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: June 14, 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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Finding A Good Deal On A Student Loan

Make sure you stay on top of applicable repayment grace periods. 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 knowledge of when your payments are scheduled to begin will avoid incurring any penalties.

Getting a high quality education takes you succeed in life. Read on so you can understand how you’ll be able to attend school!

Read the fine print on student loans. This will help you with your balance and repayment status. These important items are crucial when it comes time to pay back the loan. It is your responsibility to add this information into your budget plans.

TIP! Always know the pertinent details of your loans. Keep a running total on the balance, know the repayment terms and be aware of your lender’s current information as well.

Always know all of the key details of any loan you take out. You need to watch what your balance is, who the lender you’re using is, and what your repayment status is. These details affect your loan. This is must-have information if you are to budget accordingly.

You don’t need to worry if you cannot pay for your student loans because you are unemployed. Most lenders will let you postpone payments when experiencing hardship. This might increase your interest rate, though.

TIP! There is hope for you if you find yourself in a tight financial spot where you cannot keep up with student loan payments. Generally, your lender will work with you during difficult situations.

Don’t discount using private financing for your college years. There is not as much competition for this as public student loans even if they are widely available. Explore the options within your community.

If you can pay off any loans before they are due, pay off the ones with the highest interest first. If you focus on balances instead, you might neglect how much interest you accrue over time, still costing you money.

TIP! If you want to pay off student loans before they come due, work on those that carry higher interest rates. If you pay off the wrong loans first, you could end up paying more than you need to.

Focus initially on paying off student loans with high interest loans. If you get your payments made on the loans that have the lowest or the highest, you could end up paying more than you need to.

Select a payment option that works best for your situation. Most lenders allow ten years to pay back your student loan in full. Other options may also be available if that doesn’t work out. You may need to extend the time you have to repay the loan. This often comes with an increase in interest. Some student loans will base your payment on your income when you begin your career after college. Certain student loan balances just get simply forgiven after a quarter century has gone by.

Stafford loans have a period of six months. Other student loans can vary. Know when you will have to pay them back and pay them on your loan.

Monthly student loans can seen intimidating for people on tight budgets already. There are rewards programs that can help. Check out programs from Upromise such as SmarterBucks and LoanLink. This can help you get money back to apply against your loan.

TIP! Monthly loan payments after college can be very intimidating. Loan programs with built in rewards will help ease this process.

Select the payment option that is best for you. Many student loans come with a ten year payment plans. There are other options if this is not right for you.For instance, you can possibly spread your payments over a longer period of time, your interest will be higher. You could also have to pay back a percentage of the money you make when you get a job. Some student loan balances get forgiven after 25 years.

Increase your credit hours if possible. The more credits you get, the faster you will graduate. This helps you shave off some of the cost of your loans.

TIP! To maximize the value of your loans, make sure to take the most credits possible. As much as 12 hours during any given semester is considered full time, but if you can push beyond that and take more, you’ll have a chance to graduate even more quickly.

Get the maximum bang for the buck on your student loans by taking as many credit hours 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 minimize the amount of loan amounts you need.

Far too often people will rush into signing the student loan paperwork without carefully analyzing the terms and conditions of the loan. 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.

Many people apply for student loans and sign paperwork without reading what they are getting into. This is one way a lender may collect more than they should.

Be aware that you may need a co-signer for a private loan if your credit isn’t good. It’s imperative that you make your payments on time. If you don’t keep up, your co-signer will be responsible, and that can be a big problem for you and them.

TIP! Applying for a private loan with substandard credit is often going to require a co-signer. You must pay them back! Otherwise, the co-signer will also be on the hook for your loans.

Keep in mind that the school you attend could have a hidden agenda when they recommend certain lenders. Schools sometimes allow lenders use the name of the school. This may not the best deal. The school might get an incentive if you use a commission for your loan. Make sure to understand all the subtleties of a particular loan prior to accepting it.

A PLUS loan is a loan that can be secured by grad students as well as their parents. The interest rate won’t be any larger than 8.5%. Although this is greater than Perkins loans and Stafford loans, it’s much better than the private loan rates. This may be a suitable option for your situation.

TIP! Parents and graduate students can make use of PLUS loans. The interest rate is no greater than 8.

Don’t think that you won’t have to pay your loans to free up money. The government will often still get its money in many ways. They can take your taxes or Social Security. The government may also lay claim to 15 percent of your income. You could end up worse off in some cases.

Keep in mind that the school may have reasons of its own for suggesting you use certain lenders. Some schools let private lenders use the name of the school. This can mislead you if you are not careful. The school may get some kind of a payment if you go to a lender they are sponsored by. Be sure you know what a loan is all about before you decide to utilize it.

TIP! Your school could have an ulterior motive for recommending you pursue your loan through particular lenders. Some colleges permit private lenders to utilize the name of the school.

Never depend totally on a loan to pay for college. Save money up in advance and do not forget to apply for scholarships. There are a number of good scholarship matching websites that offer information about available grants and scholarships. Make sure to start your search soon so you can be prepared.

Don’t buy into the notion that you can default on your loans to free up money. The government will come after you. For instance, it can place a claim on your taxes or benefits in Social Security. They can also take a chunk of the disposable income you have. Usually, you will wind up being worse off than you were previously.

TIP! Do not think that defaulting will relieve you from your student loan debts. The government has a lot of ways it can try to get its money back.

Stay in contact with the bank who loaned you money. This is important as you need to know all of the information on your loan and stipulations within your repayment plans. Your lender should also be able to provide you with valuable repayments tips for repayment.

Don’t finance your whole college education by using student loans. 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. Locate the numerous scholarship matching websites designed to assist you in locating the perfect scholarships and grants. Try not to delay and get out and get looking as quickly as possible.

Student Loans

Always stay connected to your lenders. This way, you will have a relationship with the person with whom you will be dealing. The lender could also teach you some things about how you’re going to repay your debt.

TIP! Make sure the lender always has your updated contact information. You must know all that you can about your loan, and this includes all requirements, possible penalties, etc.

As stated above, a higher education is difficult for some to obtain due to the costs. This will help reduce the worry that you have about student loans. Make sure this advice is handy when you start to get student loans yourself.

Rather than depending only on your student loans during school, you should bring in extra money with a part time job. You can have some extra spending money along with being able to repay your loan.

May 13, 2021
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