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.

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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.

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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.

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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.

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

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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



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Current Version: 1.0

Previous Version Date: August 25, 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:
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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.

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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.

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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.

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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.

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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

Be mindful of any grace period you have prior to having to repay your loan. This is the period of time after your graduation before your payment is due. Having this knowledge of when your payments are scheduled to begin will avoid incurring any penalties.

TIP! Verify the length of the grace specified in the loan. This usually refers to the amount of time you are allowed after you graduate to pay back the loan.

Most people have to borrow money to get student loans in order to pay for their college education.Keep reading to learn what you need to know about the process of thing.

Stay in contact with your lender. Always let them know when you change your phone number, mailing address or email address, and these things can happen often when you are in college. Anytime you receive a phone call, email or paper letter from your lender, pay attention to it as soon as it is received. If the correspondence requests you take an action, do so as soon as you can. If you miss something, it may cost you.

TIP! Stay in communication with all lenders. Make sure they always know your address, phone number and email, all of which can change often during your college experience.

Know what kind of grace period is in effect before you must begin to make payments on the loan. This usually means the period after you graduate where the payments will become due. Knowing this is over will allow you to know when to pay your payments on time so you can avoid penalties.

Do not worry if you are unable to make a student loan payment because you lost your job or some other unfortunate circumstance has occurred. Generally speaking, you will be able to get help from your lender in cases of hardship. If you take this option, you may see your interest rate rise, though.

TIP! Don’t worry if you can’t make a payment on your student loan due to a job loss or another unfortunate circumstance. Generally, your lender will work with you during difficult situations.

Stay in contact with your lending institution. Make sure you let them know your current address and phone number.Take any requested actions needed as soon as possible. Missing anything in your paperwork can end up costing a great deal of money.

Remember private financing. There is not as much competition for this as public loans. Many people do not know about private student loans, so it may be easier to get this type of financing. Explore the options in your community.

TIP! To make paying for college easier, don’t forget to look at private funding. Public student finances are popular, but there are also a lot of others seeking them.

Don’t panic if you have a snag in your loan repayments. Unemployment or health problem can happen to you from time to time. There are forbearance and deferments for most loans. Remember that interest accrues in a variety of ways, so it’s important to at least make the interest portion of your loan payments.

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. You may have the option of deferring your loan for a while. 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.

TIP! Don’t panic if you cannot make your payments on your student loans. Job losses or unanticipated expenses are sure to crop up at least once.

Focus on the high interest loans.If you base your payment on which loans are the lowest or highest, then you might actually end up paying back more in the end.

Focus on paying off student loans with high interest rates. If you focus on balances instead, you might neglect how much interest you accrue over time, still costing you money.

Interest Rate

Make sure that you specify a payment option that applies to your situation. Most student loans have a ten year plan for repayment. If this does not fit your needs, you may be able to find other options. You might be able to extend the payments, but the interest could increase. You may have to pay a certain part of your income after you get some work. Some balances on student loans are forgiven after a period of 25 years.

TIP! Figure out what will work best for your situation. Many loans allow for a 10 year payment plan.

Prioritize your repayment of student loans by interest rate of each one. The loan with the most interest rate should be paid off first. Using additional money you have can get these loans more rapidly is a smart choice. There are no penalties for paying off your loans early.

Choose a payment option based on your circumstances. A lot of student loans give you ten years to pay them back. If you don’t think that is right for you, look into other options. You could extend the payment duration, but you’ll end up paying more. You may also have the option of paying a percentage of income you earn once you start earning it. On occasion, some lenders will forgive loans that have gone unpaid for decades.

TIP! Choose the right payment option for you. 10 years is the default repayment time period.

Reduce the principal when you pay off your largest loans first. Focus on paying the big loans up front. Once a big loan is paid off, transfer the payments to your next large one. If you make minimum payments on your loans while paying as much as possible on the largest loan, your student loan balances will disappear.

Pay off your loans in order of interest rates. You should pay off the loan that has the highest interest first. This extra cash can boost the time it takes to repay your loans. There will be no penalty because you have paid them off quicker.

TIP! When you pay off loans, pay them off from highest to lowest interest rates. Pay off the highest interest student loans first.

The idea of paying off a student loan payments can be somewhat daunting for someone on a tight budget. There are loan reward programs that may benefit you. Look at programs like SmarterBucks and LoanLink to learn about this kind of program offered by Upromise.

To make your student loan money stretch even farther, consider taking more credit hours. Sure a full time status might mean 12 credits, but if you can take 15 or 18 you’ll graduate all the quicker. This lets you minimize the loan amounts you have to accrue.

TIP! Take more credit hours to make the most of your loans. Try to graduate as soon as you possibly can by taking 15 or 18 hours each semester.

Get many credit hours each semester as you can. Full-time status is usually 9-12 hours per semester, take a few more to finish school sooner. This helps you minimize the loan amounts you need to borrow.

Stafford and Perkins are the best loan options. They are cheap and safe. One of the reasons they are so popular is that the government takes care of the interest while students are in school. Interest rate on the Perkins loan is five percent. On subsidized Stafford loans it is fixed at a rate no greater than 6.8%.

TIP! Stafford and Perkins loans are the best federal student loan options. These are very affordable and are safe to get.

Many people will apply for their student loans without reading the fine print. This is an easy way for a lender to get more payments than they are supposed to.

Remember your school could have some motivation for recommending certain lenders to you. Some lenders use the school’s name. This is oftentimes quite misleading to students and parents. A school might get a kickback for you signing up for that lender. Know what the loan terms are before signing on the dotted line.

TIP! Your school could have an ulterior motive for recommending you pursue your loan through particular lenders. Some lenders use the school’s name.

Do not depend entirely on student loans in order to fund your education. Save money up in advance and do not forget to apply for scholarships. There are some good scholarship matching websites that can help you locate just the right grants and scholarships to suit your needs. Be sure you start to search as soon as possible in order to be prepared.

Private student loans are very volatile. Many times, it is difficult to ascertain exactly what the terms are. You may find it difficult to navigate through it all until after you are already stuck. This makes it hard to learn about your options. Try to get every bit of information you can obtain. If you think you want to take on a loan, make sure you “comparison shop” to ensure it is really a good deal.

TIP! Don’t rush into taking a private student loan. The terms of such loans can be difficult to ascertain.

Be sure to fill out. This is critical for your ability to get less of a student loan that is available to you. Ask someone for help if you need it.

Explore the different ways you can repay your loans. If you’re thinking it will be hard for you to make payments after you get out of school, you may want to sign up to get graduated payments. This way, initial payments are small and don’t increase until later when you will probably have more money.

TIP! You need to understand what all of your options are when it comes to loan repayment. If you think you’ll struggle to afford school after graduating, try applying for graduated payments.

Get a meal plan at school to make the long run. This allows you to not worry about what’s on your plate each time you eat because each meal is a flat fee for every meal.

To lower your need for loans, take lots of AP and double credit courses in high school. Your grade in these kinds of classes will make it to where you don’t have to take certain college courses, and that will make it to where you pay less.

TIP! To lower your need for loans, take lots of AP and double credit courses in high school. Grades earned in dual credit classes and Advanced Placement tests can help you skip some college classes, resulting in fewer hours needing to be paid for.

Keep in touch with lenders both while you are in school and after you leave. Always tell them when you move or change other contact information. This will make sure that you take care of any changes like terms or your lender’s information. You must also let them know if you transfer, transfer, or even leave the college.

Check out all options to ensure you pay on time. Paying back student loans on time is important if you want to have a good credit rating, and not have to worry about wages being garnished. You may find it simpler to keep track of if you consolidate.

Try to reduce your costs by taking dual credit classes in high school that offer college credit.

Consider taking classes online in addition to your traditional classes to get the most from your student loans. That way you can maximize your course load while still having time to work and attend regular classes. This will help you get more hours each semester.

TIP! To limit your reliance on student loans, try to take additional classes online. This allows you to add some hours to your full-time load and schedule the assignments around your other classes and your job schedule.

Check out all options to ensure you can use to pay on time. Pay on time to keep your credit doesn’t suffer.If you find that paying back these student loans is difficult, think about consolidating your loans.

Before applying for private student loans, apply for federal student loans. You get both more and better advantages with federal loans, like interest rates that are fixed and deferment and forbearance options. If you have a fixed rate loan, you don’t have to be surprised at the end of every month. It will be much easier to figure out your budget when you know the amount you need to pay each month.

TIP! Prior to seeking loans from private sources, complete an application for federal loans. Federal loans have fixed interest rates and several other advantages.

Take online classes to get the cost of student loans. You can work these in around your schedule this way. This lets you the most credit hours you can each semester.

When the financial aid you are given is less than the cost of going to the school, it is a good idea to research a private loan. However, don’t apply with just one lender. Look around until you find the very best terms and rates before signing anything.

TIP! If you’ve got a financial aid package which doesn’t cover the entire costs of college, you might have to obtain a private loan. Look carefully at any private loan options.

Pay off the loans where the interest rate first. This will prevent the interest is added to your overall debt. Know what the terms of your loans. Make proper payment arrangements so that you do not end up paying unnecessary amounts.

Only consider private student loans as a last resort. They may have a variable interest rate, which means you could end up paying a lot more each month than you were expecting. There is also a lack of protection on these private loans when compared to federally backed ones.

TIP! Private student loans really ought to be a last resort. Their interest rates can drastically change which can cause your monthly payment amount to increase.

Student loans help people to accomplish their dreams of higher education. It is important however that anybody who is thinking about taking out a student loan be well-versed in how to understand the terms of one. Use the advice above to ease the rigors of the loan process.

Consider Tuition.io. to find assistance in organizing your financial situation. This is a new website that will help remind you when the loan needs to be paid. It also keep s track of lenders and helps you keep your records straight. The site will tell you if any changes have occurred to your loans.

A learning platform providing free or fee-based curriculum for personal or professional development through Coaching.

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