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: May 26, 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

College Adivce: What You Should Know About Student Loans

Find out when you must begin repayments. This usually refers to the amount of time you are allowed after you graduate to pay back the loan. Having this knowledge of when your payments are scheduled to begin will avoid incurring any penalties.

Most people know someone who has found themselves in debt because of student debt. This article has the tips you feel more comfortable with student loans.

Communicate often with the lender. Notify them if there are any changes to your address, phone number, or email as often happens during and after college. Do not put off reading mail that arrives from the lender, either. Make sure that you take all actions quickly. Neglecting something may cost you a fortune.

TIP! Communicate often with the lender. Make sure they know your current address and phone number.

Always know all the pertinent details of your loans. You need to watch what your balance is, know who you owe, and what the repayment status currently is with loans. These facts will determine your repayment and forgiveness options. This is must-have information if you are to budget effectively.

It is acceptable to miss a loan payment if serious extenuating circumstances have occurred, like loss of a job. When hardship hits, many lenders will take this into consideration and give you some leeway. Just keep in mind that doing this might cause the lender to raise the interest rate on your loan.

TIP! It is acceptable to miss a loan payment if serious extenuating circumstances have occurred, like loss of a job. The lenders can postpone, and even modify, your payment arrangements if you prove hardship circumstances.

Pay off all your student loans using a 2-step process. Begin by ensuring you can pay the minimum payments on these student loans. Second, make extra payments on the loan whose interest rate is highest, not the one with the highest balance. This will reduce your spending in the amount of money you spend over time.

Don’t discount using private financing to help pay for college. Though federal loans are common, competition in the market does exist. A private student loan has less competition due to many people being unaware that they exist. Look around for these kinds of loans, and you may be able to cover part of your schooling.

TIP! Attend to your private college financing in a timely manner. While public student loans are widely available, there is much demand and competition for them.

Focus on paying off student loans with high interest loans. If you solely base your repayment by which ones have a lower or higher balance, there’s a chance you’ll be owing more at the end.

If you can pay off any loans before they are due, pay off the ones with the highest interest first. You definitely want to pay down the ones with the highest interest rate, because taking care of the lower ones could cause you to end up paying more money.

TIP! If you wish to repay student loans in advance, deal with the ones with the highest interest rates first. If you think you will be better off paying the one with the highest monthly payments first, you may be wrong.

Stafford loans provide a period of six months. Other types of student loans’ grace periods vary. Know when you will have to pay them back and pay them on your loan.

Select a payment option that works best for your situation. Many of these loans have 10-year repayment plans. If this isn’t possible, then look around for additional options. You may need to extend the time you have to repay the loan. This often comes with an increase in interest. Think about what you “should” be making in the future and carefully go over everything with a trusted adviser. The balances on student loans usually are forgiven once 25 years have elapsed.

Payment Plan

Lower your principal amounts by repaying high interest loans first. You will reduce the amount of interest that you owe. Focus on paying off big loans first. After you’ve paid your largest loan off in full, take the money that was previously needed for that payment and use it to pay off other loans that are next in line. Pay off the minimums on small loans and a large amount on the big ones.

TIP! You should try to pay off the largest loans first. When you owe less principal, it means that your interest amount owed will be less, too.

Select a payment plan that works well for your needs. Many of these loans allow for a 10 year payment plan. There are many other choices available if this is not preferable for you.You might get more time with higher interest rate. You might also be able to pay a certain part of your income once you get some work. Some loans offer loan forgiveness after a period of 25 years has elapsed.

To make the most of a loan, take the top amount of credits that you can. Though full-time student status requires 9-12 hours only, if you are able to take 15 or more, you will be able to finish your program faster. This helps you reduce the amount you need to borrow.

TIP! Take a large amount of credit hours to maximize your loan. Generally, being a full-time student is seen as 9 to 12 hours per semester, but if you can squeeze in between 15 or 18, then you should be able to graduate sooner.

Pick a payment plan that suits your requirements. Many student loans offer a ten year length of time for repayment. There are other options if this is not right for you.For example, you could extend the amount of time you have to pay, your interest will be higher. You can also make payments based on your income. Certain types of student loan balances just get simply forgiven after a quarter century has gone by.

Some people sign the paperwork for a student loan without clearly understanding everything involved. Don’t do this! Always understand what you are signing. If you must, ask questions to make sure you understand everything completely. It is simple to receive more cash than they were meant to.

TIP! Lots of folks enter into student loans without having the foggiest idea of what they are signing on for. It is essential that you question anything you do not clearly understand.

Pay off your loans in terms of interest rates.The loan with the largest interest rate needs paid down fastest and first. Using any extra money you have can help pay off quicker later on. There is no penalty for early payments.

If you want your application for a student loan to be processed quickly, ensure that the forms are filled out completely and accurately. Your application may be delayed or even denied if you give incorrect or incomplete information.

TIP! Your student loan application must be filled out correctly in order to be processed as soon as possible. Giving incomplete or incorrect information can delay its processing.

Get many credits each semester. Full-time is considered 9 to 12 hours per semester, so getting between 15 and 18 can help you graduate sooner.This lets you keep to aminimum the loan amounts you need.

Parents and graduate students can make use of PLUS loans. The interest rate on these loans will never exceed 8.5% It’s higher than public loans, but lower than most private options. This means that this is a suitable choice for students who are a bit older and better established.

Be sure to fill your loan application correctly. Incorrect or incomplete information can result in having to delay your education.

Some schools have reasons that they may try to motivate you to go toward one particular lender to get a student loan. Some schools let private lenders use their name. This can be very misleading. The school could benefit if you go with particular lenders. Make sure that you are aware of all the stipulations involved in a loan prior to taking it.

TIP! Some schools have reasons that they may try to motivate you to go toward one particular lender to get a student loan. There are schools that allow certain lenders to utilize the school’s name.

If your credit is abysmal and you’re applying for a student loan, chances are that you’ll need a co-signer. It is critical that you stay current on your payments. If you get yourself into trouble, then whoever co-signed your debt will be held liable.

Get rid of thinking that defaulting on a loan means freedom. The Federal government will be able to recover the money through multiple options. For example, it can step in and claim a portion of your tax return or Social Security payments. They can also claim up to fifteen percent of your income that is disposable. Therefore, defaulting is not a good solution.

TIP! Do not consider the idea that a default on your student loan will give you freedom from your debt. The government has multiples ways to collect on debt.

Some schools get a student loans. There are schools that actually allow certain lenders to utilize the school’s name. This is frequently not be in your best deal. The school may receive some sort of payment if you agree to go with a particular lender. Make sure to understand all the subtleties of a particular loan prior to accepting it.

Be wary of private student loans. The terms of such loans can be difficult to ascertain. Frequently, you are not aware of them until after executing the loan. After that happens, it might prove quite difficult to free yourself from it. Make sure you get the information you really need. If you receive a good offer, go to other lenders and see if they’ll beat that offer.

TIP! Take great care when it comes to taking out private loans. Terms are usually unclear in these loans.

Be wary of private loans. It can be hard to find the terms. You may not even know them until you’ve signed the document. Get all the information as you can.

When you apply for financial aid, make sure your application is error free. If you do not fill it out correctly, you may not get as much money from the school. If you are confused about the form, consult with a counselor at your high school.

Get a meal plan at school to make the long run. This will prevent getting charged for extra dining money since it’s just a flat fee for every meal.

To make sure that your student loan dollars go as far as possible, buy a meal plan that goes by the meal rather than the dollar amount. Rather than paying for costly meals each time you sit down to eat, you pay one flat fee that covers everything.

Student Loans

Figure out what you have as repayment options. If you are worried about making ends meet after you leave school, consider asking for graduated payments. This makes it so that your early payments are smaller and will gradually increase as your earning potential rises.

TIP! Understand your repayment options at all times. If you think you’ll struggle to afford school after graduating, try applying for graduated payments.

For many young graduates, student loan debt has had an extremely limiting influence on their first years in the working world. That is why you must know the best way to take out student loans. If you use the information you were given here, you can get things taken care of when it comes to dealing with your student loans.

To reduce the student loan debt you’re incurring, try taking dual credit classes and Advanced Placement classes in high school. You take these in high school, and if you do well on a test, you will get credit for college. This reduces the number of hours you will have to take when you get to your chosen university.

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