you miss anything.

Always keep in touch with all of your lenders. Make sure you let them know if your contact information changes. Do not put off reading mail that arrives from the lender, either. You need to act immediately if a payment is needed or other information is required. If you forget about a piece of mail or put something aside, you could be out a bunch of money.

TIP! Make sure you are in regular contact with the lender. Always let them know anytime your personal information changes, because this happens quite a bit when you’re in college.

Don’t discount using private loans for college. 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 have trouble repaying your loan, try and keep a clear head. Many people have issues crop up unexpectedly, such as losing a job or a health problem. Make sure you are aware of the specific terms that apply to such circumstances, such as deferments or forbearance, which are part of most loan programs. Keep in mind that interest often continues accruing, so do your best to at least make interest payments to keep from having a larger balance.

Stafford loans offer a period of six month grace period. Other student loans can vary. Know when you are to begin paying on time.

Use a process that’s two steps to get your student loans paid off. First, always make minimum payments each month. Second you should pay whatever you’re making extra to a loan that has a high interest rate, not the one with a higher balance. This will reduce your spending in the future.

TIP! Paying down your student loans should be done using a two-step payoff method. First, ensure you make all minimum monthly payments.

Select a payment option that works for you. Many loans offer a ten year payment plan. There are many other choices available if you need a different solution. You might be able to extend the plan with higher interest rates. You may also possibly have the option of paying a set percentage of your future earnings. Some balances on student loans are forgiven about 25 years later.

Anyone on a budget may struggle with a loan. A rewards program may help things. Check out programs from Upromise such as SmarterBucks and LoanLink. These work like cash back programs, and the money you spend earns rewards that can be applied toward your loan.

Student Loans

Fill out your paperwork the best that you can. If you give information that is incomplete or incorrect, it can delay the processing, which means that you could end up unable to begin a semester, putting you half a year behind.

TIP! If you wish to get your student loan papers read quickly, be sure that your application is filled out without errors. If you give information that is incomplete or incorrect, it can delay the processing, which means that you could end up unable to begin a semester, putting you half a year behind.

Choose a payment option that is best suited to your needs. Many student loans will offer a 10 year payment plans. There are other ways to go if this doesn’t work. For example, you may be able to take longer to pay; however, however you will probably have a higher interest rate. You may also be able to pay a percentage of your income once you begin making money. The balance of some student loans is forgiven after 25 years have elapsed.

Perkins and Stafford are some of the best federal student loans. They are the safest and most economical. This is a good deal because while you are in school your interest will be paid by the government. The Perkins loan carries an interest rate of 5%. On the subsidized Stafford loan, it’s fixed at no higher than 6.8%.

TIP! The Stafford and Perkins loans are good federal loans. They are the safest and most economical.

Pay off the largest loan to reduce your total debt. Focus on the big loans off first. Once a large loan has been paid off, you can transfer the next payments to the ones that are next in line. When you apply the biggest payment to your biggest loan and make minimum payments on the other small loans, you’ll find that it is much easier to eliminate your debt.

Rid your mind of any thought that defaulting on a student loan is going to wipe the debt away. There are many tools in the federal government’s arsenal for getting the funds back from you. For instance, it can claim portions of Social Security or tax return payments. In addition, they can garnish your wages and take a significant portion of your take home pay. In a lot of cases, you’ll be in a worse place than you already were.

TIP! Defaulting on your loans is not an easy way out. There are many tools in the federal government’s arsenal for getting the funds back from you.

Many people will apply for student loans and sign paperwork without reading what they are signing. This is a simple way that lenders use to get more money than they are entitled to.

Private student loans should be considered carefully before you sign. Terms are usually unclear in these loans. Often, you don’t know until you have already signed on the dotted line. Then, you may not be able to do much about the situation. Find out as much as you can about them. If you receive any individual great offer, use it to see if other lenders might compete with it.

TIP! Private student loans are very volatile. These have many terms that are subject to change.

PLUS student loans are something that you should consider if graduate students. They have a maximum interest rate of no more than 8.5%. This is a bit higher than Perkins and Stafford loans, but less than privatized loans. This loan option is better for more established and mature students.

Do not rely on student loans in order to fund your entire education. Remember to save money and also look into scholarships and grants that may help you. You can use a variety of websites that will tell you what scholarships or grants you’re eligible to receive. Start your search early so you’re best prepared.

TIP! Make sure that you try to get scholarships when you go to college. You should do what you can to earn extra money, and you should also look to see what school grants or scholarships you may be eligible for.

Don’t buy into the notion that you won’t have to pay your debt back. The government will be able to recover the money back anyway. They can take your taxes at the end of the year. It could also claim 15 percent of your wages. You could end up worse off than before in some cases.

When you are filling out your financial aid application, make sure that you are positive there are no errors on it. Errors on your application can alter the amount you are loaned. Ask someone for help if you are uncertain.

TIP! Be sure to double check all forms that you fill out. This is important because it may affect the amount of the student loan you are offered.

Be leery of applying for private student loans. It isn’t easy to know what the terms are exactly. You may find out after signing the document. Get all the information as you can.

Stay in contact with your lender. This is key because you need to have all the particulars with regard to the loan and the terms regarding its repayment. The lender could also teach you some things about how you’re going to repay your debt.

TIP! Keep the communication lines open with your student loan lender. You can learn about changes or issues that way.

Never rely solely on student loans in order to pay for your schooling. Save money up in advance and do not forget to apply for scholarships. There are a lot of great websites that help you with scholarships so you can get good grants and scholarships. Make sure you start the search process early.

To augment the income from your student loan, make sure that you also find a job on campus. This can help you offset your education expenses besides a loan. You also get to earn some extra money.

TIP! Look for a job that will bring in some secondary income. In this way, you will be able to offset certain expenses in ways besides loans, and you will be able to enjoy a bit of spending money as well.

Stay in contact with the bank who loaned you money. This is important as you will want to know all of the information on your loan including what is stipulated by your repayment plan. Your lender may also be able to provide you tips to repay your loan more effectively.

Rack up as many AP and dual credit classes that you can during your high school time to cut down on how much you need to borrow for college. These will count toward high school. If you test well enough, you will also obtain college credit.

TIP! To minimize the amount of student debt you incur, take as many Advanced Placement and dual credit courses as you can while you are in high school. Your grades in dual credit courses and your Advanced Placement test results can eliminate the need for many of your college classes, leaving you many fewer hours to pay for.

Understand what options available to you for repayment. If you believe finances will be tight after graduation, consider asking for graduated payments. This way your early payments are smaller and will gradually increase as your earning potential rises.

Exhaust all options for paying back the loans that you take. It’s essential that you pay on time to prevent garnished wages and save your credit rating. Consider loan consolidation if you are having difficulty paying back your loans.

TIP! Be sure you know exactly how you plan to repay your student loans, and follow your plan diligently. Make sure you pay your loan on time so you don’t have any issues.

While they can assist you during college, loans must be repaid one you have graduated or quit going to school. You will need to pay off these debts though. Using the advice in this article will help you fund your college education without going too deep into debt.

While you are in high school, take AP classes whenever possible to decrease the amount of money you must borrow for college. At the end of the course, your competency in the subject will be tested. If you pass the test, you will be rewarded with college credits.

February 12, 2019
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