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: August 25, 2019

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

Don’t Understand Student Loans? Read This Piece

bank

Know how long of a grace period is in effect before you must begin to make payments on the loan. This generally means the period after you graduate where the payments will become due. Having this knowledge of when your payments are scheduled to begin will avoid incurring any penalties.

TIP! Verify the length of your grace period before repayment of your loan is due. This is the amount of time you are allowed after graduation before you loan becomes due.

It can be expensive to go to college education in this day and age. A very good school or even just a mediocre one can break the bank. What can you do if you want to go to school but can’t afford it? This is why student loans are important. Here are some great tips that will help you with the application process.

Read the fine print on student loans. You need to know how much you owe, your repayment status and which institutions are holding your loans. These details are imperative to understand while paying back your loan. This is must-have information if you are to budget wisely.

TIP! Know your loan details inside and out. You need to be able to track your balance, know who you owe, and what your repayment status is.

Know all the specifics about your student loans. You need to be able to track your balance, check your repayment statuses, and what your repayment status is. These details can all have a big impact on any loan forgiveness and repayment. This is must-have information if you to budget wisely.

Know how long the grace period is between the date of your graduation and the date on which you must start repaying the loans. For Stafford loans, the period is six months. It is about nine months for Perkins loans. Other loans offer differing periods of time. Know when you are to begin paying on your loan.

TIP! You are offered a grace period after you graduate before you must start paying on your student loans. For Stafford loans, it should give you about six months.

Don’t panic if 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 are able to document your current hardship. Just be mindful that doing so may cause interest rates rise.

Which payment option is your best bet? Many loans offer a decade-long payment term. There are many other options if you need a different solution. For instance, it may be possible to stretch out your payments for a longer period of time, although you will end up paying more interest. Once you start working, you may be able to get payments based on your income. It may be the case that your loan is forgiven after a certain amount of time, as well.

TIP! Pick the payment option that works best for you. Many student loans come with a 10-year plan for repayment.

Pay your loans off in two steps. Always pay on each of them at least the minimum balance due. Second, pay anything extra to the loan with the highest interest rate, and not just the largest balance. This will cut back on the long term.

Reduce the principal by paying the largest loans first. When you reduce your overall principal, you wind up paying less interest over the course of the loan. Therefore, target your large loans. Once you pay off one big loan, transfer the payments amounts to the loans with the next highest balances. Making these payments will help you to reduce your debt.

TIP! Reduce the principal when you pay off the biggest loans first. If your principal is ower, you will save interest.

Select a payment option that is best for you. Most loans allow for repayment over ten years. There are other options if this is not right for you.For instance, you can possibly spread your payments over a longer period of time, but that comes with higher interest. You can also use a portion of your income to pay once you are bringing in money. Some student loan balances get forgiven after twenty five years have passed.

To maximize the value of your loans, make sure to take the most credits possible. Try to graduate as soon as you possibly can by taking 15 or 18 hours each semester. This will help lower your loan totals.

TIP! To help maximize the money you get from student loans, sign up for additional credit hours. 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.

Prioritize your repayment of student loans by interest rate of each one. The loan with the most interest should be paid down fastest and first. Using additional money to pay these things paid off quicker later on. There is no penalty for repaying sooner than warranted by the lender.

A lot of people apply for a student loan and sign things without having knowledge of what they’re doing. It is vital that you understand everything clearly before agreeing to the loan terms. Otherwise, you may end up with more fees and interest payments than you realized.

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

If you want your application for a student loan to be processed quickly, ensure that the forms are filled out completely and accurately. Incorrect or incomplete loan information can result in having to delay your college education.

TIP! In order to have your student loan paperwork go through as quickly as possible, make sure that you fill out your application accurately. Incorrect or incomplete loan information can result in having to delay your college education.

Stafford and Perkins loans are the best that you can get. These two are considered the safest and the safest. This is a great deal because while you may want to consider. The Perkins loan has a small five percent. Subsidized Stafford loans offer interest rate that goes no higher than 6.8 percent.

The Stafford and Perkins loans are the best options in federal loans. They are the safest and most economical. They are great because while you are in school, your interest is paid by the government. Perkins loans have a rate of 5 percent interest. Subsidized Stafford loans have an interest rate cap of 6.8%.

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

If you have poor credit and are looking for a private loan, you might need a cosigner. Make sure that your payments on time.If you get yourself into trouble, you are affecting the credit of the person who went to bat for you.

If you are in graduate school, a PLUS loan may be an option. Normally you will find the interest rate to be no higher than 8.5%. These loans give you a better bang for your buck. This is often a good alternative for students further along in their education.

TIP! PLUS loans are a type of loan that is available only to parents and graduate students. They cap their interest rate at 8.

Your college may have motivations of its own when it comes to recommending certain lenders. Some schools let private lenders use the school’s name. This may not be in your best deal.The school may get some kind of your choice. Make sure to understand all the nuances of any loan prior to accepting it.

Defaulting on your loans is not an easy way out. The government has a lot of ways it can try to get its money back. For instance, it has the power to seize tax refunds as well as Social Security payments. It is also possible for the government to garnish 15 percent of all disposable income. You will probably be worse off than before in some cases.

TIP! Get rid of thinking that defaulting on a loan means freedom. Unfortunately if you do this, the federal government will use all means necessary to recover this debt.

Don’t think that you can default on your debt back. The government can try to get its money if they want it. They can take this out of your income taxes at the end of the year.It could also claim 15 percent of your disposable income. You could end up worse off than before in some circumstances.

Avoid relying totally on student loans when it comes to paying for your education. Save your money up in advance and do not forget to apply for scholarships. The Internet is your friend here; you can find a lot of information on scholarships and grants that might pertain to your situation. Make sure you start looking as early as possible so you can have everything in order well before it is time to pay for school.

TIP! Make sure that you try to get scholarships when you go to college. Look into getting a scholarship or grant and explore other ways you can save money.

Use caution if you are considering getting a private loan.It may be challenging to find out the exact terms. You may not know exactly what you are signing your name to until it is too late. Get as much information as you need first.

Always double and triple check your financial aid form. This is critical for your ability to get the maximum amount in a loan that is available to you. If you have doubts about any of the information, consult a financial aid rep.

TIP! Always double and triple check your financial aid form. One mistake could change how much you are offered.

Be sure to double check all forms that you fill out your applications This is something to be careful with because you may get less of student loan if something is wrong. Ask someone for help if you need it.

Stay in contact with your lender. It is essential to know the complete information about your loan and any stipulations involved in your repayment schedule. Additionally, your lender might give you some good information about repayment.

TIP! Stay connected to lenders or people that supply you money. You have to understand everything about the loan you owe and how you need to pay it back.

The information you read in this article should make applying for and getting a student loan easier than you have previously thought. This information was written so that you won’t have to be concerned about paying for school. Incorporate these tips into your efforts to obtain student loans.

Rather than depending only on your student loans during school, you should bring in extra money with a part time job. 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.

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