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: November 21, 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 Should Know When It Comes To Student Loans

Know what kind of grace periods your loans offer. The grace period is the amount of time between your graduation date and date on which you must make your first loan payment. Having this information will help you avoid late payments and penalties.

Some people find it necessary to rely on student loan to get the education they desire.This article has tips to help you learn more familiar with student loans.

If you can’t make a payment on your loans because of unforeseen circumstances, don’t worry. A lot of times, if you can provide proof of financial hardship, lenders will let you to delay your payments. However, this can make it to where you have higher interest rates and more to pay back.

TIP! Don’t fret when extenuating circumstances prevent you from making a payment. Generally, your lender will work with you during difficult situations.

Always keep in contact with all of your lenders. Make sure you let them know your current address and phone number.Take any requested actions needed as soon as possible. You can end up spending more money otherwise.

Don’t be driven to fear when you get caught in a snag in your loan repayments. You will most likely run into an unexpected problem such as unemployment or hospital bills. Keep in mind that forbearance and deferment options do exist with most loans. However, the interest will build during the time you are not making payments.

TIP! Do not panic when you are faced with paying back student loans. Life problems such as unemployment and health complications are bound to happen.

Don’t worry if you from making a payment. Most lenders have options for letting you if you lose your current hardship. Just be mindful that the interest rates may rise.

When paying off student loans, do it using a two-step process. Always pay on each of them at least the minimum. Next, make sure to apply additional funds to loans bearing the highest rates of interest, not necessarily the loans with the greatest balance. This will reduce how much money spent over time.

Don’t eschew private student loans for college. There is not as much competition for public loans.Explore any options in your community.

The best way to pay down your student loan debt early is to focus on the loans that come with a higher interest rate. If you try to pay off the ones with the lowest balances first, you may pay more interest that you have to.

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

Know what the grace period is before you have to start paying for your loans. Stafford loans offer six months of grace period. Perkins loans offer a nine month grace period. Other loans vary. Make certain you are aware of when your grace periods are over so that you are never late.

TIP! Be mindful of the exact length of your grace period between graduation and having to start loan repayments. Many loans, like the Stafford Loan, give you half a year.

Pay the large loans off as soon as you can to reduce your total debt. 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 get rid of the debts from your student loans systematically.

Pick out a payment option that you know can meet the needs you have. The ten year repayment plan for student loans is most common. There are other choices available if this is not preferable for you. You can pay for longer, but it will cost you more in interest over time. You may be able to make your payments based on percentage of your income after you get a job. The balances on some student loans have an expiration date at 25 years.

TIP! Choose your payment option wisely. Many student loans offer 10-year payment plans.

The concept of paying on student loans can be frightening when money is tight. A good loan rewards program may help things. Look at websites such as SmarterBucks and LoanLink programs that can help you.

Pay off big loans with higher interest rates first. If you don’t owe that much, you’ll pay less interest. Pay off larger loans first. After you have paid off the largest loan, begin paying larger payments to the second largest debt. The quickest way to pay down these loans is to tackle the largest one first, but keep making payments to the smaller ones in order to quickly pay down the entire debt.

TIP! Your principal will shrink faster if you are paying the highest interest rate loans first. When you owe less principal, it means that your interest amount owed will be less, too.

If your credit is sub-par, you may need a cosigner. It is vital that you keep up with all of your payments. If you do not do so, then the co-signer is going to be responsible for the debt you have.

The concept of making payments on student loans each month can be frightening when money is tight. Rewards programs can help. Check out programs from Upromise such as SmarterBucks and LoanLink. These work like cash back programs, and the money you spend earns rewards that can be applied toward your loan.

TIP! If you don’t have a lot of “extra” money, student loans can really make life difficult for you. That can be reduced with loan rewards programs.

One form of student loan that is available to parents and graduate students is the PLUS loan. The highest the interest doesn’t rise above 8.5%. This is a bit higher than Perkins and Stafford loan, however it’s better than most private loans. This makes it a good option for students further along in their education.

Stafford and Perkins are the best loan options. They tend to be affordable and entail the least risk. They are favorable due to the fact that your interest is paid by the government while you are actually in school. The Perkins Loan has an interest rate of five percent. Subsidized Stafford loans have an interest rate cap of 6.8%.

TIP! Stafford and Perkins loans are two of the best that you can get. They are the safest and least costly loans.

Your college may have an ulterior motive for recommending you pursue your loan through particular lenders. Some schools allow private lenders use the school’s name. This is frequently not be in your best interest. The school might be getting payment if a student signs with certain lenders. Make sure you grasp the nuances of any loan prior to accepting it.

Defaulting on a loan is not freedom from repaying it. The federal government will go after that money in many ways. For instance, it may garnish part of your annual tax return. It could also get part of your income as well. In a lot of cases, you’ll be in a worse place than you already were.

TIP! Defaulting on a loan is not freedom from repaying it. The Federal government will be able to recover the money through multiple options.

Double check all applications for mistakes before you submit it. This is important because any mistakes could affect how much aid you are offered. Ask someone for help if you need it.

Do not rely on student loans in order to fund your entire education. You should also save up your money and go after scholarships and grants. There are many valuable scholarship sites to tap into. Be sure to begin your search as soon as possible in order to be prepared.

TIP! Never depend totally on a loan to pay for your schooling. Save money wherever possible and look into scholarships you might qualify for.

Get a meal plan on campus; this will save you money in the most of your student loans.This will prevent getting charged for extra dining money since it’s just a flat fee for every meal.

Do not make errors on your aid application. This is something to be careful with because you may get less of a student loan if something is wrong. 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! Be sure to double check all forms that you fill out. If you do not fill it out correctly, you may not get as much money from the school.

Stay in contact with the lender providing your lender. This is important as you should know all of the information on your loan including what is stipulated by your repayment plan. Your lender should also be able to provide you with valuable tips to you.

A great way to stretch out your student loan money is by getting a meal plan, rather than one where you pay for each individual meal. Rather than paying for costly meals each time you sit down to eat, you pay one flat fee that covers everything.

Try finding a job to keep an income you receive from student loans.This will assist your expenses somewhat and reduce the amount of money you some spending money.

When you have big student loan looming with a big balance, try not to go into panic mode. This may seem overwhelming; however, you can gradually pay it back. Take each bill as it comes, and try not to focus on the total number. You will get the amount down soon enough.

TIP! Don’t panic if you find yourself facing a large student loan balance needing to be paid back. It may seem like a huge balance looking at the whole thing; however, you will be paying it back gradually over an extended period of time.

Do not be overcome with concern if your best to avoid panicking when you have a large sum of money to repay on a student loan balance seems insurmountable. This amount may seem large at first glance, but it will be paid back gradually over a long period of time.

Know when and how much you will need to begin repaying. Some types of loans have a designated grace period or are eligible for a forbearance or other options. Know your options and what expectation the lender has. You need to figure out what to do about these things prior to signing anything.

TIP! Always make sure you’re in the know about the payback terms. Loans vary concerning grace periods.

Make sure you understand repayment terms are. You should know what your options and exactly what is expected of you. You should find out this before signing anything on the dotted line.

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. Grades earned in dual credit classes and Advanced Placement tests can help you skip some college classes, resulting in fewer hours needing to be paid for.

Student Loans

To get more returns from student loans, try taking online classes along with classes in a college building. You can work these in around your regular courses and anything else you are doing. That way, you can get the most possible hours in each semester.

TIP! Take online classes to offset the cost of student loans. This will let you add more hours and schedule assignments around your regular schedule.

Student loans are often necessary and important to the college process. Since reading this article, you can make better choices. Apply this guidance as you seek your own student loans.

Prior to seeking loans from private sources, complete an application for federal loans. Federal loans come with advantages like a fixed interest rate. It will keep your monthly payments steady. By knowing how much your payments will be, you can develop a monthly budget.

November 10, 2019
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