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: October 31, 2020

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

Considering Student Loans? Read These Tips First!

Always know all the information pertinent to your loans. You must watch your balance, keep track of the lender, and monitor your repayment progress. These three things will affect future repayment plans and forgiveness options. Budgeting is only possible with this knowledge.

TIP! Always know all the information pertinent to your loans. You need to be able to track your balance, know who you owe, and what your repayment status is.

Going to school now can be very pricey due to the high costs. A very good school or even just a mediocre one can break the bank. How do you get money for tuition when you are broke? This is the place where student loans are critical. Here are some great tips that will help you get one.

Don’t be scared if something happens that causes you to miss payments on your student loans. The lenders can postpone, and even modify, your payment arrangements if you prove hardship circumstances. However, this can make it to where you have higher interest rates and more to pay back.

TIP! If you lose your job, face financial issues or some other bump in the road comes up, don’t worry about missing a payment. A lot of times, if you can provide proof of financial hardship, lenders will let you to delay your payments.

Always be aware of what all the information pertinent to your loans. You need to know how much you owe, your lenders and the repayment status in which you find yourself at any given time. These three details are going to have a lot to do with what your loan repayment and loan forgiveness options. This is must-have information if you to budget effectively.

Do not panic when you are faced with paying back student loans. Many people have issues crop up unexpectedly, such as losing a job or a health problem. Lenders provide ways to deal with these situations. Still, remember that your interest will have to be paid back, so try and pay what you can, when you can.

TIP! Don’t panic when you struggle to pay your loans. Unemployment or a health problem can happen to you from time to time.

Keep in contact with your lender. Make sure they know your personal information if it changes. Do whatever you must as soon as you can.Missing anything in your paperwork can cost you owe a lot more money.

The best way to pay down your student loan debt early is to focus on the loans that come with a higher interest rate. If you focus on balances instead, you might neglect how much interest you accrue over time, still costing you money.

TIP! Focus on paying off student loans with high interest rates. If you think you will be better off paying the one with the highest monthly payments first, you may be wrong.

Don’t be scared if something happens that causes you can’t make a payment on your student loans. Most lenders can work with you put off payments if you lose your job. Just be aware that doing so could make your interest rates to rise.

Pay off the loan with higher interest rates first so you can shrink the amount of principal you owe faster. The smaller your principal, the smaller the amount of interest that you have to pay. Stay focused on paying the bigger loans first. When a large loan is repaid, just start paying on the next ones you owe. The best system for repaying your student loans is to make large payments on your biggest student loan while continuously making the minimum payment on smaller student loans.

TIP! Reduce the principal when you pay off the biggest loans first. You will reduce the amount of interest that you owe.

Don’t eschew private loans for financing a college education. There is not as much competition for this as public student loans even if they are widely available. Explore the options within your community.

Having to make a monthly student loan payment is hard for a budget that is already stretched thin. You can make things a bit easier with help from loan rewards programs. Consider Upromise and other similar organizations. These are like programs that offer cash back, but the rewards are used to pay your loans.

TIP! Having to make a monthly student loan payment is hard for a budget that is already stretched thin. Loan rewards programs soften the blow somewhat.

Don’t be driven to fear when you aren’t able to make a loan payment. Job losses and health emergencies are sure to crop up at least once. There are forbearance and deferments for most loans. Just remember that interest will continue to build in many of these options, so try to at least make payments on the interest to keep the balances from increasing.

Squeeze in as many possible credit hours as you can to maximize your student loans. 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. When you handle your credit hours this way, you’ll be able to lessen the amount of student loans needed.

TIP! To get the most out of your student loan dollars, take as many credit hours as possible. Try to graduate as soon as you possibly can by taking 15 or 18 hours each semester.

Choose payment options that best suited to your needs. Many student loans offer a ten year length of time for repayment. There are other ways to go if this doesn’t work. For instance, you may be able to take longer to pay; however, but you will have higher interest. You might also be able to pay a set percentage of your income once you begin making money. Some loans are forgiven after twenty five years have passed.

In order to have your student loan paperwork go through as quickly as possible, make sure that you fill out your application accurately. If you make a mistake, it will take longer to go through. You may not see any money for an entire semester.

TIP! To expedite the process of a student loan, make sure the application is filled out accurately. Incorrect and incomplete information gums up the works and causes delays to your education.

Reduce your total principal by getting things paid off as quickly as possible. Focus on paying the big loans off first.Once a large loan has been paid off, simply transfer those payments to the next largest ones. If you make minimum payments on your loans while paying as much as possible on the largest loan, your student loan balances will disappear.

The two best loans on a federal level are called the Perkins loan and the Stafford loan. These are both safe and affordable. These are great options because the government handles your interest while you are in school. The Perkins tends to run around 5%. The interest rate on Stafford loans that are subsidized are generally no higher than 6.8 percent.

TIP! Stafford and Perkins are the best loan options. They are the safest and most economical.

The thought of making payments on student loans each month can be frightening when money is tight. There are loan rewards opportunities that may benefit you. Look at websites such as SmarterBucks and LoanLink via Upromise.

If you don’t have good credit, and you are applying for a student loan from a private lender, you will need a co-signer. It is vital that you stay current on your payments. If you don’t, then your co-signer will be held responsible for those debts.

TIP! If your credit isn’t the best and you are applying for a student loan, you will most likely need a co-signer. You must pay them back! When someone co-signs, they are responsible too.

Stafford and Perkins loans are two of the best loan options. These are considered the safest and most affordable. This is a good deal because while you may want to consider.The Perkins Loan has a small five percent. The Stafford loan only has a rate that does not exceed 6.8%.

Defaulting on a loan is not freedom from repaying it. There are several ways the government can get their money. For example, they can claim a little of a tax return or even a Social Security payment. The government can also lay claim to 15 percent of your disposable income. Most of the time, it will results in a worse financial situation for you.

TIP! Defaulting on your loans is not an easy way out. The federal government will go after that money in many ways.

If you need for a student loan and do not have good credit, you are sure to need a co-signer. Make your payments are up to date. If you get yourself into trouble, you are affecting the credit of the person who went to bat for you.

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. With a meal plan based on the meal this means your meal will be a flat fee instead of a per item charge.

TIP! You can save money by purchasing a meal plan from the college cafeteria. The best way to do this is to pay for meals rather than a specific dollar amount.

Do not think that defaulting will relieve you can just default on student loan debts. The government will often still get its disposal. They can take your taxes or Social Security. They can also tap into your paycheck.You could end up worse off in some cases.

Look into all of your repayment options. 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. Thus, your payments early on will be smaller, and then gradually grow after you begin earning more.

TIP! You need to understand what all of your options are when it comes to loan repayment. If you are worried about making ends meet after you leave school, consider asking for graduated payments.

After reading the article, you should be ready to apply for a loan. This advice can help diminish your fears when it comes to affording school costs. Remember these tips when filling out student loan forms as you apply for school.

Consider finding a part time job on campus to supplement your income. This will assist your overall finances and reduce the amount of money you must borrow.

October 28, 2019
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