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: January 18, 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

Crucial Information You Should Know About Student Loans

Read the fine print on student loans. This will help you with your balance and repayment status. These details affect your repayment options. You have to have this information if you want to create a good budget.

Most people have to borrow money to get student loans in order to pay for their college education.Read the article for important information on student loans.

You should not necessarily overlook private college financing. Because public loans are so widely available, there’s a lot of competition. Private loans are not in as much demand, so there are funds available. Ask around your city or town and see what you can find.

TIP! To make paying for college easier, don’t forget to look at private funding. Student loans from the government are plentiful, but they come with a lot of competition.

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

Check the grace period of your student loan. Six months is usually the length for Stafford loans. Perkins loans often give you nine months. Other loans will vary. Know when you are expected to pay them back, and make your payments on time!

TIP! Make sure you understand the true length of your grace period so that you do not miss payments. Stafford loans offer a period of six months.

Know the little details of your loan. You need to know how much you owe, what the terms are and the name of your lending institution. These are three very important role in your ultimate success. This is must-have information if you are to budget effectively.

To make your student loan money stretch even farther, consider taking more credit hours. Try to graduate as soon as you possibly can by taking 15 or 18 hours each semester. This helps you keep to aminimum the amount of loan money you need.

TIP! To make the most of a loan, take the top amount of credits that 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.

Keep in contact with your lender. Make sure they know your contact information changes. Take the actions you need to take as soon as possible. You may end up spending more money than necessary if you miss anything.

Be sure to read and understand the terms of any student loans you are considering. It is important that you ask questions to clarify anything that is not really clear to you. An unscrupulous lender will always look for ways to see if they can get more money out of you.

TIP! Many obtain student loans, sign their documents, but remain clueless about what they’re signing into. It is essential that you question anything you do not clearly understand.

Don’t get too stressed out if you have trouble when paying back your loans. Job losses and health crises are bound to pop up at one point or another. There are forbearance and deferments available 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.

Be sure to fill your student loan application correctly. Incorrect and incomplete information gums up the works and causes delays to your education.

TIP! To expedite the process of a student loan, make sure the application is filled out accurately. Giving incorrect information can cause the process to be delayed, resulting in having to start school later.

There are two steps to approach the process of paying off student loans. Always pay the minimum.Second, pay anything extra to the loan with the highest interest rate, not the loan that has the largest balance. This will reduce your spending in the amount of money you spend over time.

If your credit is abysmal and you’re applying for a student loan, you’ll most likely need to use a co-signer. It is very important that you keep up with all of your payments. If you fail to do so, the co-signer will be responsible for the payments.

TIP! If you apply for a private student loan and your credit is not that great, you are going to need someone to co-sign for you. You have to make every single payment.

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

A PLUS loan is specifically oriented to address the needs of graduate students and/or parents. They have a maximum interest rate of 8.5 percent. It’s higher than public loans, but lower than most private options. Because of this, you should get this option only if you’re an established and mature student.

TIP! PLUS student loans are offered to parents and graduate students. They bear an interest rate of no more than 8.

Pay off your loans in order of their individual interest rates. The highest rate loan with the most interest should be paid first. Using the extra cash available can help pay off quicker later on. There are no penalty for paying off your loans early.

Why would your school recommend a certain lender to you? Schools sometimes lend their name to private loan companies for a mutual benefit. Such tactics are often misleading. The school might get money if you choose a particular lender. Learn all you can about student loans before you take them.

TIP! Keep in mind that a school may have something in mind when they recommend that you get money from a certain place. They may have a deal with a private lender and offer them use of the school’s name.

The prospect of monthly student loan payments can be somewhat daunting for a recent grad on an already tight budget.There are frequently reward programs that can help with payments. Look at programs like SmarterBucks and LoanLink to learn about this kind of program offered by Upromise.

Defaulting on a loan is not freedom from repaying it. The federal government has multiple options available to recover its money. They can take money off your tax refund, for example. It is also possible for the government to garnish 15 percent of all disposable income. There’s a huge chance that you could be worse than you were prior.

TIP! Forget about defaulting on student loans as a way to escape the problem. Unfortunately if you do this, the federal government will use all means necessary to recover this debt.

Get the maximum bang for the buck on your student loans by taking as many credit hours each semester.Full-time status is usually 9-12 hours per semester, take a few more to finish school sooner. This helps reduce the amount of loans you must take.

Get a good ideas as to what options you have when it comes time to repaying your loans. If you believe finances will be tight after graduation, try to get a graduated repayment plan. This makes it so that your early payments are smaller and will gradually increase as your earning potential rises.

TIP! Look into all of your repayment options. You may want to look into graduated payment plans.

Stafford and Perkins are two of the best that you can get. These two are the most affordable and affordable. This is a great deal that you are in school your interest will be paid by the government. The Perkins loan has a small five percent. Subsidized Stafford loans have an interest rate that goes no higher than 6.8 percent.

Look for a job that will bring in some secondary income. You may be able to pay for some things yourself, and you will have a little extra money to hang out with friends.

TIP! Try finding a job at your college to help augment student loans costs. This is a great idea because you have additional money coming in that can help supplement the money coming in from the student loan, and help pay some expenses.

If your credit isn’t the best and you are applying for a student loan, you will require a co-signer. It is vital you keep up with all of your payments. If you miss a payment, you are affecting the credit of the person who went to bat for you.

Do not stress too much when you see the full amount owed on your student loan. This might feel like it’s a huge amount when checking it out, but you have to pay it over time so it’s really not that bad. If you stay on top of it, you can make a dent in your debt.

TIP! Take a deep breath when you seriously contemplate the depth of your student loan balance. Keep in mind that even a large amount will eventually be reduced with monthly payments.

PLUS loans are a type of loan option for parents and also graduate students. They cap their interest rate that is not more than 8.5 percent. This rate exceeds that of a Perkins loan or a Stafford loan, but the rates are better for private loans. This may be a suitable option for established and mature students.

Know how much you will have to pay back and when you will have to pay it back. Some loans give you grace periods or can be put into forbearance, and there are other options depending on your circumstance. It is vital that you understand all your choices before agreeing to the loan terms. Before putting your signature on the loan agreement, it is wise to understand all the details.

TIP! Know how much you will have to pay back and when you will have to pay it back. There are grace periods, forbearance and other possibilities.

Keep in mind that your school you attend could have other motivations when it comes to them recommending you to a lender. Some lenders to use the school name. This may not the best deal. The school could benefit if you go with certain lenders. Make sure to understand all the subtleties of a particular loan prior to accepting it.

Stay in touch with all lenders after you finish school. Talk to them when things change, such as your phone number. This means that you are going to know about any terms changes or new lender facts. Also note that you are obligated to inform them of the date of your graduation or if you change schools or withdraw completely.

TIP! Maintain contact with your lenders during and after college. Let them know if you moved, have a new email, or new phone number.

Be wary of applying for private student loans. It can be difficult to find out what the exact terms are exactly. You may not know exactly what you’re signing the document. Get as much information as you need first.

To make sure you minimize how much a debt costs you, get into AP classes and dual credit classes that you can take in high school. You can cut out some of your college credits using dual credit classes or Advanced Placement exams, which means less college hours you have to wind up financing.

Student Loans

It will be necessary for you to procure a private loan if the financial aid offered by the college you wish to attend is not sufficient to cover all the expenses. However, don’t apply with just one lender. Shop around to find the best possible terms.

TIP! If a financial aid package doesn’t cover the whole cost of going to your chosen college, you may have to apply for a private loan. Don’t just accept the first offer you receive.

Many people cannot afford to pay for their education without student loans. Knowing all that you can about student loans before applying for them it the key to borrowing responsibly. Use the tips from this article to simplify the process.

Private student loans really ought to be a last resort. Adjustable rate loans can vary which can make your payment increase. They tend not to provide the protections and safeguards that federal loans typically have.

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