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: January 28, 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 The Best Rates On Student Loans

Make sure you know what the grace period is for your loans before you need to start making payments. The grace period is the time you have between graduation and the start of repayment. Having this knowledge of when your payments are scheduled to begin will avoid incurring any penalties.

TIP! Do know that you are probably going to have a post-graduation grace period from your student loans before you are required to start making payments back. Typically this is the case between when you graduate and a loan payment start date.

Most students today are unable to finish their education without the use of debt to get through school. The right way to graduate in good financial shape is to know everything you can about student loans before getting any. Read below to find out more.

Don’t worry about not being able to make a payment on your student loans if something unexpected like job loss has happened. Most lenders can work with you if you lose your job. If you take this option, you may see your interest rate rise, though.

TIP! Do not panic if a job loss or other emergency makes paying your student loan difficult. 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 period of time after graduation before your payment is due. Knowing 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.

To make paying for college easier, don’t forget to look at private funding. There is quite a demand for public student loans even if they are widely available. Private loans are easy to get and there are many options. See if you can get loans for the books you need in college.

TIP! Don’t neglect private financing for college. Even though there are plenty of student loans publically available, you are faced with more people trying to secure them.

Always keep in touch with your lender. Make sure you let them know your current address and phone number.Take any and all actions are necessary as soon as possible. Missing anything could make you owe a great deal of money.

There are two main steps to paying off student loans. First you need to be sure that you know what the minimum payments for the loans will be each month. Second, if you have any extra money, 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 keep your total expenditures to a minimum.

TIP! Pay your loans off using a two-step process. Start by making the minimum payments of each loan.

Don’t be scared if something happens that causes you can’t make a payment on your student loan due to a job loss or another unfortunate circumstance. Most lenders have options for letting you if you lose your job. Just remember that taking advantage of this option often entails a hike in your interest rates.

Know how long you have between graduation and the commencement of loan payments. For Stafford loans, you should have six months. Perkins loans offer a nine-month grace period. Other kinds of loans may have other grace periods. Make sure you know how long those grace periods are, and never pay late.

TIP! Be mindful of the exact length of your grace period between graduation and having to start loan repayments. Stafford loans usually have one half year before the payments have to be made.

Don’t neglect 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 any options in your community.

Prioritize your repayment of student loans by the interest rate of each one. You should pay off the loan that has the highest interest first. Then utilize the extra cash to pay off the other loans. There will be no penalty because you have paid them off quicker.

Focus on the high interest rates. If your payment is based on what loans are the highest or lowest, you could end up paying more than you need to.

Having to make a monthly student loan payment is hard for a budget that is already stretched thin. You can minimize the damage a little with loan reward programs. Look into something called SmarterBucks or LoanLink and see what you think. Similar to popular cash-back programs, each dollar spent accrues rewards that are applied against your loan balance.

TIP! It may be frightening to consider adding student loans to your bills if your money is already tight. You can make things a bit easier with help from loan rewards programs.

Stafford loans offer loam recipients six month grace period.Other kinds of student loans can vary. Know when you will have to pay them back and pay them on your loan.

Some people sign the paperwork for a student loan without clearly understanding everything involved. Ask questions so you can clear up any concerns you have. You could be paying more if you don’t.

TIP! Lots of folks secure student loans without truly understanding the fine print. You must, however, ask questions so that you know what is going on.

Prioritize your loan repayment of student loans by interest rate. The highest rate loan with the most interest should be paid off first. Using any extra cash available can help pay these loans more rapidly is a smart choice. There will be no penalties for paying off a loan faster.

It is very important that you correctly fill out all student loan documents to ensure the timely process of them. Your application may be delayed or even denied if you give incorrect or incomplete information.

Be sure to fill out your loan application correctly. Incorrect or incomplete loan information gums up the works and causes delays to your education.

The best federal loans are the Stafford loan and the Perkins loan. These are very affordable and are safe to get. These are good loans because the government pays the interest while you are still in school. The Perkins loan has a small five percent rate. The Stafford loans are subsidized and offer a fixed rate that will not exceed 6.8%.

Interest Rate

Do not think that you can just default on student loans to get out of paying them. There are ways that the government can collect the money against your wishes. They can take money off your tax refund, for example. They can also take a chunk of the disposable income you have. This will leave you worse off.

TIP! Going into default on your loans is not a wise idea. There are various ways that your finances can suffer because of unpaid student loans.

Stafford and Perkins are the best that you can get. These are considered the safest and affordable. This is a great deal because while you may want to consider. The Perkins loan interest rate of 5%. Subsidized Stafford loans offer interest rate cap of 6.8%.

Use caution if you are considering getting a private student loan. It isn’t easy to know what the terms might be. You may not even know them until you’ve signed the paperwork. It could be hard to get out of them. Make sure you get the information you really need. Always check to see if you can get a better deal.

TIP! Private student loans are very volatile. These have many terms that are subject to change.

If you do not have excellent credit and you must put in an application to obtain a student loan through private sources, you may need a cosigner. It is vital that you stay current with all your payments. If you can’t pay, you will saddle your co-signer with the debt.

When you are completing your application for financial aid, be sure that there are no mistakes. This is critical because the information you provide directly affects the amount of money you are offered in loans. If you have any questions about filling out the application, talk to experts on financial aid from your college.

TIP! When applying for loans, be sure you provide accurate information. If you do not fill it out correctly, you may not get as much money from the school.

PLUS loans are a type of loan that you should consider if graduate students and to parents. They have an interest rate of no more than 8.5%. This is a bit higher than Perkins and Stafford loans, but it is better than rates for a private loan. This makes it a great choice for your situation.

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! Look into meal plans that let you pay per meal. 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.

Be careful when it comes to private loans. It can prove difficult to find out what the terms are. You may find it difficult to navigate through it all until after signing the document. Learn all you can prior to signing.

Make sure the lender always has your updated contact information. It is essential to know the complete information about your loan and any stipulations involved in your repayment schedule. Speak with your lender to get advice on how you should go about paying off the loan.

TIP! Stay in touch with the lender. This is key because you need to have all the particulars with regard to the loan and the terms regarding its repayment.

Never depend totally on a loan to pay for college. Save your money up in advance and look into scholarships you might qualify for.There are some good scholarship websites that will help match you to scholarships and locate grants. Start looking early so that you’ll find the entire process going and leave yourself enough time to prepare.

Know what the options for repayment are. Securing a graduated payment agreement can make repayment of your loans easier when you graduate from college. Your payments will be smaller and will increase later on.

TIP! Understand what options you have in repaying your loan. Graduated payments are something to consider if you’re struggling financially.

If you currently want to further your education, you know that taking out a student loan may be a necessity. Until the costs of a college education are reduced, almost everyone will need one. This article should help you in reducing the impact of student debt on your financial future, so you can fee more confident about it.

Be sure to stay in touch with lenders when you are in college and when you are done with it. Make sure they are updated in regard to your contact info. This will make sure that you know when changes are made. You have to let them know if you withdraw from college, transfer to a different college or graduate.

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