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: October 27, 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
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  • 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

Everything You Ought To Know About Student Loans

Verify the length of your grace period before repayment of your loan is due. Typically this is the case between when you graduate and a loan payment start date. Knowing this will give you a head start on getting your payments in on time and avoiding hefty penalties.

Some people find it necessary to rely on student loan to get the education they desire.This article can help educate you learn more about loans.

Be sure you understand the fine print of your student loans. You want to keep track of your balance, who your lender is and any current repayment status of your loans. These details are going to have a lot to do with what your loan repayment is like and if you can get forgiveness options. Budget wisely with all this data.

TIP! Be sure you understand the fine print of your student loans. Keep track of this so you know what you have left to pay.

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

Keep in touch with the lender you’re using. Notify them if there are any changes to your address, phone number, or email as often happens during and after college. Be certain that you immediately review anything you get from your lender, be it an electronic notice or paper mail. Perform all actions to do as soon as you can. If you forget about a piece of mail or put something aside, you could be out a bunch of money.

TIP! Stay in contact with your lender. Always update them anytime your address, email or phone number changes, which can happen a lot during college.

Make sure you are in close contact with your lenders. Make sure they know if your contact information changes. Do whatever you must as soon as you can.Missing anything in your paperwork can end up costing a great deal of money.

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. When hardship hits, many lenders will take this into consideration and give you some leeway. However, you should know that doing this could cause your interest rates to increase.

TIP! If you were laid off or are hit with a financial emergency, don’t worry about your inability to make a payment on your student loan. The lenders can postpone, and even modify, your payment arrangements if you prove hardship circumstances.

Don’t panic if you aren’t able to make a slight hiccup when paying back your loans. Unemployment and health problem can happen to you from time to time. There are forbearance and deferments for most loans. Just remember that interest is always growing, so at least consider making interest only payments to keep balances from rising.

Know how long the grace period is between the date of your graduation and the date on which you must start repaying the loans. Stafford loans have a grace period of six months. Perkins loans enter repayment in nine months. Other types of loans may vary. 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. The period should be six months for Stafford loans.

Focus on the high interest loans.If you solely base your repayment by which ones have a lower or higher balance, you could end up paying more than you need to.

Increase your credit hours if possible. While 9 to 12 hours each semester is full time, you may be able to get 15 to 18 which can help you to graduate faster. The will assist you in reducing the size of your loans.

TIP! To get a lot out of getting a student loan, get a bunch of credit hours. Try to graduate as soon as you possibly can by taking 15 or 18 hours each semester.

Stafford loans offer loam recipients six months of grace period. Other kinds of student loans may have other grace periods. Know when you will have to pay them back and pay them on your loan.

Lots of people don’t know what they are doing when it comes to student loans. It’s essential that you inquire about anything that you don’t understand. You do not want to spend more money on interest and other fees than you need to.

TIP! Make sure to understand everything about student loans before signing anything. It’s essential that you inquire about anything that you don’t understand.

Pay off student loans in order of interest rates. The loan with the most interest rate should be paid off first. Using any extra cash available can help pay these loans faster. There are no penalty for repaying sooner than warranted by the lender.

If you wish to get your student loan papers read quickly, be sure that your application is filled out without errors. Incorrect or incomplete loan information can result in having to delay your college education.

Biggest Loan

Stafford and Perkins loans are two of the best that you can get. These are highest in affordability and safety. These are good loans because the government pays the interest while you are still in school. Perkins loans have an interest rate of 5%. Subsidized Stafford loans offer interest rates no higher than 6.8 percent.

TIP! The Perkins Loan and the Stafford Loan are both well known in college circles. This is because they come with an affordable cost and are considered to be two of the safest loans.

Pay off the largest loan as soon as you can to reduce your total debt. Focus on the big loans first. After paying off the biggest loan, continue making those same payments on the next loan in line. When you apply the biggest payment to your biggest loan and make minimum payments on the other small loans, you get rid of the debts from your student loans systematically.

If you do not have excellent credit and you must put in an application to obtain a student loan through private sources, you will require a co-signer. It is vital that you stay current on your payments. If you do not, you are affecting the credit of the person who went to bat for you.

TIP! Be aware that you may need a co-signer for a private loan if your credit isn’t good. Make every payment on time.

Get many credits each semester as you can. Full-time is considered 9 to 12 hours per semester, so getting between 15 and 18 can help you graduate sooner.This helps you reduce the amount you need.

PLUS student loans are offered to parents and graduate students. Their interest rate doesn’t exceed 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 great choice for more established students.

TIP! One form of loan that may be helpful to grad students is the PLUS loan. The interest doesn’t rise above 8.

Be sure to fill your student loan applications neatly and properly to avoid any delays in processing. Incorrect or incomplete information gums up the works and causes delays to your college education.

Defaulting on a loan is not freedom from repaying it. Unfortunately if you do this, the federal government will use all means necessary to recover this debt. They can take money off your tax refund, for example. In addition, they can garnish your wages and take a significant portion of your take home pay. Most of the time, not paying your student loans will cost you more than just making the payments.

TIP! Going into default on your loans is not a wise idea. The Federal government will be able to recover the money through multiple options.

Don’t think that you can default on your debt back. The federal government has a lot of ways it can try to get its money. They can take your taxes or Social Security. It could also get part of your disposable income. This will put you worse off.

Look into meal plans that let you pay per meal. Rather than paying for costly meals each time you sit down to eat, you pay one flat fee that covers everything.

TIP! If you want to stretch out your student loans a little farther, get a meal plan which deals in terms of meals instead of dollar amounts. This way you won’t get charged extra and will only pay one fee per meal.

Stay in contact with the lender. This is important because you need to know everything about your loan including what is stipulated by your repayment plan. Your lender can also be able to provide you tips to repay your loan more effectively.

Understand what options you have in repaying your loan. Securing a graduated payment agreement can make repayment of your loans easier when you graduate from college. This makes your first payments smaller and they get bigger gradually over time, when you are hopefully making more money.

TIP! Get a good ideas as to what options you have when it comes time to repaying your loans. Check out graduated payments as one option.

Make sure you know the details of your repayment options.If you think your income initially will not support your bills, you may want to consider a graduated repayment plan. Your initial payments tend to be smaller and will increase later on.

If possible, maintain a job while you are attending school. 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.

TIP! Try to get a job to make money on the side. That way you can offset some of the expenses of your education in ways other than a loan, and you can also end up with some extra pocket money to carry around.

Try to get a job you can do on campus to help augment income stream going while in school. This will assist your overall finances and also give you must borrow.

If you have a large balance on student loans, don’t panic. This may seem overwhelming; however, you can gradually pay it back. If you stay on top of it, you can make a dent in your debt.

TIP! When you discover how much money you really owe after your education is complete, try to remain calm. It might be a huge number, but you are going to pay it back slowly.

Do not stress too much when you see the full amount owed on your student loan balance seems insurmountable. This may seem overwhelming; however, but you have to pay it over time so it’s really not that bad.

Make sure you fully understand the payback’s terms. Certain loans are known for having a grace period, and some have forbearance and other repayment options. You should know your options. Find these things out before signing any documents.

TIP! Completely understand the payback terms of any loan. Loans vary concerning grace periods.

Always make sure you understand the terms of the payback. You should know all your options and exactly what is expected of you. You should find out this before signing anything on the dotted line.

Keep in touch with your lenders both while you are in school and after you leave. Let them know of changes to your address or phone number. This makes sure that you know any changes that are made involving your lender information or terms. You must also let them know if you withdraw from school, change schools, or graduate.

TIP! Stay in touch with all lenders after you finish school. If you have important contact information changes, or a name change, it is crucial that you inform your lender.

You will find they are much more likely willing to work together with you if you show good faith. You may be able to arrange a deferral or lower payments.

Try to reduce your costs by taking dual credit classes and using advanced placement. If you pass the class, you will get college credit.

Student Loans

Ahead of looking into private loans, check out federal loans. You are more likely to have fixed interest this way. When you have a fixed rate on your student loan, you do not receive any nasty surprises when loan rates fluctuate. It’s a lot easier to make long range budget plans when you have solid expectations about your loan payments.

TIP! Try to get federal loans before going to a private loan situation. Federal loans have fixed interest and better options.

As stated earlier, lots of folks need student loans to get their degrees. Since you just read a very informative article on student loans, you now have solid information on how to make the entire process simpler. Use the advice provided here to simplify the process of getting a student loan.

If your financial aid package does not cover the entire cost of attending the college of your choice you will have to take out a private loan. Make sure that you exhaust all options. Look for the best in interest rates and terms before making a final decision.

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