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: June 14, 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

Top Header...
Advertisements:

Confused About Where To Start With Learning About Student Loans? These Tips Will Help!

Know how long of a grace period is in effect before you must begin to make payments on the loan. The grace period is the amount of time between your graduation date and date on which you must make your first loan payment. Knowing this allows you to make sure your payments are made on time so you can avoid penalties.

TIP! If you have any student loans, it’s important to pay attention to what the pay back grace period is. The grace period is the period between when you graduate and when you have to start paying back your loans.

Since a college education is so expensive, students loans should be something all young people know about. You need to be well informed in order to get the right loans at the right terms. Read on to learn all there is to know about student loan.

Always figure out what the details of the loans you have out are. Know your loan balance, your lender and the repayment plan on each loan. These details all affect loan forgiveness and repayment options. This will allow you to budget effectively.

TIP! Always know all of the key details of any loan you have. You need to watch what your balance is, who the lender you’re using is, and what the repayment status currently is with loans.

Know what kind of grace period is in effect before you must begin to make payments on the loan. This is generally the period after graduation where the payments are due. Knowing this allows you to know when to pay your payments on time so you can avoid penalties.

Don’t be scared if something happens that causes you to miss payments on your student loans. Many lenders give you a grace period if you are able to prove that you are having difficulties. Just keep in mind that doing this might cause the lender to raise the interest rate on your loan.

TIP! If you were laid off or are hit with a financial emergency, don’t worry about your inability to make a payment on your student loan. Many times a lender will allow the payments to be pushed back if you make them aware of the issue in your life.

Know the specifics about your student loans. You must watch your loan balances, know who you owe, and what your repayment status is. These details are crucial when it comes time to pay back the loan. This information if you are to budget accordingly.

Do not overlook private sources of funds for college. Although there are a variety of public student loans, it can be difficult to obtain them due to competition and demand. Many people do not know about private loans; therefore, they are usually easier to get. Talk to people you trust to find out which loans they use.

TIP! Remember private financing. Student loans from the government are plentiful, but they come with a lot of competition.

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 any options in your community.

Do not panic when you are faced with paying back student loans. There is always something that pops up in a persons life that causes them to divert money elsewhere. Realize that there are ways to postpone making payments to the loan, or other ways that can help lower the payments in the short term. Still, remember that your interest will have to be paid back, so try and pay what you can, when you can.

TIP! Don’t let setbacks throw you into a tizzy. Job loss and health crises are bound to pop up at one point or another.

Don’t be driven to fear when you have a loan payment. Unemployment or a health emergencies will inevitably happen. There are options like forbearance and deferments for such hardships. Just know that the interest will build up in some options, so making interest-only payments will at least keep your balance from rising higher.

There are two steps to approach the process of paying off student loans you have taken out. First you need to be sure that you know what the minimum payments for the loans will be each month. The second step is applying any extra money you have to your highest-interest-rate loan and not the one with the biggest balance. This helps lower the amount of costs over the course of the loan.

TIP! There are two main steps to paying off student loans. First, be sure to pay the monthly amount due on each loan you have taken out.

Focus on the high interest loans.If you solely base your repayment by which ones have a lower or higher balance, there is a chance that you will end up owing more money in the end.

If you have the ability to pay more than what you owe on your loans, try to get those with the highest interest taken care of first. If you get your payments made on the loans that have the lowest or the highest, it can cost you extra in the end.

Stafford loans offer a grace period of six months. Other types of student loans’ grace periods vary. Know when you are to begin paying on time.

It is important to know how much time after graduation you have before your first loan payment is due. Stafford loans offer six months of grace period. Perkins loans are about 9 months. Other student loans’ grace periods vary. Know when you are to begin paying on your loan.

Student Loans

Pick a payment plan that works best for you. Many of these loans have 10-year repayment plans. If this doesn’t work for you, you might have another option. Perhaps you can stretch it out over 15 years instead. Keep in mind, though, that you will pay more interest as a result. You might 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.

TIP! Choose the right payment option for you. The average time span for repayment is approximately one decade.

Select a payment option best for your situation. Most student loans have a 10-year repayment plan. There are other options if this is not right for you.For example, you might secure a longer repayment term, however you will probably have a higher interest rate. You might also use a portion of your income to pay once you begin making money. Certain student loans are forgiven after a quarter century has gone by.

When you begin to pay off student loans, you should pay them off based on their interest rates. It’s a good idea to pay back the loan that has the biggest interest rate before paying off the others. Paying a little extra each month can save you thousands of dollars in the long run. There are no penalties for early payments.

TIP! Pay off your different student loans in terms of their individual interest rates. You should always focus on the higher interest rates first.

Get the maximum bang for the buck on your student loans by taking as many credit hours 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 amount of loan amounts you have to accrue.

Get the maximum bang for the buck on your student loans by taking as many credits each semester as you can. While full-time status often is defined as 9 or 12 hours a semester, if you can get to 15 or even 18, you can graduate much sooner. This will help lower your loan totals.

Fill out paperwork for faster processing. Incorrect or incomplete loan information gums up the works and causes delays to your education.

Many obtain student loans, sign their documents, but remain clueless about what they’re signing into. If something is unclear, get clarification before you sign anything. Lenders sometimes prey on borrowers who don’t know what they are doing.

TIP! Too often, people will accept student loans without contemplating the legal implications. Ask questions so that you are completely aware.

Defaulting on a loan is not an easy way out. The government has many ways it can try to get the money. They can take your taxes or Social Security. The government can also lay claim to 15 percent of the income you make. You will probably be worse off in some circumstances.

If you do not have excellent credit and you must put in an application to obtain a student loan through private sources, you will require a co-signer. Making payment on time is very important. When someone co-signs, they are responsible too.

TIP! A co-signer may be necessary if you get a private loan. It is vital that you stay current on your payments.

The cost of education these days is through the roof. Student loans contribute to the bulk of the debt, and their effects can be felt for years. Luckily for you, the paragraphs you just read can help you navigate the treacherous waters.

One type of student loan that is available to parents and graduate students is the PLUS loans. Their interest rate doesn’t exceed 8.5%. It’s higher than public loans, but lower than most private options. This is the best option for mature students.

Copyright 2016-18. iMarket Coaching. All rights reserved.