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: September 26, 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

Getting A Good Rate On A Student Loan

Verify the length of the grace specified in the loan. This is generally a pre-determined amount of time once you graduate that the payments will have to begin. This can also give you a big head start on budgeting for your student loan.

TIP! Know how long of a grace period is in effect before you must begin to make payments on the loan. This is important for avoiding penalties that may result.

Student loans can provide a chance at higher learning that might otherwise be unavailable to countless individuals. The ideas presented within the following paragraphs can help you make wise decisions about your educational future.

Stay in touch with your lending institution. Tell them when anything changes, such as your phone number or address. Read all letters which you are sent and emails, too. Do whatever you must as quickly as you can. Missing an important piece of mail can end up costing a great deal of money.

TIP! Speak with your lender often. Make sure they always know your address, phone number and email, all of which can change often during your college experience.

Know what kind of grace period is in effect before you must begin to make payments on the loan. This usually refers to the amount of time you are allowed after your graduation before repayments is required. Knowing when this allows you to know when to pay your payments on time so you don’t have a bunch of penalties to take care of.

If an issue arises, don’t worry. You will most likely run into an unexpected problem such as unemployment or hospital bills. Make sure you are aware of the specific terms that apply to such circumstances, such as deferments or forbearance, which are part of most loan programs. The interest will grow if you do this though.

TIP! Don’t panic when you struggle to pay your loans. You could lose a job or become ill.

Always keep in touch with all of your lender. Make sure you let them know if your current address and phone number. Take any requested actions needed as soon as possible. You may end up spending more money than necessary if you miss anything.

Paying down your student loans should be done using a two-step payoff method. Make sure you pay the minimum amount due each month. Second you should pay whatever you’re making extra to a loan that has a high interest rate, not the one with a higher balance. This will cut down on your liability over the long term.

TIP! When paying off student loans, do it using a two-step process. To begin, pay the minimum every month.

Don’t panic if you can’t make a student loan off because you don’t have a job or something bad has happened to you. Most lenders have options for letting you if you are able to document your current hardship. Just keep in mind that doing this may raise the interest rates.

Choose your payment option wisely. You will most likely be given 10 years to pay back a student loan. Check out all of the other options that are available to you. For instance, you could be given more time but have to pay more interest. You can pay a percentage once the money flows in. A lot of student loans will be forgiven after you’ve let twenty five years go by.

Don’t forgo private loans for financing a college education. There is quite a demand for this as public loans. Explore the options within your community.

When paying off your student loans, try paying them off in order of their interest rates. Pay off the highest interest rate loan first. By concentrating on high interest loans first, you can get them paid off quickly. There are no penalties for early payments.

TIP! Prioritize your repayment of student loans by the interest rate of each one. Pay off the loan with the largest interest rate first.

Don’t be driven to fear when you struggle to pay your loans. Unemployment or health problem can happen to you from time to time. There are forbearance and deferments available for most loans. Just remember that interest keeps accruing in many forms, so at least consider making interest only payments to keep balances from rising.

Make sure to understand everything about student loans before signing anything. Ask questions so that you are completely aware. This is a simple way for the lender to receive a bit more money than they are entitled to.

Focus on the high interest loans.If you pay off the wrong loans first, there’s a chance you’ll be owing more at the end.

The Stafford and Perkins loans are the best options in federal loans. These are very affordable and are safe to get. They are a great deal, because the government covers your interest while you are still in school. Interest rates for a Perkins loan will be around 5%. The Stafford loans are a bit higher but, no greater than 7%.

Stafford loans have a period of six months. Other kinds of loans can vary. Know when you are to begin paying on time.

When applying for private loans without good credit, you will need a cosigner. Staying on top of your payments is essential. Otherwise, the co-signer will also be on the hook for your loans.

TIP! If you don’t have good credit, and you are applying for a student loan from a private lender, you will need a co-signer. Keep your payments up to date.

Choose a payment option based on your financial circumstances. Many loans offer a ten year repayment plan. There are other options if this is not right for you.For instance, you can spread your payments out over more time, your interest will be higher. You may also be able to pay a percentage of your income once you begin making money. Some loans are forgiven after 25 years.

Keep your eyes open when dealing with a private student loan. The terms of such loans can be difficult to ascertain. Frequently, you are not aware of them until after executing the loan. After signing it, a loan is very hard to undo. Learn about each loan first. If you get a great offer, check with other lenders to see if they will meet or beat it.

TIP! Private student loans are very volatile. It can be difficult to figure out what the terms are exactly.

Pay off your loans in terms of interest rates.Pay off the one with the highest interest student loans first. Using any extra money you have can get these things paid off quicker later on. There are no penalty for early payments.

Don’t think that student loans should be depended on totally. Make sure you save money for your education and research grants and scholarships to help. There are websites that will help match you to scholarships and locate grants. In order not to miss some of the best ones, start looking as soon as you know you need one.

Biggest Loan

Double check all applications for errors. If you do not fill it out correctly, you may not get as much money from the school. If you think that you’re making any kind of a mistake, get into touch with your school’s financial aid representative.

TIP! Do not make errors on your aid application. It can really affect what you’ll be offered if you file in error.

Pay off your biggest loan to reduce your total debt. Focus on the largest loans off first. After you have paid off the largest loan, use those payments to pay off the next highest one. When you make minimum payments on each loan and apply extra money to your biggest loan, you’ll find that it is much easier to eliminate your debt.

Look into meal plans that let you pay per meal. This way you won’t get charged extra and will only pay one fee per meal.

TIP! In order to maximize your student loan, try not to overspend by buying meal plans which offer per year, not a dollar amount. A plan that presumes you will eat every time food is served may overcharge you.

Many folks simply would go without an education if it were not for student loans. But, without sufficient understanding of the right way to go about securing and repaying them, financial catastrophe can be just around the corner. Use these suggestions to make a wise plan.

Stay in touch with the lender providing your loan. This is key, because you will need to stay aware of all loan terms and details of repayment. It is also possible that the lender offers you advice with regard to repayment.

iMARKET COACHING

iMarket Coaching is an online amplification platform dedicated to promoting the efforts of individuals seeking to use knowledge from life experiences to grow profitable and impactful coaching businesses.

P.O. Box 78072
Atlanta, Ga. 30309
coaching@imarketsupport.com

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