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:
  • 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

Good Solid Advice About Student Loans That Anyone Can Use

Always be aware of what all the requirements are for any student loan you take out. Stay on top of what your balance is and know which lender you borrowed from, plus what your repayment status is. These details are going to have a lot to do with what your loan repayment is like and if you can get forgiveness options. Budgeting is only possible with this knowledge.

TIP! Make it a point to be aware of all the important facets of your student loans. You must watch your loan balances, check your repayment statuses, and know your lenders.

It can be expensive to go to college education in this day and age. A high-quality school can cost you quite a bit.What should you supposed to do if you do not have the money needed to attend school? This is why student loans need to enter the picture. Here are some great top tips that will help you.

Don’t discount using private financing to help pay for college. While public loans for students are available widely, there is a lot of competition and demand for them. Private loans are easy to get and there are many options. Speak with people in your local area to find these types of loans, which at the very least can cover some of your expenses.

TIP! Private financing is something that you may want to consider. Student loans from the government are plentiful, but they come with a lot of competition.

Always be mindful of the key details of any loan you take out. You need to watch what your balance is, check your repayment statuses, and what the repayment status currently is with loans. These three things will affect your repayment plans and forgiveness options. This is must-have information is necessary to plan your budget wisely.

Paying down your student loans should be done using a two-step payoff method. First, ensure you make all minimum monthly payments. 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 minimize the amount of money you spend over time.

TIP! There are two main steps to paying off student loans. First, ensure you make all minimum monthly payments.

Make sure you are in close contact with your lenders. Make sure they know your contact information changes. Take whatever actions needed as soon as you can. Missing an important piece of mail can cost you valuable money.

To pay down your student loans effectively, focus on the one that has the highest interest rate. Calculating the terms properly will prevent spending more money than is necessary by the end of the loan.

TIP! Focus initially on the high interest loans. Calculating the terms properly will prevent spending more money than is necessary by the end of the loan.

Don’t panic if you can’t pay a payment due to job loss or another unfortunate event. Most lenders can work with you if you are able to document your job. Just be aware that doing so could make your interest rates rise.

Your loans are not due to be paid back until your schooling is complete. Make sure that you find out the repayment grace period you are offered from the lender. Stafford loans offer six months of grace period. For Perkins loans, the grace period is nine months. Other types of loans may vary. Know exactly the date you have to start making payments, and never be late.

Student Loans

Be sure you select the right payment plan option for you. The majority of student loans have ten year periods for loan repayment. If this won’t work for you, there may be other options available. You might get more time with higher interest rates. After you begin to make money, you might be able to use a certain percentage of that income to help pay down the student loan. Some loans are forgiven in 25 years.

TIP! Get a payment option that works for you. Most student loan companies allow the borrower ten years to pay them back.

There are two main steps to approach the process of paying off student loans you have taken out. Begin by ensuring you can pay off on these student loans. Second, if you have any extra money, not the loan that has the largest balance. This will minimize the amount of money you wind up paying.

Select a payment option that works best for your situation. Many student loans offer 10 year payment plans. If you don’t think that is right for you, look into other options. For instance, you can take a longer period to pay, but that comes with higher interest. Therefore, you should pay it once you make money. Some loans are forgiven after a 25-year period.

TIP! Choose payment options that fit your financial circumstances. Most lenders allow ten years to pay back your student loan in full.

Stafford loans offer a six month grace period. Other types of student loans’ grace periods vary. Know when you will have to pay them back and pay them on your loan.

Making monthly payments is often difficult for those whose budget is tight. A good loan rewards program can make it all more manageable. Two such programs are SmarterBucks and LoanLink. These give you rewards that you can apply toward your loan, so it’s like a cash back program.

TIP! Making monthly payments is often difficult for those whose budget is tight. There are loan rewards opportunities that can help.

Select a payment arrangement that works for you. Many student loans offer a ten year repayment period. There are many other options if this is not preferable for you. You might be able to extend the plan with higher interest rate.You might also be able to pay a certain percentage once you finally do start making money. Some balances on student loans offer loan forgiveness after a period of 25 years.

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 do not want to spend more money on interest and other fees than you need to.

TIP! Some people apply for loans and sign the papers without understanding the terms. It’s a good idea to speak with the lender to ask about thing you don’t know too much about.

Choose payment option that best suited to your needs. Many loans will offer a ten year payment plan. There are other ways to go if this doesn’t work. For example, you may be able to take longer to pay; however, but you will end up paying more in interest. You might also do income-based payments after you are bringing in money. Some loan balances are forgiven after twenty five years have gone by.

The Perkins Loan and the Stafford Loan are both well known in college circles. This is because they come with an affordable cost and are considered to be two of the safest loans. They are great because while you are in school, your interest is paid by the government. Perkins loans have an interest rate of 5%. On the subsidized Stafford loan, it’s fixed at no higher than 6.8%.

Student Loans

Defaulting on your loans is not an easy way out. The government will come after you. They can take money off your tax refund, for example. The government can also lay claim to 15 percent of your disposable income. In most cases, you’ll end up in a worse position than before.

TIP! Don’t buy into the notion that you can default on your loans to free up money. The federal government will go after that money in many ways.

Pay off your loans in terms of interest rates.Pay off the one with the highest interest student loans first. Using additional money to pay these student loans paid off quicker. There are no penalty because you have paid them off quicker.

Private student loans are very volatile. Discovering the exact terms and fine print is sometimes challenging. You may not realize what you are signing your name to until it is too late. It could be hard to get out of them. Get all the pertinent information you can. If you receive an offer that’s great, see if other lenders can beat or match it.

TIP! When applying for private student loans, you need to be cautious. Finding exact terms is difficult.

Get the maximum bang for the buck on your student loans by taking as many credit hours each semester as you can. Full-time is considered 9 to 12 hours per semester, so getting between 15 and 18 can help you graduate sooner.This will help reduce how much you must take.

Do not depend entirely on student loans to finance your education. Scholarships or grants can be a great way of reducing the amount of money you ultimately have to borrow. There are lots of good scholarship websites that can match you with scholarships and grants that are right for you. Look as early as you can to have the greatest number of options.

TIP! Avoid depending on student loans completely for school. Save your money up in advance and do not forget to apply for scholarships.

Now that you’ve read the information above, you should be able to apply and receive a student loan easier than you may have thought. You should now have the confidence needed to start pursuing your education. Use the tips to your advantage the next time you want to get into a school and need a loan.

When completing the application for financial aid, be sure to avoid making any errors. It can really affect what you’ll be offered if you file in error. If you are unsure, try talking with a financial aid specialist to help.

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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