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: April 13, 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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Facts About Student Loans You Need To Know About

Be aware of the grace period that you have before you have to pay back your loan. This is typically a six to nine month period after your graduation before repayments start. When you have this information in mind, you can avoid late payments and penalty fees.

TIP! Find out when you must begin repayments. This is generally the period after graduation when the payments are due.

Does the price of education scare you? You may question how anyone can afford all of these expenditures. Many people take out student loans to pay for school. You may qualify for one as well, and this article can help.

Maintain contact with your lender. Always let them know when you change your phone number, mailing address or email address, and these things can happen often when you are in college. Do not neglect any piece of correspondence your lender sends to you, whether it comes through the mail or electronically. Take any requested actions as soon as you can. It can be quite costly if you miss anything.

TIP! Keep in close touch with your lender. Make sure you update them with your personal information if it changes.

Know what kind of grace period is in effect before you must begin to make payments on the loan. This usually means the period of time after graduation where the lender will ask that your payments need to start. Knowing when this is over will allow you to make sure your payments on time so you don’t have a bunch of penalties to take care of.

Do not overlook private sources of funds for college. While public loans for students are available widely, there is a lot of competition and demand for them. A private student loan has less competition due to many people being unaware that they exist. Seek out what sorts of options there may be in your local area.

TIP! Don’t discount using private financing to help pay for college. There are lots of student loans available, and there is also a lot of demand and a lot of competition.

Don’t worry if you from making a student loan off because you don’t have a job or something bad has happened to you. Most lenders can work with you put off payments if you are able to document your current hardship. Just remember that doing this may raise interest rate on your loan.

Don’t panic when you struggle to pay your loans. Anything can come up and interfere with your ability to pay, such as a medical emergency or getting laid off from work. Remember that forbearance and deferment options are widely available on a lot of loans. But bear in mind that interest will still accrue, so consider making whatever payments you can to keep the balance in check.

Focus on the high interest rates. You definitely want to pay down the ones with the highest interest rate, the accruing interest will add up to more over time.

If you plan to prepay your loans, try to pay those with the highest interest rates first. If you get your payments made on the loans that have the lowest or the highest, it can cost you extra in the end.

Student Loans

When you graduate, know how much time you have before you have to start making payments on your loans. Stafford loans offer a period of six months. Perkins loans offer a nine month grace period. Other types of loans may vary. Know exactly the date you have to start making payments, and never be late.

TIP! Be aware of the amount of time alloted as a grace period between the time you complete your education and the time you must begin to pay back your loans. Stafford loans usually have one half year before the payments have to be made.

Choose payment options that is best serve you. Many student loans offer 10 year length of time for repayment. There are other ways to go if this doesn’t work. For instance, you might secure a longer repayment term, but this will increase your interest. You might also be able to pay a percentage of your income once you begin to earn. Some student loans are forgiven after a 25-year period.

Pick out a payment option that you know can meet the needs you have. Many student loans come with a 10-year plan for repayment. Check out all of the other options that are available to you. Understand if you choose a longer repayment period you will end up having to pay more in interest. After you begin to make money, you might be able to use a certain percentage of that income to help pay down the student loan. Some student loan balances are forgiven after twenty five years has passed.

Be sure to fill your loan applications neatly and properly to avoid any delays in processing.Incorrect and incomplete loan information can result in having to delay your education.

Go with the payment plan that best suits your needs. Most student loans allow for repayment over ten years. There are other options if this doesn’t work. You could extend the payment duration, but you’ll end up paying more. You may also have the option of paying a percentage of income you earn once you start earning it. It’s even the case that certain student loans are forgiven after a certain time period, typically 25 years.

TIP! Make certain that the payment plan will work well for you. Many student loans will offer a 10 year repayment plan.

Stafford and Perkins are the most advantageous federal loans to get. These are considered the safest and are safe to get. This is a great deal that you are in school your interest will be paid by the government. Interest rates for a Perkins loan is five percent. The Stafford loans are subsidized and offer a rate of 6.8 percent.

Lower your principal amounts by repaying high interest loans first. The less principal that is owed, the less you’ll have to pay in interest. Make a concerted effort to pay off all large loans more quickly. After you’ve paid off a large loan, you can transfer your payments to the second largest one. Make minimal payments on all your loans and apply extra money to the loan with the greatest interest in order to pay off all your loans efficiently.

TIP! Pay off larger loans as soon as possible. That means you will generally end up paying less interest.

If you don’t have very good credit and need a student loan, you’ll most likely need to use a co-signer. You must be current on your payments and never miss one. If you don’t do this, the co-signer will be responsible for the payments.

A PLUS loan is a loan that can be secured by grad students as well as their parents. The PLUS loans have an interest rate below 8.5%. This is a bit higher than Perkins and Stafford loans, but the rates are better for private loans. This makes it a great choice for more established students.

TIP! There are specific types of loans available for grad students and they are called PLUS loans. Normally you will find the interest rate to be no higher than 8.

PLUS loans are a type of loan that is available only to parents and graduate school is being funded. They bear an interest rate of 8.5 percent. While it may not beat a Perkins or Stafford loan, it still has lower interest rates than the typical personal loan.This makes it a good option for established students.

Avoid relying totally on student loans when it comes to paying for your education. You should do what you can to earn extra money, and you should also look to see what school grants or scholarships you may be eligible for. There are several great websites that offer information about available grants and scholarships. Start your search early so you’re best prepared.

TIP! Never rely solely on student loans in order to pay for college. Remember to save money and also look into scholarships and grants that may help you.

Some schools have reasons that they may try to motivate you to go toward one particular lender to get a student loans.Some let these private lenders to utilize the name of the school. This may not be in your best deal.The school might be getting payment if you go to a lender they are sponsored by. Make sure you grasp the subtleties of a particular loan prior to accepting it.

In order to maximize your student loan, try not to overspend by buying meal plans which offer per year, not a dollar amount. 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.

TIP! You can use your student loan money more efficiently by purchasing meal plans that group meals together instead of charging dollar amounts. With a meal plan based on the meal this means your meal will be a flat fee instead of a per item charge.

Do not depend entirely on student loans to finance your entire education. Save money up in advance and do not forget to apply for scholarships. There are lots of good scholarship matching websites that can help you locate just the right grants and scholarships to suit your needs. Start right away to get the best information and leave yourself enough time to prepare.

Remain in contact with whoever is providing the money. This is important because you may have questions down the line. Also, you can get great advice from your lender.

TIP! Keep in touch with your lender or whoever is giving you the money. You can learn about changes or issues that way.

Stay in touch with your lender. This is important as you should know all of the information on your loan including what is stipulated by your repayment plan. You should also ask the lender if they have any advice that will help you to pay off your loan.

Find a job at your school to help pay off your debt. You will be able to offset expenses and get more money to keep.

TIP! Look for a job that will bring in some secondary income. By doing so you will not be relying solely on a loan and will also be able to earn some spending money.

Try finding a part-time job at your college to help augment student loans costs. This will help you contribute money and avoid taking out such a dent in your expenses.

Don’t panic when you see the large amount that you owe in a student loan. It might be a huge number, but you are going to pay it back slowly. If you keep working and saving cash, you can pay them off in full force.

TIP! Do not stress too much when you see the full amount owed on your student loan. The balance looks big, but if you stretch out payments over a long length of time, it won’t look so bad.

You will find they are likely to have the financial institution work to help you if you show good faith. You might qualify for reduced payments or take a few months off.

Always be sure you understand the terms of the payback. Some loans provide a grace period or have a forbearance or other alternatives in payment. It is critical that you are aware of your options and the lender’s expectations. You need to figure out what to do about these things prior to signing anything.

Try taking dual credit classes in high school that offer college credit.

Contact the lender if you are unable to make payments. The financial institution will be far more likely to work with you to keep your account current if you are proactive in seeking their assistance. You might even be offered a reduced payment or deferral.

TIP! You should let your lender know if you are going to have trouble making a payment. They reward proactive people by being able to help them more efficiently and provide more options.

Check out all options to ensure you can use to pay on time. Pay on time to ensure your credit score high. If you can’t make your payments monthly without trouble, consolidating your student loans can help.

To keep the amount of debt you incur from student loans to a minimum, take advanced placement and/or dual credit courses when you are still in high school. These will count toward high school. If you test well enough, you will also obtain college credit.

Student Loan

Before trying to get a private loan, try getting a federal loan. There are numerous advantages to federal student loans, like the fixed interest rates offered. There aren’t any surprises with fixed rates. When interest rates are set in stone, you will have an easier time budgeting.

TIP! Prior to looking at private loans, look into federal loans. Federal loans come with advantages like a fixed interest rate.

Now you should understand the student loan process better. Use the above tips to fill out student loan forms to get the loans you need. Don’t be deterred by high tuition costs.

Always know which loans have the highest interest rate and work to pay those off first. In this way, you can prevent interest from piling up and causing an unmanageable amount of debt. Track each individual loan’s terms, balance and interest rate. After that, set a schedule to pay back the loans so you know exactly how much to pay and that you don’t send in too much.

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