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

Be aware of the grace period that you have before you have to pay back your loan. This usually means the period of time after graduation where the payments are now due. Knowing this can help you avoid hefty penalties by paying on time.

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. Usually, there is a time period after you leave school before you must begin paying the loans.

Student loans can help pay for a lot of the costs in college. Just keep in mind that a loan is not like a scholarship or grant, in that you do have to pay the money back someday. You will need to pay it back. To learn how to deal with the process properly, read the following interesting tips.

Always keep in touch with all of your lenders. Always let them know anytime your personal information changes, because this happens quite a bit when you’re in college. Be certain you always open mail that comes from your lender, and that includes e-mail. Take any and all actions needed as soon as possible. Overlooking things can end up being very expensive.

TIP! Stay in contact with all lenders. Always let them know anytime your personal information changes, because this happens quite a bit when you’re in college.

Know how long of a grace periods your loans offer. This is the period of time after you graduate before repayments is required. Knowing this is over will allow you to know when to pay your payments on time so you don’t have a bunch of penalties to take care of.

You don’t need to worry if you cannot pay for your student loans because you are unemployed. Lenders will typically provide payment postponements. However, this may negatively affect your interest rate.

TIP! Don’t be scared if something happens that causes you to miss payments on your student loans. Usually, most lenders let you postpone payments if some hardship is proven.

Always be aware of what all the information pertinent to your loans. You need to watch what your balance is, keep track of the lender, and know your lenders. These things matter when it comes to loan forgiveness and repayment options. This will allow you are to budget effectively.

Keep in mind that private financing is an option to help pay for school. While public loans for students are available widely, there is a lot of competition and demand for them. Private loans – especially small ones – do not have as much competition, and this means that there is funding available that most other people don’t even know about. Investigate around your community for private loans; even a small one can cover room and board for a term or two.

Interest Rate

Make sure that you specify a payment option that applies to your situation. Most student loan companies allow the borrower ten years to pay them back. Check out all of the other options that are available to you. For instance, it may be possible to stretch out your payments for a longer period of time, although you will end up paying more interest. You might also be able to pay a percentage of your income once you begin making money. There are even student loans that can be forgiven after a period of twenty five years passes.

TIP! Make sure that you specify a payment option that applies to your situation. Lots of student loans offer ten-year repayment plans.

Use a process to pay off your student loans. Begin by figuring out how much money you can pay off on each of your loans. Second, make extra payments on the loan whose interest rate is highest, 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 minimize the amount of total interest you wind up paying.

Pay off your different student loans in terms of their individual interest rates. The highest rate loan should be paid first. Using your extra cash can help you get these student loans paid off quicker. There will be no penalty because you have paid them off quicker.

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 prospect of having to pay a student loan every month can be hard for people that are on hard budget already. There are frequently reward programs that may benefit you. For instance, look into the Upromise programs called SmarterBucks and LoanLink. These are similar to cash back programs so that means you can get rewards that help you with your loan situation.

TIP! Having to make a monthly student loan payment is hard for a budget that is already stretched thin. There are loan reward programs that can help people out.

Select a payment arrangement that works for your needs. Many of these loans offer a ten year payment plan. There are often other choices available if this is not preferable for you. You might get more time with a greater interest rate. You might be eligible to pay a certain part of your income after you make money. Some loans are forgiven if 25 years.

You can stretch your dollars further for your student loans if you make it a point to take the most credit hours as you can each semester. While full-time status often is defined as 9 or 12 hours a semester, if you can get to 15 or even 18, you can graduate much sooner. This lets you minimize the loan amounts you have to accrue.

TIP! Get many credit hours each semester. Though full-time student status requires 9-12 hours only, if you are able to take 15 or more, you will be able to finish your program faster.

Choose the right payment options that best serve you. Many of these loans offer 10 year payment plans. There are other options if this is not right for you.For instance, you might secure a longer repayment term, but this will increase your interest. You might also use a portion of your income to pay once you begin making money. Some student loan balances are forgiven after a 25-year period.

A lot of people apply for a student loan and sign things without having knowledge of what they’re doing. Ask to get clarification on anything you don’t understand. Lenders sometimes prey on borrowers who don’t know what they are doing.

Student Loans

To get student loans to go through quicker, fill out the documents properly. If you give information that is incomplete or incorrect, it can delay the processing, which means that you could end up unable to begin a semester, putting you half a year behind.

TIP! Fill your application out accurately to get your loan as soon as possible. You might find your paperwork in a stack waiting to be processed when the term begins.

Utilizing the information you have just read should simplify the topic of student loans. It’s tricky and tedious finding the best student loans, but the task is doable. Stay patient and utilize this information.

The Perkins loan and the Stafford loan are the most desirable federal programs. These are highest in affordability and safety. They are a great deal because you will get the government to pay your interest during your education. The Perkins loan interest rate is 5%. The interest rate on Stafford loans that are subsidized are generally no higher than 6.8 percent.

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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