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: October 21, 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

Getting A Leg Up: Student Loans Tips

Stay in touch with your lending institution. Always update them anytime your address, email or phone number changes, which can happen a lot during college. Do not put off reading mail that arrives from the lender, either. Take whatever actions are necessary as soon as you can. If you miss something, it may cost you.

TIP! Always keep in touch with all of your lenders. Always update them anytime your address, email or phone number changes, which can happen a lot during college.

A student loan might prove a necessity at one point in their life. Maybe you need it now, or maybe sometime this will occur in the future. No matter what, you should learn everything you can as it pertains to getting a student loan to suit your needs.The following paragraphs are full of information you educated.

Don’t be scared if something happens that causes you to miss payments on your student loans. Many times a lender will allow the payments to be pushed back if you make them aware of the issue in your life. Just keep in mind that doing this might cause the lender to raise the interest rate on your loan.

TIP! You don’t need to worry if you cannot pay for your student loans because you are unemployed. Usually, many lenders let you postpone payments if you are able to prove hardship.

Know how long of a grace periods your loans offer. This is the amount of time after graduation where the payments are now due. Knowing this is over will allow you to know when to pay your payments are made on time so you don’t have a bunch of penalties to take care of.

Paying down your student loans should be done using a two-step payoff method. Start by making the minimum payments of each loan. After this, you will want to pay anything additional to the loan with the highest interest. That way, you will end up spending a lesser amount overall.

TIP! Work hard to make certain that you get your loans taken care of quickly. First, make sure you are at least paying the minimum amount required on each loan.

Always keep in touch with your lenders. Make sure you update them with your current address and phone number. You need to act immediately if information is required. Missing anything could make you owe a great deal of money.

Select the payment arrangement that is best for you. In general, ten year plans are fairly normal for loan repayments. Check out all of the other options that are available to you. You might be able to extend the plan with a greater interest rate. Once you start working, you may be able to get payments based on your income. A lot of student loans will be forgiven after you’ve let twenty five years go by.

TIP! Choose your payment option wisely. In the majority of cases, student loans offer a 10 year repayment term.

Don’t worry if you to miss payments on your student loans. Most lenders have options for letting you put off payments if you are able to document your job. Just be mindful that doing so could make your interest rates.

The Stafford and Perkins loans are good federal loans. They are the safest and are also affordable. They are an excellent deal because for the duration of your education, the government will pay your interest. The Perkins Loan has an interest rate of five percent. The subsidized Stafford loan has an interest rate that does not exceed 6.8%.

TIP! Stafford and Perkins are the best loan options. These are both safe and affordable.

Don’t overlook private loans 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 your credit is sub-par, you might need a co-signer for private student loans. It is vital you keep current with all your payments. If you miss a payment, then your co-signer will not be happy because they are just as responsible for these payments as you are.

Student Loans

Taking out a PLUS loan is something that a graduate student can apply for. Normally you will find the interest rate to be no higher than 8.5%. These rates are higher, but they are better than private loan rates. This is the best option for mature students.

TIP! PLUS loans are known as student loans for parents and also graduate students. These loans do not have a large interest rate compared to private loans.

Pay off all your student loans using a 2-step process. Begin by ensuring you can pay off on these student loans. Second, you will want to pay a little extra on the loan that has the higher interest rate, not the loan that has the largest balance. This will lower how much money is spent over a period of time.

You aren’t free from your debt if you default on your loans. The federal government has multiple options available to recover its money. They can take this out of your taxes at the end of the year. The government also has the right to claim 15 percent of all your income. There’s a huge chance that you could be worse than you were prior.

TIP! Forget about defaulting on student loans as a way to escape the problem. The government can get back this money if they want it.

Focus initially on paying off student loans with high interest rates. If you base your payment on which loans are the lowest or highest, you could end up paying more than you need to.

Be wary of private student loans. Understanding every bit of these loans is difficult. Frequently, you are not aware of them until after executing the loan. And at that moment, it may be too late to do anything about it. Get all the pertinent information you can. If you get an offer that’s good, speak with other lenders so you can see if they can offer the same or beat that offer.

TIP! When it comes to private student loans, exercise extreme care. Finding out the specific terms can be challenging.

Pay off your different student loans in interest-descending order. The highest rate loan should be paid off first.Using the extra money you have can help pay off quicker later on. There will be no penalty because you have paid them off a loan more quickly than warranted by the lender.

Don’t think that student loans should be depended on totally. Keep in mind that you need to put money aside and investigate grants and scholarships that may offer you some financial assistance. There are many websites available that can help match you with grants or scholarships that you may qualify for. Try not to delay and get out and get looking as quickly as possible.

TIP! You do not want student loans to be your sole source of income during you educational years. You should save money and look for grants and scholarships too.

Reduce your total principle by paying off as fast as you can. Focus on paying the largest loans up front. After you’ve paid off a large loan, begin paying larger payments to the second largest debt. When you make minimum payments against all your loans and pay as much as possible on the largest one, you have have a system in paying of your student debt.

Double check to ensure that your loan application doesn’t have errors. Your accuracy may have an affect on the amount of money you can borrow. If you have lingering doubts about the accuracy of the information you have provided, seek the insight of your school’s financial aid representatives.

TIP! When completing the application for financial aid, be sure to avoid making any errors. Your accuracy may have an affect on the amount of money you can borrow.

The idea of monthly student loan payments can be somewhat daunting for a recent grad on an already tight budget. There are rewards programs that may benefit you. Look at the SmarterBucks and LoanLink to learn about this kind of program offered by Upromise.

To make sure that your student loan dollars go as far as possible, buy a meal plan that goes by the meal rather than the dollar amount. This will prevent getting charged for extras and allows you to just pay a flat price for every meal 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. This will eliminate price gouging for extra dining money since it’s just a flat fee for every meal.

Get many credits each semester. Full-time is considered 9 to 12 hours per semester, so getting between 15 and 18 can help you graduate sooner.This helps reduce the amount of loans.

Remain in contact with whoever is providing the money. This is something you have to do so you know what your loan is all about and what you have to do to pay the loan back later on. Also, you can get great advice from your lender.

TIP! Communicate with the lender or whoever is making the loan to you. This way, you will have a relationship with the person with whom you will be dealing.

Many people will apply for student loans and sign paperwork without reading what they are signing. This is an easy way for a lender to get more than they should.

Make sure you understand your repayment options. If you are worried about making ends meet after you leave school, consider asking for graduated payments. Thus, your payments early on will be smaller, and then gradually grow after you begin earning more.

TIP! Know what your repayment options are. If you’re thinking it will be hard for you to make payments after you get out of school, you may want to sign up to get graduated payments.

PLUS loans are a type of loan that you should consider if graduate students. They have an interest rate of no more than 8.5 percent. This is a bit higher than Perkins and Stafford loan, but it will be a better rate than a private loan. This loan option for mature students.

You need to make sure you understand all the requirements of paying back the loan. Some loans come with grace periods, forbearance options and hardship possibilities you can use. You must know all your options and exactly what is expected of you. Before you enter into any loan contracts, find out about these things.

TIP! You need to make sure you understand all the requirements of paying back the loan. There are loans with grace periods that have other options like forbearance for unexpected circumstances.

You might need a student loan for yourself or a child in the future. Knowing all you can about student loans can help you determine the best one for you. Use the advice you have read here to guide your decision.

Keep in contact with the lenders you have during and then after school. Notify them of any changes that occur with your name, address, phone number or email. This helps you become aware should any changes to the loan terms arise, or if the lender has changed anything. You need to contact them if you transfer, withdraw, or graduate from college.

October 11, 2020
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