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 18, 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 figure out what the details of the loans you have out are. You need to be mindful of your balance levels, your current lenders and your repayment status of each loan. These important items are crucial when it comes time to pay back the loan. Budget wisely with all this data.

TIP! Always know all the information pertinent to your loans. This will help you with your balance and repayment status.

Many people are scared or overwhelmed when they have to obtain student loan. This usually occurs because they do not really familiar with the process. This article can clarify everything there is plenty of helpful student loan information here.

You don’t need to worry if you cannot pay for your student loans because you are unemployed. The lenders can postpone, and even modify, your payment arrangements if you prove hardship circumstances. Make sure you realize that going this route may result in increased interest.

TIP! You don’t need to worry if you cannot pay for your student loans because you are unemployed. Generally speaking, you will be able to get help from your lender in cases of hardship.

Know all the little details of your loan. You need to know how much you owe, who your lender is and any current repayment status of your loans. These details are crucial when it comes time to pay back the loan. This is must-have information if you are to budget effectively.

Private financing is something that you may want to consider. Though federal loans are common, competition in the market does exist. There’s much less competition for private student loans, with small pockets of money sitting around untapped from lack of attention. Ask locally to see if such loans are available.

TIP! Attend to your private college financing in a timely manner. There are plenty of public student loans to be had, but the competition to get them is fierce.

Focus initially on paying off student loans with high interest rates. If you try to pay off the ones with the lowest balances first, there’s a chance you’ll be owing more at the end.

If an issue arises, don’t worry. Life problems such as unemployment and health complications are bound to happen. There are options such as deferments and forbearance that are available with most loans. Still, remember that your interest will have to be paid back, so try and pay what you can, when you can.

TIP! Never do anything irrational when it becomes difficult to pay back the loan. Health emergencies and unemployment are likely to happen sooner or later.

Select the payment arrangement that works well for your needs. Many loans offer a 10 year payment plan. There are other options if you need a different solution. You might be able to extend the plan with a greater interest rates. You might even only have to pay a certain percentage of your income once you finally do start making money. Some loans are forgiven in 25 years have passed.

Pick the payment option that works best for you. Most student loan companies allow the borrower ten years to pay them back. If this is not ideal for you, look into other possibilities. For example, you might be given a longer time to pay. Keep in mind that this option comes with higher interest. You may also have the option of paying a certain percentage of your future earnings. Some balances are forgiven if 25 years have passed.

TIP! Select a payment plan that works for your needs. Lots of student loans offer ten-year repayment plans.

Select the payment option that works best for your situation. Many student loans offer payment over a 10 year repayment plan. There are other options if this is not right for you.For example, you can take a longer period to pay, but you will have higher interest. You can also use a portion of your income to pay once you start earning money. Some student loan balances get forgiven after 25 years.

Select the payment choice that is best for you. Most lenders allow ten years to pay back your student loan in full. If this is not ideal for you, then there are other choices out there to explore. For instance, you can possibly spread your payments over a longer period of time, but you will have higher interest. You may also use a portion of your income to pay once you are bringing in money. Sometimes student loans are forgiven after 25 years.

Largest Loans

When the time comes to repay student loans, pay them off based on their interest rate. The loan with the largest interest rate should be your first priority. You will get all of your loans paid off faster when putting extra money into them. Paying quicker than expected won’t penalize you in any way.

TIP! Pay off your loans in order of interest rates. Pay off the one with the highest interest rate first.

Reduce the total principal by paying off your largest loans as quickly as possible. Focus on paying the big loans off first.Once you pay off one big loan, use the money allotted to it to pay off the one that is the next largest. When you make an effort to pay off your largest loans with the largest payments possible and pay the minimum on smaller loans, you have have a system in paying of your student debt.

Take more credit hours to make the most of your loans. As much as 12 hours during any given semester is considered full time, but if you can push beyond that and take more, you’ll have a chance to graduate even more quickly. This helps you reduce the amount you need to borrow.

TIP! Take as many hours each semester as you think you can handle so you don’t waste any money. 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.

The thought of paying on student loans each month can be frightening when money is tight. There are loan rewards opportunities that may benefit you. Look at the SmarterBucks and LoanLink to learn about this kind of program offered by Upromise.

Many people apply for student loans and sign paperwork without really understanding what they are getting into. It’s essential that you inquire about anything that you don’t understand. An unscrupulous lender will always look for ways to see if they can get more money out of you.

TIP! Be sure to read and understand the terms of any student loans you are considering. It is important that you ask questions to clarify anything that is not really clear to you.

Many people will apply for their student loans without reading what they are getting into. This is an easy way a lender may collect more money than they are supposed to.

Be sure to fill out your loan applications neatly and properly to avoid any delays in processing. You might find your paperwork in a stack waiting to be processed when the term begins.

Fill out paperwork the best that you can. Incorrect or incomplete loan information gums up the works and causes delays to your education.

Keep in mind that your school could have other motivations when they recommend certain lenders. In some cases, a school may let a lender use the school’s name for a variety of reasons. This can mislead you sometimes. Sometimes a school will have worked out a financial deal with a lender if you choose to use them. It is important that you understand the entire loan contract before agreeing to it.

Interest Rate

Avoid depending on student loans completely for school. Just save your money and try to get as many grants as you can. You can use a variety of websites that will tell you what scholarships or grants you’re eligible to receive. Be sure to begin your search as soon as possible in order to be prepared.

TIP! Don’t rely on student loans for education financing. Look into getting a scholarship or grant and explore other ways you can save money.

Stafford and Perkins loans are two of the best loan options. These are very affordable and safety. This is a great deal that you are in school your interest will be paid by the government. Interest rate on the Perkins loan will be around 5%. Subsidized Stafford Loans will have an interest rate cap of 6.8%.

Only pay for the meals that you eat; get a meal plan to save money. With a meal plan based on the meal this means your meal will be a flat fee instead of a per item charge.

TIP! To make sure that your student loan dollars go as far as possible, buy a meal plan that goes by the meal rather than the dollar amount. This allows you to not worry about what’s on your plate each time you eat because each meal is a flat rate.

If your credit is sub-par, you have to get a co-signer most of the time. It is critical that you keep up with all your payments in a timely manner. If not, the person who co-signed is equally responsible for your debt.

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. Lenders can also give you advice about paying your loans off.

TIP! Make sure the lender always has your updated contact information. This is essential since you need to know all about your loans and stipulations within your repayment plans.

PLUS loans are something that is available only to parents and graduate school is being funded. The PLUS loans have an interest rate is no greater than 8.5%. This is a better rate than that of a private loan, but less than privatized loans. This loan option is better for your situation.

Understand the options available to you for repayment. If you’re thinking it will be hard for you to make payments after you get out of school, you may want to sign up to get graduated payments. Your payments increase over a period of time, hopefully like your income.

TIP! Figure out what you have as repayment options. If you think your income initially will not support your bills, think about enrolling in graduated payments.

You do not have to be scared of student loans. With the information from this article, you have the necessary information to handle student loans. Use the tips located above to find the best student loans for your needs.

Anytime that you feel that you can’t make your monthly payment on your student loan, let the loan lender know immediately. They reward proactive people by being able to help them more efficiently and provide more options. You might even be offered a reduced payment or deferral.

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