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: December 3, 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
  • 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

Furthering Your Education: Student Loan Advice

Verify the length of your grace period before repayment of your loan is due. This usually means the period of time after graduation where the payments are now due. Knowing when this is over will allow you to know when to pay your payments on time so you don’t have a bunch of penalties to take care of.

Getting a high quality education takes you succeed in life. Read on so you can attend a loan and go to school!

Pay your student loans using a 2-step process. Always pay on each of them at least the minimum. Next, pay as much as you can into the balance on the loan which has the greatest interest rate. This will cut down on your liability over the long term.

TIP! Pay your student loans using a 2-step process. First, always make minimum payments each month.

Always be aware of specific loan you have. You want to keep track of your balance, your repayment status and which institutions are holding your loans. These details affect your repayment is like and if you can get forgiveness options. This information is necessary to plan your budget wisely.

If you want to pay off student loans before they come due, work on those that carry higher interest rates. Do not simply pay off the loan that has the smallest amount remaining.

Interest Rate

Check the grace period of your student loan. For example, you must begin paying on a Stafford loan six months after you graduate. For a Perkins loan, this period is 9 months. Other types of student loans can vary. Know when you are to begin paying on your loan.

TIP! It is important to know how much time after graduation you have before your first loan payment is due. The period should be six months for Stafford loans.

There are two steps to approach the process of paying off student loans. Begin by ensuring you can pay off on each of your loans. Second, pay anything extra to the loan with the highest interest rate, use it to make extra payments on the loan that bears the higher interest rate rather than the one that bears the highest balance. This will reduce how much money is spent over a period of time.

Pick a payment plan that suits your particular needs. The majority of loan products specify a repayment period of ten years. If this isn’t possible, then look around for additional options. Perhaps you can stretch it out over 15 years instead. Keep in mind, though, that you will pay more interest as a result. Some student loans will base your payment on your income when you begin your career after college. On occasion, some lenders will forgive loans that have gone unpaid for decades.

TIP! Pick a payment option that works bets for you. Most student loans have a ten year plan for repayment.

Focus initially on the high interest rates. If you solely base your repayment by which ones have a lower or higher balance, you may pay more interest that you have to.

Reduce the principal by paying the largest loans first. You won’t have to pay as much interest if you lower the principal amount. Stay focused on paying the bigger loans first. After you’ve paid your largest loan off in full, take the money that was previously needed for that payment and use it to pay off other loans that are next in line. 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 your biggest loan as soon as you can to reduce your total debt. The smaller your principal, the smaller the amount of interest that you have to pay.

Pay off student loans in terms of their individual interest rates. The highest rate loan with the most interest should be paid first. Using the extra cash available can get these things paid off quicker later on. There are no penalties for repaying sooner than expected.

Having to make a monthly student loan payment is hard for a budget that is already stretched thin. That can be reduced with loan rewards programs. Look at websites such as SmarterBucks and LoanLink to learn about this kind of program offered by Upromise. These are essentially programs that give you cash back and applies money to your loan balance.

TIP! The concept of making payments on student loans each month can be frightening when money is tight. Loan rewards programs can help a little with this, however.

Reduce the total principal by paying off as fast as you can. Focus on paying the big loans off first.Once you pay off one big loan, you can transfer the next payments to the ones that are next in line. When you make minimum payments against all your loans and pay as much as possible on the largest one, you’ll find that it is much easier to eliminate your debt.

To get a lot out of getting a student loan, get a bunch of credit hours. Sure a full time status might mean 12 credits, but if you can take 15 or 18 you’ll graduate all the quicker. This helps you reduce the amount you need to borrow.

TIP! To make the most of a loan, take the top amount of credits that you can. You may be able to scrape by with 12 hours, but try to at least carry 15 per semester.

The thought of paying on student loans each month can be daunting. There are rewards programs that can help with payments. Look at websites such as SmarterBucks and LoanLink via Upromise.

If you want your application for a student loan to be processed quickly, ensure that the forms are filled out completely and accurately. Your application may be delayed or even denied if you give incorrect or incomplete information.

TIP! Fill your application out accurately to get your loan as soon as possible. Incorrect or incomplete loan information can result in having to delay your college education.

Get many credits each semester as you can. Full-time status is usually 9-12 hours per semester, take a few more to finish school sooner. This helps you keep to aminimum the amount you need to borrow.

Stafford and Perkins loans are the most advantageous federal loans to get. This is because they come with an affordable cost and are considered to be two of the safest loans. One of the reasons they are so popular is that the government takes care of the interest while students are in school. The Perkins loan has an interest rate of five percent. On Stafford loans that are subsidized, the loan will be fixed and no larger than 6.8%.

TIP! The Perkins Loan and the Stafford Loan are both well known in college circles. These two are considered the safest and most affordable.

Be sure to fill your 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.

If you apply for a private student loan and your credit is not that great, you are going to need someone to co-sign for you. You must pay them back! If not, the cosigner is accountable for your debt.

TIP! If you don’t have very good credit and need a student loan, chances are that you’ll need a co-signer. It is vital you keep current with all your payments.

If your credit is abysmal and you’re applying for a student loan, you will require a co-signer. It is very important that you make all of your payments. If you can’t pay, the cosigner is accountable for your debt.

Your school may want you to borrow from certain lenders. In some cases, a school may let a lender use the school’s name for a variety of reasons. This is frequently not the best deal. Your school may already have a deal going with a particular lender. Make sure you are aware of all the loan’s details before you decide to accept it.

TIP! Some schools get a kickback on certain student loans. Many institutions allow selected private lenders to use the school name in their promotions.

Don’t rely on student loans for financing your college experience. Save money up in advance and look into scholarships you might qualify for. There are a number of good scholarship matching websites that offer information about available grants and scholarships to suit your needs. Make sure to start your search process early.

Make sure you fully grasp all repayment options. If it’s going to be hard for you to survive after graduation, think about acquiring graduated payments. This makes it so that your early payments are smaller and will gradually increase as your earning potential rises.

TIP! Look into all of your repayment options. If you think monthly payments are going to be a problem after you graduate, then sign up for payments that are graduated.

Stay connected to lenders or people that supply you the money.This is key because you need to know all the particulars with regard to the loan and the terms regarding its repayment. Your lender can also give you tips to repay your loan more information.

Try finding a job at your college to help augment student loans costs. 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! 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.

Understand the options you have in repaying your loan. If it’s going to be hard for you to survive after graduation, ask about graduated payments. This makes it so that your starting payments will be small and gradually increase over time when you hopefully are earning more money.

Know when and how much you will need to begin repaying. You may qualify for a deferment or forbearance, depending upon your situation. Know all your options as well as your lender expectations. Before putting your signature on the loan agreement, it is wise to understand all the details.

TIP! Know the ins and outs of the payback of the loan. There are grace periods, forbearance and other possibilities.

Going to college is the dream of many, but the high tuition cost makes it hard. Now that you know how student loans are able to help you, there is no need for you to worry over how you can afford college. Think about these tips when engaging in the student loan process.

Contact the lender quickly if you suspect you will find it difficult to make your payment on time. As long as the lender sees that you are making an effort up front, they will typically be much more interested in helping your credit to remain in good standing. Your payments could be deferred or even reduced and modified.

November 15, 2020
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