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: March 18, 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

Everything You Ought To Know About Student Loans

If you have any student loans, it’s important to pay attention to what the pay back grace period is. The grace period is the time you have between graduation and the start of repayment. When you know what it is, you will have time to make a payment plan that will help you pay on time without penalties.

Student loans are usually essential to affording a necessary part of the college experience. The following paragraphs detail what you need to know about getting and managing student loans.

Always figure out what the details of the loans you have out are. Keep track of this so you know what you have left to pay. These details affect your repayment options. This information is essential to creating a workable budget.

TIP! Make sure you understand the fine print related to your student loans. You need to watch what your balance is, who the lender you’re using is, and what the repayment status currently is with loans.

Know how long of a grace period built into having to pay back any loan. This usually means the period after your graduation where the payments are now due. Knowing when this allows you to know when to pay your payments on time so you can avoid penalties.

Keep in contact with the lender. Update them anytime you change your email, name, address, or phone number, which is common in college. Read all of the paperwork that comes with your loan. You need to act immediately if a payment is needed or other information is required. If you miss important deadlines, you may find yourself owing even more money.

TIP! Stay in touch with the lender. Let them know if your number, email or address changes, all of which occur frequently during college years.

Always know all the information pertinent details of your loans. You need to watch what your balance is, check your repayment statuses, and know your lenders. These facts will determine your loan repayment options. This will allow you are to budget effectively.

You don’t need to panic if a problem arises during repayment of your loans. Unemployment or a health problem can happen to you from time to time. Virtually all loan products offer some form of a forbearance or deferment option that can frequently help. Still, remember that your interest will have to be paid back, so try and pay what you can, when you can.

TIP! Do not panic when you are faced with paying back student loans. Job loss and health crises are bound to pop up at one point or another.

Stay in touch with your lender. Make sure you let them know your contact information changes. Take any and all actions are necessary as soon as you can. You may end up spending more money than necessary if you miss anything.

When you graduate, know how much time you have before you have to start making payments on your loans. For Stafford loans, the period is six months. For Perkins loans, you’ll have a nine month grace period. Other loans will vary. Be aware of exactly when you must start making payments, and be sure to make those payments on time!

TIP! Know what the grace period is before you have to start paying for your loans. Stafford loans offer a period of six months.

Don’t be driven to fear when you aren’t able to make a loan payment. Job loss and health emergencies are part of life. There are forbearance and deferments for most loans. Just remember that interest is always growing, so try to at least make payments on the interest to prevent your balance from growing.

Go with the payment plan that best suits your needs. Many student loans will offer a 10 year repayment plan. If you don’t think that is right for you, look into other options. For instance, you can take a longer period to pay, but that comes with higher interest. Think about what you “should” be making in the future and carefully go over everything with a trusted adviser. Some loan balances for students are let go when twenty five years have gone by.

Loans Offer

When paying off your student loans, try paying them off in order of their interest rates. The one carrying the highest APR should be dealt with first. Apply any extra dollars you have to pay off student loan balances faster. The is no penalty for early repayment.

TIP! Look to pay off loans based on their scheduled interest rate. Pay off the highest interest student loans first.

Choose the payment plan that you will be able to pay off. Many of these loans offer 10-year payment plans. There are many other choices available if you need a different solution. You might get more time with a greater interest rate. You might be eligible to pay a certain percentage of income once you make money. Some balances on student loans offer loan forgiveness after a period of 25 years.

Reduce the principal when you pay off the biggest loans first. That means you will generally end up paying less interest. Concentrate on repaying these loans before the others. After paying off the biggest loan, use those payments to pay off the next highest one. When you apply the biggest payment to your biggest loan and make minimum payments on the other small loans, you have have a system in paying of your student debt.

Many people will apply for their student loans and sign paperwork without really understanding what they are signing. This is one way for you to get scammed.

The concept of making payments on student loans each month can be frightening when money is tight. There are rewards programs that can help. LoanLink and Upromise are two of these great programs. They will make small payments towards your loans when you use them.

TIP! Anyone on a strict budget who is facing the repayment of a student loan is put in a difficult situation. Loan programs with built in rewards will help ease this process.

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

To maximize the value of your loans, make sure to take the most credits 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. This helps reduce the total of loans.

TIP! To get a lot out of getting a student loan, get a bunch of credit hours. Full-time is considered 9 to 12 hours per semester, take a few more to finish school sooner.

If your credit is abysmal and you’re applying for a student loan, you might need a cosigner. It is very important that you make all your payments in a timely manner. If you miss a payment, your co-signer will also be liable.

Be sure to read and understand the terms of any student loans you are considering. You must, however, ask questions so that you know what is going on. Lenders sometimes prey on borrowers who don’t know what they are doing.

Certain Lenders

If you want your application for a student loan to be processed quickly, ensure that the forms are filled out completely and accurately. If you give wrong or incomplete information, it can slow down processing and you may not be able to start when you planned. This can put you behind by a year.

TIP! Be sure to fill your student loan application correctly. If you give information that is incomplete or incorrect, it can delay the processing, which means that you could end up unable to begin a semester, putting you half a year behind.

Keep in mind that your school may have other motivations when they recommend certain lenders. There are institutions that actually allow certain lenders to utilize the school’s name. This may not be in your best deal.The school might get money if you go with particular lender. Make sure you grasp the nuances of any loan prior to accepting it.

Banish the notion that defaulting on your student loans means freedom from debt. The government has a lot of ways it can try to get its money back. For instance, it may garnish part of your annual tax return. The government even has the right to take up to fifteen percent of what it deems your disposable income. Most of the time, it will results in a worse financial situation for you.

TIP! Going into default on your loans is not a wise idea. The government will come after you.

Do not think that defaulting will relieve you from your student loans to get out of paying them. The federal government can get back this money if they want it. They can take your income taxes at the end of the year. The government can also has the right to claim to 15 percent of all your income. You could end up worse off than before in some circumstances.

Be very cautious about private student loans. Terms are usually unclear in these loans. It may be that you are unaware of them until it is too late. And at that moment, it may be too late to do anything about it. Obtain as much information with regard to the terms as possible. If you like an offer, see if other lenders will give you an even better one.

TIP! Be very cautious about private student loans. The exact terms may not be spelled out clearly.

Stay in contact with your loan. This is important because you will want to know all of the information on your loan including what is stipulated by your payback plan. Your lender can also be able to provide you with valuable tips to repay your loan more effectively.

When filling out the student loan paperwork, it is very important that you check it for accuracy. This will impact the types of student loans that are offered to you. If there is any doubt in your mind that you filled it out right, you should consult a financial aid rep at your school.

TIP! When completing the application for financial aid, be sure to avoid making any errors. This will impact the types of student loans that are offered to you.

Make sure you know the details of your repayment options.If it’s going to be hard for you to survive after graduation, then sign up for payments that are graduated. Your initial payments will be smaller and slowly rise as you hopefully earn more.

Only pay for the meals that you eat; get a meal plan to save money. You can prevent yourself from getting charged for dining hall extras, since you will just pay a flat fee for every meal you have.

TIP! Get a meal plan on campus; this will save you money in the long run. This means that you won’t get gouged for extras in the dining hall line, instead just paying one flat fee for each meal that you eat.

Try to get a job you can do on campus to help augment income you receive from student loans. This can offset your expenses somewhat and also give you must borrow.

Always know your repayment options. If you believe finances will be tight after graduation, try to get a graduated repayment plan. This will allow you to make smaller payments when you start out, and then things will increase later when you are making more money.

TIP! Look into all of your repayment options. If you expect it to be a struggle to make ends meet financially right after you finish school, consider signing up for graduated payments.

Because it costs a lot to attend school, many people will need to finance their education with a loan. Student loans are much easier to get when you have the right ideas in mind. Lucky for you, you have found this article, so you can implement the information it presents. Find the right student loan so you can have the education you want.

Don’t get into a panic if you see a large balance you have to pay back when you get student loans. Still, remember that you can handle it with consistent payments over time. As long as you stay on track with working so that you have money to pay back the loan, you will be in control when it’s time to pay.

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