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: April 13, 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

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Dealing With A Student Loan? Read This

Always be mindful of specific loan details. This will help you with your balance and repayment status. These details are imperative to understand while paying back your loan. You will also need to know these things if you want to have an accurate budget.

You may begin getting loan offers before high school is what you’ve graduated from. It can seem very helpful towards achieving your college education.

Always keep in touch with all of your lenders. Make sure you let them know if your contact information changes. You must also make sure you open everything right away and read all lender correspondence via online or mail. Do whatever you need to as soon as you can. Failure to miss anything can cost you a lot of money.

TIP! Keep in close touch with your lender. Update your address, phone number or email address if they change which sometimes happens quite frequently during your college days.

Always know all of specific loan you have. You need to be able to track your balance, keep track of the lender, and what your repayment status is. These details are crucial when it comes time to pay back the loan. This is must-have information if you to budget wisely.

If you lose your job, face financial issues or some other bump in the road comes up, don’t worry about missing a payment. Most lenders can work with you if you lose your job. Just be mindful that doing so could make your interest rates rise.

TIP! Don’t worry if you can’t make a payment on your student loan due to a job loss or another unfortunate circumstance. Lenders will typically provide payment postponements.

Always stay in touch with your lender. Make sure you update them with your current address and phone number. Take the actions needed as soon as possible. You can end up spending more money otherwise.

Know how much time you have in your grace period from the time you leave school until you must begin paying back your loans. Six months is usually the length for Stafford loans. For Perkins loans, the grace period is nine months. The amount you are allowed will vary between lenders. Know when you will have to pay them back and pay them on time.

TIP! Keep in mind the time that’s allotted to you as your grace period from when you get out of school until you have to start paying back the loan. Stafford loans typically give you six months.

Don’t fret when extenuating circumstances prevent you can’t make a payment on your student loan due to a job loss or another unfortunate circumstance. Most lenders have options for letting you if you lose your job. Just remember that doing this may raise interest rates rise.

Get a payment option that works for you. Most student loans have a ten year plan for repayment. Other options are likely to be open to you if this option does not suit your needs. Understand if you choose a longer repayment period you will end up having to pay more in interest. You might be eligible to pay a certain percentage of income when you make money. Some loans are forgiven in 25 years.

TIP! Select a payment option that works well for your particular situation. Ten year plans are generally the default.

Don’t panic if you have a loan payment. Unemployment or a health emergencies can happen to you from time to time.There are options like forbearance and deferments available for such hardships.Just remember that interest keeps accruing in many forms, so try to at least make payments on the interest to prevent your balance from growing.

When you’re trying to pay off a student loan, be sure you pay them in order of interest rates. Pay off the one with the highest interest rate first. Anytime you have extra cash, apply it toward your student loans. There is no penalty for paying off your loans early.

Student Loans

Take the maximum number of credit hours you can in your schedule to maximize the use of your loans. Sure a full time status might mean 12 credits, but if you can take 15 or 18 you’ll graduate all the quicker. This will help in reducing your loan significantly.

TIP! Squeeze in as many possible credit hours as you can to maximize your student loans. Full-time status is usually 9-12 hours per semester, so getting between 15 and 18 can help you graduate sooner.

There are two main steps to paying off student loans you have taken out. Begin by figuring out how much money you can pay the minimum payments on these student loans. Second, make extra payments on the loan whose interest rate is highest, not the one with the highest balance. This will cut back on the amount of total interest you over time.

Be sure to fill out your loan applications neatly and properly to avoid any delays in processing. Any information that is incorrect or incomplete can delay it being processed, potentially causing you to miss important deadlines and putting you behind in school.

Focus on the high interest rates. If you pay off the wrong loans first, you may pay more interest that you have to.

There are specific types of loans available for grad students and they are called PLUS loans. The PLUS loans have an interest rate below 8.5%. Although it is higher than Perkins and Stafford Loans, you still get a much better rate than one that is private. This makes it a good option for established and mature students.

Stafford loans provide a six months. Other types of student loans may vary. Know when you are to begin paying on time.

To stretch your student loan money as far as it will go, purchase a meal plan by the meal instead of the dollar amount. A plan that presumes you will eat every time food is served may overcharge you.

TIP! To stretch out your student loan money, try buying meal plans instead of meals via dollar amounts. That way, you can pay a flat fee instead of being nickel and dimed.

Choose the payment plan that is best suited to your needs. Many of these loans come with a ten year repayment period. There are often other options if you need a different solution. You might be able to extend the plan with a greater interest rates. You might even only have to pay a certain percentage of your income once you finally do start making money. Some loans offer loan forgiveness after a period of 25 years has elapsed.

When your loan is big, don’t panic. It can seem like a ton, but you pay it back gradually for a long time. If you find a job and save your money, you can pay back your loan little by little.

TIP! Take a deep breath when you seriously contemplate the depth of your student loan balance. Although it is likely to seem like a substantial sum, you will pay it back a little at a time over a long time period.

Prioritize your repayment schedule by the interest rate of each one. The highest rate loan with the most interest should be paid off first. Using the extra money you have can get these things paid off student loans faster. There is no penalties for paying off a loan more quickly than expected.

You need to make sure you understand all the requirements of paying back the loan. You may qualify for a deferment or forbearance, depending upon your situation. You should know your options. Before putting your signature on the loan agreement, it is wise to understand all the details.

Largest Loans

If you’re not going to be able to make your payment, you should get a hold of the lender you’re using as soon as you can. As long as the lender sees that you are making an effort up front, they will typically be much more interested in helping your credit to remain in good standing. You may even qualify for a deferral or reduced payments.

TIP! As soon as you think you’ll miss a payment, let your lender know. If you are proactive with regard to your situation, the lender is much more likely to offer you a plan to help you.

Reduce your total principle by paying the largest loans first. Focus on the largest loans off first. When you pay off a big loan, move on to the next. When you apply the biggest payment to your biggest loan and make minimum payments on the other small loans, you’ll find that it is much easier to eliminate your debt.

While in college, and after you graduate, it is wise to keep in touch with the banks that have loaned you money. Contact them with personal information changes like phone number, email, address, and name. This means that you are going to know about any terms changes or new lender facts. You should also let them know if you withdraw, transfer, or graduate from college.

TIP! Keep in contact with lenders while in college and after college. Contact them with personal information changes like phone number, email, address, and name.

Get many credits each semester. Full-time status is usually 9-12 hours per semester, take a few more to finish school sooner. This lets you keep to aminimum the loan money you need.

One way to reduce student before it occurs is to take Advanced Placement classes and courses offering dual credit while you are still in high school. You take these in high school, and if you do well on a test, you will get credit for college. This reduces the number of hours you will have to take when you get to your chosen university.

Lots of folks secure student loans.This is one way that lenders use to get more money than they are entitled to.

Try to get federal loans before going to a private loan situation. You get both more and better advantages with federal loans, like interest rates that are fixed and deferment and forbearance options. That means you won’t end up with a huge interest bill at any point. Then it’s much easier to budget out your life over time.

TIP! Consider getting a federal loan before considering borrowing from a private lender. You get both more and better advantages with federal loans, like interest rates that are fixed and deferment and forbearance options.

Stafford and Perkins are the most advantageous federal loans to get. These are considered the safest and most affordable. This is a great deal because while you are in school your interest will be paid by the government. The Perkins loan interest rate of 5%. Subsidized Stafford loans have a fixed rate that goes no higher than 6.8 percent.

Take AP classes during high school to reduce borrowing. These classes allow you to take a test to gain college credit. This will reduce the amount of loan you must take.

TIP! Maximize the number of AP credits you accrue in high school to cut down on your college borrowing needs. AP classes have an examination at completion to determine if your performance qualifies for college competency.

There are lots of decisions to make in college, and one of the biggest is about debt load. Make sure not to take too much money with high interest rates. Keep in mind all that you read here as you prepare for both college and the future.

If the financial aid package you have will not cover all the expense of attending the school of your choice, a private loan may be necessary. Don’t go with the first offer you get. Do some research to find solid terms with a great interest rate before signing anything.

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