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 27, 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

Keep in mind that there’s a grace period to follow before it’s time to pay a loan back. 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! Be aware of the grace period that you have before you have to pay back your loan. This is the period of time after your graduation before your payment is due.

You will likely encounter getting a student loan sometime. Maybe you need one now, or you are preparing for 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 advice will help you educated.

Stay in contact with your lender. Always let them know when you change your phone number, mailing address or email address, and these things can happen often when you are in college. Do not put off reading mail that arrives from the lender, either. Take action right away. You may end up spending more money otherwise.

TIP! Make sure you are in regular contact with the lender. Make sure your records are updated, such as your phone number and address.

Be sure you understand the fine print of all loans.You need to be able to track your balance, who the lender you’re using is, and what your repayment status is. These details are going to have a lot to do with what your loan repayment plans and if you can get forgiveness options. This will allow you are to budget effectively.

Never panic when you hit a bump in the road when repaying loans. Anything can come up and interfere with your ability to pay, such as a medical emergency or getting laid off from work. Make sure you are aware of the specific terms that apply to such circumstances, such as deferments or forbearance, which are part of most loan programs. Remember that interest accrues in a variety of ways, so try making payments on the interest to prevent balances from rising.

TIP! If you have trouble repaying your loan, try and keep a clear head. Unemployment and health emergencies can happen at any time.

Make sure you are in close contact with your lenders. Make sure they know your contact information changes. Make sure that you take action whenever it is needed. Missing anything could make you owe a great deal of money.

If you have the ability to pay more than what you owe on your loans, try to get those with the highest interest taken care of first. You may owe more money if you don’t prioritize.

TIP! The best way to pay down your student loan debt early is to focus on the loans that come with a higher interest rate. You may think to focus on the largest one but, the accruing interest will add up to more over time.

Don’t worry if you from making a payment on your student loan due to a job loss or another unfortunate circumstance. Most lenders have options for letting you if you are able to document your current hardship. Just know that taking advantage of this option often entails a hike in your interest rates rise.

Prioritize your loan repayment schedule by interest rate. Pay off the one with the highest interest rate first. Apply any extra dollars you have to pay off student loan balances faster. Student loans are not penalized for early payoff.

Don’t forgo private student loans for financing a college education. There is not as much competition for public loans.Explore the options within your community.

It may be frightening to consider adding student loans to your bills if your money is already tight. There are loan rewards programs that can help with payments. 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! The thought of paying on student loans can be daunting. That can be reduced with loan rewards programs.

Pay off all your student loans using a 2-step process. Begin by figuring out how much money you can pay the minimum payments on each of your loans. Second, make extra payments on the loan whose interest rate is highest, and not just the largest balance. This will keep your total expenditures to a period of time.

Take as many hours each semester as you think you can handle so you don’t waste any money. Try to graduate as soon as you possibly can by taking 15 or 18 hours each semester. This will reduce the amount of loans you must take.

TIP! To get the most out of your student loan dollars, take as many credit hours as possible. Full-time status is usually 9-12 hours per semester, so getting between 15 and 18 can help you graduate sooner.

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

Many people get student loans without reading the fine print. You must, however, ask questions so that you know what is going on. There are unscrupulous lenders who will take advantage of the unwary.

TIP! Some people apply for loans and sign the papers without understanding the terms. It is vital that you understand everything clearly before agreeing to the loan terms.

Select the payment option that is best for your needs. Many loans offer 10-year payment term. There are many other choices as well. You might be able to extend the plan with a greater interest rates. You might also be able to pay a percentage once the money flows in. Some balances are forgiven after twenty five years have passed.

Fill out your paperwork the best that you can. If you provide faulty information, processing can be delayed, and you may have to postpone starting classes.

Student Loans

The simplest loans to obtain are the Stafford and Perkins. These are both safe and affordable. They are great because while you are in school, your interest is paid by the government. A typical interest rate on Perkins loans is 5 percent. On subsidized Stafford loans it is fixed at a rate no greater than 6.8%.

TIP! The Perkins Loan and the Stafford Loan are both well known in college circles. They are both reliable, safe and affordable.

Pay off student loans in order of interest rates. Pay off the loan with the highest interest rate first. Using any extra cash available can help pay off student loans more rapidly is a smart choice. There will be no penalty for paying off your loans early.

PLUS loans are available if you are a graduate student or the parent of one. The PLUS loans have an interest rate below 8.5%. Although it is higher than Perkins and Stafford Loans, you still get a much better rate than one that is private. These loans are much better suited to an older student that is at graduate school or is close to graduating.

TIP! PLUS loans are something that you should consider if graduate school is being funded. The interest rate won’t be any larger than 8.

Reduce your total principal by getting things paid off your largest loans as fast as you can. Focus on the largest loans off first. After you’ve paid your largest loan off in full, continue making those same payments on the next loan in line. By keeping all current and paying the largest down totally first, you will systematically eliminate your student loan debt.

Going into default on your loans is not a wise idea. There are several ways the government can get their money. For instance, it can place a claim on your taxes or benefits in Social Security. The government can also lay claim to 15 percent of your disposable income. Therefore, defaulting is not a good solution.

TIP! You aren’t free from your debt if you default on your loans. There are many tools in the federal government’s arsenal for getting the funds back from you.

The prospect of paying off a student loan every month can seem daunting for a recent grad on an already tight budget. A rewards program may help with this circumstance. Look at the SmarterBucks and LoanLink to learn about this kind of program offered by Upromise.

Be very cautious about private student loans. These can be tricky when it comes to the specifics surrounding the terms. Many times, you will not know until you’ve already signed for them. After this happens, you may not be able to extricate yourself. Obtain as much information with regard to the terms as possible. Check with different lenders to make sure you are getting the best offer.

TIP! Take extra care with private loans. These have many terms that are subject to change.

Stafford and Perkins are the best that you can get. These are the most affordable and most affordable. This is a great deal because while you may want to consider. Interest rates for a Perkins loan is five percent. Subsidized Stafford Loans will have an interest rate of no more than 6.8 percent.

Be sure to fill out your applications for financial aid accurately. Accurately filling out this form will help ensure you get everything you are qualified to get. If you think that you’re making any kind of a mistake, get into touch with your school’s financial aid representative.

TIP! Always double and triple check your financial aid form. This is key, as it can determine how much loan money you can receive.

PLUS loans are something that are available to graduate students and to parents. They bear an interest rate of no more than 8.5 percent.This is a bit higher than Perkins and Stafford loan, however it’s better than most private loans. This loan option is better for your situation.

Make an effort to ask your lender questions and contact them any time you need to. You have to understand everything about the loan you owe and how you need to pay it back. Your lender will prove to be invaluable should you need more information.

TIP! Stay in contact with the bank who loaned you the money. This is key, because you will need to stay aware of all loan terms and details of repayment.

Stay connected to lenders or people that supply you the money.This is essential since you will want to know all of the information on your loan and what stipulations are involved in your repayment plans. Your lender may also be able to provide you with valuable tips to repay your loan more effectively.

Understand what options you have in repaying your loan. Check out graduated payments as one option. Using them, your beginning payments are smaller. Gradually though, they will go up as your earnings expectations increase.

TIP! Know what your repayment options are. Securing a graduated payment agreement can make repayment of your loans easier when you graduate from college.

As you have read from the above article, you just might find yourself looking into getting a student loan either now or in the future. Knowing what student loans are all about can really help you out when you want to get the best things for your situation. This article provided you with the basics, and you should apply them as needed.

Try to get a part-time job to keep an income stream going while in school. You may be able to pay for some things yourself, and you will have a little extra money to hang out with friends.

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