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 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:
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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.

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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

Private financing is always an option. Public loans are great, but you might need more. Private loans are available, though perhaps not in the volume of federal ones. Talk to people you trust to find out which loans they use.

TIP! Private financing is one choice for paying for school. Student loans from the government are plentiful, but they come with a lot of competition.

Student loans help folks acquire educational experiences they typically could not otherwise afford for some people. This article has many of the tips you all about student loans and how they work.Read on to learn how to get a student loan to help secure yourself a top-notch education!

Never do anything irrational when it becomes difficult to pay back the loan. Unemployment or a health problem can happen to you from time to time. Luckily, you may have options such as forbearance and deferral that will help you out. Interest continues to compound, however, so a good strategy is to make interest only payments that will prevent your balance from getting bigger.

TIP! If you’re having trouble repaying loans, don’t panic. Unemployment or a health problem can happen to you from time to time.

Know all of your student loans. You need to know how much you owe, your lenders and the repayment status in which you find yourself at any given time. These details are going to have a lot to do with what your loan. This is must-have information if you to budget effectively.

Pick a payment option that works bets for you. Many student loans offer 10 year payment plans. You may discover another option that is more suitable for your situation. For instance, you can possibly spread your payments over a longer period of time, but you will have higher interest. You can also do income-based payments after you start earning money. Sometimes student loans are forgiven after 25 years.

TIP! Make sure your payment option fits your specific situation. Many loans offer payment over a decade.

Don’t be scared if something happens that causes you to miss payments on your student loan due to a job loss or another unfortunate circumstance. Most lenders can work with you put off payments if you lose your current hardship. Just remember that doing this might cause the lender to raise the interest rate on your loan.

Prioritize your repayment of student loans by the interest rate of each one. Pay off the loan with the largest interest rate first. Using your extra cash can help you get these student loans paid off quicker. Speeding up repayment will not penalize you.

Don’t discount using private financing for college. There is quite a demand for this as public loans. Explore any options in your community.

For those on a budget already stretched to the max, the idea of a student loan can be scary. Loan rewards programs can help a little with this, however. For instance, look into the Upromise programs called SmarterBucks and LoanLink. These work like cash back programs, and the money you spend earns rewards that can be applied toward your loan.

TIP! For those on a budget already stretched to the max, the idea of a student loan can be scary. A good loan rewards program can make it all more manageable.

Don’t panic if you get caught in a loan payment. Unemployment and health problem can happen to you from time to time. Do be aware of your deferment and forbearance available in most loans. Just remember that interest keeps accruing in many forms, so try to at least make payments on the interest to prevent your balance from growing.

If you don’t have very good credit and need a student loan, chances are that you’ll need a co-signer. Making payment on time is very important. If you’re not able to, then the co-signer is going to be responsible for the debt you have.

TIP! If you don’t have great credit, you might need a cosigner. You must be current on your payments.

Focus initially on the high interest rates. If you solely base your repayment by which ones have a lower or higher balance, there’s a chance you’ll be owing more at the end.

PLUS loans are a type of loan option for parents and graduate students. They cap their interest rate at 8.5 percent. This is higher than Stafford loans and Perkins loans, but it is better than rates for a private loan. It might be the best option for you.

Student Loans

Get the idea out of your head that you will be forgiven for a student loan that you have defaulted on. The government can get back this money if they want it. For example, it can step in and claim a portion of your tax return or Social Security payments. It can also claim 15 percent of your disposable income. This will put you in a very bad position.

TIP! Don’t buy into the notion that you can default on your loans to free up money. There are various ways that your finances can suffer because of unpaid student loans.

Choose a payment option that is best suited to your needs. Many student loans offer a 10-year plan for repayment. There are other choices as well. You might be able to extend the plan with a greater interest rates. You may also possibly have the option of paying a set percentage of your post-graduation income. Some balances on student loans are forgiven about 25 years have passed.

Heed caution when dealing with private loans. It can be hard to find out the exact terms. You may only find out after signing the document. After this happens, you may not be able to extricate yourself. Find out as much as you can about them. Compare an offer with those given by other lenders to find out who offers the best rates.

TIP! Be wary of private student loans. It can be difficult to figure out what the terms are exactly.

Get the maximum bang for the buck on your student loans by taking as 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 you keep to aminimum the amount of loan money you have to accrue.

Get a meal plan on campus; this will save you money in the long run. You can prevent yourself from getting charged for dining hall extras, since you will just pay a flat fee for every meal you have.

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

Get a good ideas as to what options you have when it comes time to repaying your loans. If you are worried about making ends meet after you leave school, consider asking for graduated payments. This way your initial payments will be small and gradually increase over time when you hopefully are earning more money.

TIP! Explore the different ways you can repay your loans. Look into getting graduated payments if you are having financial troubles.

Stafford and Perkins are two of the best that you can get. These are both safe and safety. This is a good deal that you may want to consider. Perkins loans have a rate of 5%.The Stafford loans which are subsidized and offer a fixed rate that will not more than 6.8%.

Don’t panic if you have a huge balance on your student loan that you have to repay. Still, remember that you can handle it with consistent payments over time. If you are diligent, your student loans will soon be paid for.

TIP! Take a deep breath when you seriously contemplate the depth of your student loan balance. It can seem like a ton, but you pay it back gradually for a long time.

If you apply for a private student loan and your credit is not that great, you will require a co-signer. It is vital that you stay current on your payments in a timely manner. If you’re not able to, your co-signer will also be liable.

Anytime that you feel that you can’t make your monthly payment on your student loan, let the loan lender know immediately. By keeping the financial institution in the loop, you will be more likely to have their cooperation. Find out whether you’re eligible for ongoing reduced payments or if you can put the loan payments off for a certain amount of time.

TIP! You should let your lender know if you are going to have trouble making a payment. These institutions are more likely to accommodate your needs if you seek their help right away.

Be leery of applying for private student loans. It can be hard to find out what the exact terms are. You may find out after signing the document. Learn all you can prior to signing.

Maintain contact with your lenders during and after college. Update your records immediately if your contact information changes. This will help your lender to give you accurate information. In addition, make sure the lender knows when you graduate or leave school.

Student Loans

If you want a good return on student loans, try taking classes online as well as in an actual classroom. This can help you add more hours to full loads and easily schedule your assignments around a job and other classes. This allows you to get more hours each semester.

TIP! Consider taking classes online in addition to your traditional classes to get the most from your student loans. This will let you add more hours and schedule assignments around your regular schedule.

As you can tell, it’s possible to get a great education from a great school thanks to student loans. The tips located above will assist you greatly when dealing with student loans. Put these tips to good use and attend the school you desire.

Begin your search with federal loans. These have fixed interest rates, which are beneficial. With those, you’ll never have a surprise on what you are paying month to month. When you know exactly how much you have to pay each month, you can plan your budget better.

iMARKET COACHING

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coaching@imarketsupport.com

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