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: November 26, 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

Dealing With A Student Loan? Read This

Always stay in contact with your lender. Update them anytime you change your email, name, address, or phone number, which is common in college. You must also make sure you open everything right away and read all lender correspondence via online or mail. Follow through on it immediately. Failure to miss anything can cost you a lot of money.

TIP! Communicate often with the lender. Make sure you let them know if your contact information changes.

Student loans make it possible for people able to get an education they couldn’t afford otherwise. This article will tell you need. Read on to learn about the education you need.

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, your lender will work with you during difficult situations. This might increase your interest rate, though.

TIP! There is hope for you if you find yourself in a tight financial spot where you cannot keep up with student loan payments. Usually, most lenders let you postpone payments if some hardship is proven.

Always keep in touch with all of your lender. Make sure they know your personal information if it changes. Take the actions needed as soon as possible. Missing anything could make you owe a great deal of money.

Private financing could be a wise idea. Public loans are great, but you might need more. Private student loans reside in a different category. Often, some of the money is never claimed because students don’t know about it. See if you can get loans for the books you need in college.

TIP! Do not forget about private financing. Though federal loans are common, competition in the market does exist.

Don’t be scared if something happens that causes you to miss payments on your student loan due to a job loss or another unfortunate circumstance. Most lenders have options for letting you if you are able to document your current hardship. Just know that doing this may raise interest rates.

If you wish to repay student loans in advance, deal with the ones with the highest interest rates first. If you focus on balances instead, you might neglect how much interest you accrue over time, still costing you money.

Don’t eschew private loans for financing a college education. There is quite a demand for this as public loans. Explore any options in your community.

Payments for student loans can be hard if you don’t have the money. There are loan rewards programs that can help with payments. For example, check out the LoanLink and SmarterBucks programs from Upromise. These are similar to cash back programs in which you earn rewards for each dollar you spend, and you can apply those rewards toward your loan.

TIP! The prospect of having to pay a student loan every month can be hard for people that are on hard budget already. There are loan rewards opportunities that can help.

Pay your student loans using a two-step process. Begin by figuring out how much money you can pay the minimum payments on each of your loans. Second, pay anything extra to the loan with the highest interest rate, and not just the largest balance. This will cut back on the future.

The best federal loans are the Stafford loan and the Perkins loan. This is because they come with an affordable cost and are considered to be two of the safest loans. They are great because while you are in school, your interest is paid by the government. The interest rate on a Perkins loan is 5 percent. Subsidized Stafford loans have a fixed rate of no more than 6.8 percent.

Focus initially on the high interest rates. If you pay off the wrong loans first, it can cost you extra in the end.

Some schools have reasons that they may try to motivate you to go toward one particular lender to get a student loan. Some lenders use the school’s name. This is generally misleading. The school might actually get a commission for your loan. Understand every aspect of your loan right off the bat.

Stafford loans offer loam recipients six months of grace period. Other loans can vary. Know when you are to begin paying on time.

Rid your mind of any thought that defaulting on a student loan is going to wipe the debt away. The government has many ways to get the money. They can take money off your tax refund, for example. They can also take a chunk of the disposable income you have. You can easily find yourself in a very bad position that will take many years to get out of and cause many headaches.

TIP! Don’t buy into the notion that you can default on your loans to free up money. There are many tools in the federal government’s arsenal for getting the funds back from you.

Pick a payment option that works best for you. Most loans have a 10-year repayment over ten years. There are other ways to go if this doesn’t work. For example, you can take a longer period to pay, your interest will be higher. You can also do income-based payments after you pay a certain percentage of your overall post-graduation income. Some loans’ balances get forgiven after twenty five years have passed.

Take extra care with private loans. These have many terms that are subject to change. Sometimes, you really will not know what you have gotten into until you’ve already committed to a loan. When this occurs, it might be too late to get out of trouble. Learn about each loan first. If you get a great offer, check with other lenders to see if they will meet or beat it.

TIP! Be careful when it comes to private student loans. It may be challenging to find the terms.

The prospect of having to pay a student loan every month can be hard for someone on an already tight budget. You can make things a little with help from loan rewards programs. Look at websites such as SmarterBucks and LoanLink via Upromise.

You mustn’t finance your education solely on student loans. Keep in mind that you need to put money aside and investigate grants and scholarships that may offer you some financial assistance. There are many valuable scholarship sites to tap into. To prepare yourself, start this search as quickly as you can.

Fill out paperwork for faster processing. Incorrect or incomplete information can result in having to delay your education.

When you are completing your application for financial aid, be sure that there are no mistakes. If you do not fill it out correctly, you may not get as much money from the school. Ask someone for help if you are uncertain.

TIP! As you fill out your application for financial aid, ensure that everything is correct. Your accuracy may have an affect on the amount of money you can borrow.

If you need for a student loan and do not have good credit, you have to get a co-signer most of the time. It is critical that you stay current on your payments. If you’re not able to, your co-signer will also be liable.

Know what the options for repayment are. If paying back the loan will be an issue once you complete school, you may want to consider a graduated repayment plan. This makes it so that your early payments are smaller and will gradually increase as your earning potential rises.

TIP! Figure out what you have as repayment options. If you believe finances will be tight after graduation, try to get a graduated repayment plan.

Some schools get a kickback on certain student loan. There are institutions that allow the school’s name. This is frequently not be in your best deal. The school might be getting payment if you agree to go with certain lender. Make sure you grasp the subtleties of a particular loan prior to accepting it.

Rather than depending only on your student loans during school, you should bring in extra money with a part time job. This will help you to make a dent in your expenses.

Student Loans

Always be sure you understand the terms of the payback. Some loans will give you additional time to pay them back. You need to know what your options are and what the lender expects of you. It is best to know this information prior to requesting a loan.

TIP! Make sure you pay strict attention to the loan terms. Some loans come with grace periods, forbearance options and hardship possibilities you can use.

Student loans make quality education accessible for many students. Now that you’ve read this, you should be able to manage student loans more easily. Follow these suggestions to advance your education desires.

If you think you will be unable to make a payment, contact your lender as soon as possible. They’ll want to work on the problem with you to resolve it. Your payments could be deferred or even reduced and modified.

November 14, 2020
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