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: May 12, 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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Easy Ideas To Make Student Loans Even Better

Keep in mind that there’s a grace period to follow before it’s time to pay a loan back. This is the period of time after your graduation before your payment is due. When you stay on top of this, this will help you to maintain better financial control so that you don’t incur any extra fees or bad credit marks.

Most families simply can’t pay for their education without taking out student loans. A student loan will help finance the cost of a college education.

Do not panic when you are faced with paying back student loans. You could lose a job or become ill. Virtually all loan products offer some form of a forbearance or deferment option that can frequently help. But bear in mind that interest will still accrue, so consider making whatever payments you can to keep the balance in check.

TIP! If an issue arises, don’t worry. Many issues can arise while paying for your loans.

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

If you wish to repay student loans in advance, deal with the ones with the highest interest rates first. If your payment is based on what loans are the highest or lowest, there’s a chance you’ll be owing more at the end.

TIP! Focus initially on the high interest loans. If you get your payments made on the loans that have the lowest or the highest, it can cost you extra in the end.

Don’t panic if you get caught in a loan repayments. Unemployment or a health emergencies can happen at any time. There are options like forbearance and deferments available for such hardships.Just be mindful that interest continues to accrue in many options, so try to at least make payments on the interest to prevent your balance from growing.

It is important to know how much time after graduation you have before your first loan payment is due. Stafford loans offer loam recipients six months. For a Perkins loan, this period is 9 months. Other types can vary. Understand when your first payments will be due so that you can get on a schedule.

Higher Interest Rate

Figure out what will work best for your situation. In the majority of cases, student loans offer a 10 year repayment term. If this won’t work for you, there may be other options available. You might get more time with higher interest rates. You may be able to make your payments based on percentage of your income after you get a job. Certain student loans forgive the balances once 25 years are gone by.

TIP! Choose your payment option wisely. A lot of student loans let you pay them off over a ten year period.

Pay your student loans using a two-step process. Begin by figuring out how much money you can pay off on each of your loans. Second, you will want to pay a little extra on the loan that has the higher interest rate, use it to make extra payments on the loan that bears the higher interest rate rather than the one that bears the highest balance. This will make it to where you over time.

Go with the payment plan that best suits your needs. Many student loans come with a ten year length of time for repayment. You may discover another option that is more suitable for your situation. It is sometimes possible to extend the payment period at a higher interest rate. You could start paying it once you have a job. It’s even the case that certain student loans are forgiven after a certain time period, typically 25 years.

Focus on the high interest loans.If you base your payment on which loans are the lowest or highest, it can cost you extra in the end.

Pay off the largest loan to reduce the total principal. When you reduce your overall principal, you wind up paying less interest over the course of the loan. Focus on paying off big loans first. When a large loan is repaid, just start paying on the next ones you owe. When you make an effort to pay off your largest loans with the largest payments possible and pay the minimum on smaller loans, you’ll find that it is much easier to eliminate your debt.

Stafford loans typically give you six month grace period. Other types of loans can vary. Know when you are to begin paying on time.

Anyone on a budget may struggle with a loan. Loan rewards programs can help a little with this, however. For instance, look into the Upromise programs called SmarterBucks and LoanLink. These give you rewards that you can apply toward your loan, so it’s like a cash back program.

Student Loans

If you wish to get your student loan papers read quickly, be sure that your application is filled out without errors. Incorrect or inaccurate information will only delay the process, and that may result in your schooling pushed back to the following semester.

TIP! If you wish to get your student loan papers read quickly, be sure that your application is filled out without errors. Incorrect or inaccurate information will only delay the process, and that may result in your schooling pushed back to the following semester.

Select a payment arrangement that works well for you.Many student loans offer a decade-long payment term. There are often other options if you can’t do this. You might be able to extend the plan with higher interest rates. You might even only have to pay a certain percentage once the money flows in. There are even student loans that will be forgiven if you have not got them paid in full within 25 years.

Get rid of thinking that defaulting on a loan means freedom. The government will often still get its money back anyway. For instance, it can place a claim on your taxes or benefits in Social Security. The government even has the right to take up to fifteen percent of what it deems your disposable income. Most of the time, not paying your student loans will cost you more than just making the payments.

TIP! Do not think that you can just default on student loans to get out of paying them. There are ways that the government can collect the money against your wishes.

Choose payment options that is best serve you. Many student loans will offer a 10 year length of time for repayment. There are other ways to go if this doesn’t work. For instance, you could extend the amount of time you have to pay, however you will probably have a higher interest rate. You might also be able to pay just a percentage of the money you begin making money. Certain types of student loan balances just get simply forgiven after a quarter century has gone by.

Do not simply apply for loans and let that be the end of it. You should save money and look for grants and scholarships too. Lots of great websites exist that can give you the help you need to connect with the providers of grants or scholarships that match your credentials. Start searching right away to be prepared.

TIP! Never rely solely on student loans in order to pay for college. Scholarships or grants can be a great way of reducing the amount of money you ultimately have to borrow.

The idea of monthly student loan every month can be somewhat daunting for someone on an already tight budget. There are loan reward programs that can help with payments. Look at websites such as SmarterBucks and LoanLink programs that can help you.

Do not make errors on your aid application. This will determine how much money you get. If you’re unsure, go to your school’s financial aid representative.

Many people get student loans without reading what they are signing. This is a simple way that lenders use to get more than they should.

You can use your student loan money more efficiently by purchasing meal plans that group meals together instead of charging dollar amounts. This allows you to not worry about what’s on your plate each time you eat because each meal is a flat rate.

TIP! To maximize the use of your student loan, purchase a meal plan which is based on the meal instead of how much it costs. This will prevent getting charged for extras and allows you to just pay a flat price for every meal you eat.

Stafford and Perkins are the best that you can get. These two are the most affordable and the safest. This is a great deal because while you are in school your interest will be paid by the government. The Perkins loan has a small five percent. The Stafford loan only has an interest rate that does not exceed 6.8%.

Stay in touch with the lender. This is important as you will want to know all of the information on your loan and what stipulations are involved in your payback plan. You may even get helpful advice about paying back your loan.

TIP! Communicate with the lender or whoever is making the loan to you. This way, you will have a relationship with the person with whom you will be dealing.

Student loans make college more affordable, but they do need to be paid back. Many borrow without thinking of how they’ll repay them. Use the tips in this article to get an education with breaking the bank.

Try finding a job you can do on campus to help augment income you receive from student loans. You may be able to pay for some things yourself, and you will have a little extra money to hang out with friends.

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