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

Watch for the grace period which is available to you before you are required to repay the loan. This generally means the period after you graduate where the payments will become due. When you know what it is, you will have time to make a payment plan that will help you pay on time without penalties.

TIP! Know how long of a grace period is in effect before you must begin to make payments on the loan. This generally means the period after you graduate where the payments will become due.

Since college costs only continue to rise, loans are important to learn about. You need good information in advance to be able to select the right loan with the right terms. Read on to learn more information.

Keep in touch with the lender you’re using. Update your address, phone number or email address if they change which sometimes happens quite frequently during your college days. You should also be sure to read all of the information you receive from the lender, whether electronic or paper. Do whatever you must as quickly as you can. If you miss something, that can mean a smaller loan.

TIP! Maintain contact with your lender. Make sure you let them know if your contact information changes.

Always know all of the information pertinent to your loans. You must pay close attention to how much you owe, your lenders and the repayment status in which you find yourself at any given time. These facts will determine your repayment and forgiveness options. This is must-have information if you are to budget accordingly.

It is acceptable to miss a loan payment if serious extenuating circumstances have occurred, like loss of a job. Many lenders give you a grace period if you are able to prove that you are having difficulties. If you take this option, you may see your interest rate rise, though.

TIP! Don’t worry if you can’t make a payment on your student loan due to a job loss or another unfortunate circumstance. When hardship hits, many lenders will take this into consideration and give you some leeway.

Keep in touch with your lender. Make sure you let them know if your current address and phone number. Take any and all actions as soon as you can. Missing anything could make you owe a great deal of money.

You don’t need to panic if a problem arises during repayment of your loans. Unemployment or health emergencies will inevitably happen. 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. Just know that the interest will build up in some options, so try to at least make an interest only payment to get things under control.

Don’t discount using private financing for college. There is not as much competition for public loans.Explore any options in your community.

Use a process that’s two steps to get your student loans paid off. Make sure you pay the minimum amount due each month. Second, if you have any extra money, 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 make things cheaper for you over time.

TIP! Work hard to make certain that you get your loans taken care of quickly. First, be sure to pay the monthly amount due on each loan you have taken out.

Don’t be driven to fear when you into a tizzy. Unemployment or health problem can happen to you from time to time. There are forbearance and deferments for most loans. Just be mindful that interest continues to accrue in many options, so try to at least make payments on the interest to prevent your balance from growing.

If you wish to repay student loans in advance, deal with the ones with the highest interest rates first. If you solely base your repayment by which ones have a lower or higher balance, then you might actually end up paying back more in the end.

TIP! If you are in the position to pay off student loans early and inclined to do so, make sure you begin with the loans that carry the highest rate of interest. If you pay off the wrong loans first, you could end up paying more than you need to.

Choose the payment option that best serve you. Many student loans come with a 10 year repayment plan. There are other options if this is not right for you.For instance, you can take a longer period to pay, however you will probably have a higher interest rate. You could also use a portion of your income. Some student loan balances are let go when twenty five years have passed.

It is important to know how much time after graduation you have before your first loan payment is due. Stafford loans offer a period of six months. It is about nine months for Perkins loans. Other kinds of loans may have other grace periods. Do you know how long you have?

Student Loans

Which payment option is your best bet? Many loans offer a decade-long payment term. If this won’t work for you, there may be other options available. You can pay for longer, but it will cost you more in interest over time. You might also be able to pay a percentage of your income once you begin making money. There are some student loans that will be forgiven if you have not got them paid in full within 25 years.

TIP! Select a payment option that works well for your particular situation. Many student loans come with a 10-year plan for repayment.

Prioritize your repayment of student loans by interest rate. The highest rate loan should be dealt with first. Using any extra money you have can get these things paid off student loans faster.There is no penalty for early payments.

The prospect of having to pay a student loan every month can be hard for people that are on hard budget already. A good loan rewards program can make it all more manageable. Check out programs from Upromise such as SmarterBucks and LoanLink. This can help you get money back to apply against your loan.

Many people will apply for their student loans without reading the fine print. This is an easy way for a lender to get more money than they should.

To maximize the value of your loans, make sure to take the most credits possible. The more credits you get, the faster you will graduate. In the grand course of time, you will end up taking out fewer loans.

TIP! To maximize the value of your loans, make sure to take the most credits possible. If you sign up for more course credits each semester you can graduate a lot quicker, which in the end will save you a lot of money.

Be sure to fill out your student loan applications neatly and properly to avoid any delays in processing. Incorrect or incomplete loan information can result in having to delay your education.

Many obtain student loans, sign their documents, but remain clueless about what they’re signing into. It is essential that you question anything you do not clearly understand. Otherwise, you could have much more debt than you were counting on.

TIP! Never sign anything without knowing what exactly it says and means. Ask to get clarification on anything you don’t understand.

PLUS student loans are a type of loan option for parents and also graduate students. The highest the interest rate on these loans will never exceed 8.5% This costs more than Perkins or Stafford loans, but is lower than private lenders offer. This is often a good alternative for your situation.

Applying for a private loan with substandard credit is often going to require a co-signer. Make every payment on time. If you don’t keep up, your co-signer will be responsible, and that can be a big problem for you and them.

TIP! If you don’t have good credit, and you are applying for a student loan from a private lender, you will need a co-signer. Make sure that your payments are up to date.

Take extra care when it comes to taking out private loans. It can be hard to find out what the exact terms. You may only find it difficult to navigate through it all until after signing the document. Get as much information you can.

Be careful with private loans. These can be tricky when it comes to the specifics surrounding the terms. You may not know exactly what you’re signing until later. You may not be able to get out of the loan then. Learn about them in detail before selecting one. Check with different lenders to make sure you are getting the best offer.

TIP! Take extra care with private loans. It can prove difficult to find out what the exact terms are.

Stay in contact with the lender providing your lender. This is important because you will want to know all of the information on your loan and what stipulations are involved in your payback plan. Your lender should also provide you with valuable repayments tips to you.

Double check all applications for errors. Bad calculations will affect the amount you can take out on a loan. Ask for help from an adviser if you need it.

TIP! When you apply for financial aid, make sure your application is error free. If you do not fill it out correctly, you may not get as much money from the school.

Understand what options available to you have in repaying your loan. If you believe finances will be tight after graduation, think about a loan with graduated payments. This ensures your starting payments are smaller and will gradually increase as your earning potential rises.

To stretch out your student loan money, try buying meal plans instead of meals via dollar amounts. This will prevent getting charged for extras and allows you to just pay a flat price for every meal you eat.

TIP! To stretch out your student loan money, try buying meal plans instead of meals via dollar amounts. This way, you won’t be paying for each individual item; everything will be included for your prepaid flat fee.

Try finding a part-time job you can do on campus to help augment income you receive from student loans. This will assist your expenses somewhat and reduce the amount of money you must borrow.

Keep in touch when you have a lender that’s giving you money. This can help you understand how to pay back your loan efficiently. They may give you some wise advice for repaying the loans.

Do your student loan balance seems insurmountable. It can seem like a ton, but you are going to pay it back slowly.

Find a job you can do on campus to help augment the income you get from student loans. This allows you to offset some of your expenses without a loan, and it can give you some spending money as well.

TIP! To supplement the money from your loan, get a part-time job on campus. This is a great idea because you have additional money coming in that can help supplement the money coming in from the student loan, and help pay some expenses.

You will find they are likely to have the financial institution work to help you if you show good faith. You may even be able to get your loans deferred or deferral.

You need to make sure you understand all the requirements of paying back the loan. Certain loans are known for having a grace period, and some have forbearance and other repayment options. It is critical that you are aware of your options and the lender’s expectations. Before you enter into any loan contracts, find out about these things.

TIP! You must always make the effort to be aware of all payback terms for a student loan. Some loans have a grace period, or can be granted a forbearance and other options for different circumstances.

Keep in touch with your lenders while in school and after college. Make sure you get into touch with them if any of your address or other information changes. This ensures that you are privy to any changes that are made involving your lender information or terms. You must also let them know if you transfer, change schools, or even leave the college.

Stay in touch with all lenders after you finish school. Talk to them when things change, such as your phone number. This way you will be made aware of any changes in policy terms or to lender information. In addition, make sure the lender knows when you graduate or leave school.

TIP! It is important that you keep in touch with your lending institution when in school and also when you graduate. Notify them of any changes that occur with your name, address, phone number or email.

Check out all options to ensure you pay off your student loans on time. Pay on time to ensure your credit score high. If you can’t make your payments monthly without trouble, you should consider consolidating them.

Take AP classes in high school to lessen your debt. These classes help you achieve college credits and help lessen the amount of time you have to spend at one of the pricey universities.

College Education

Take online classes to offset the cost of student loans. This convenient method of learning let’s you have more control over your own personal schedule, including employment opportunities. You can maximize the number of classes you are taking in this way.

TIP! To get the most for your money, consider taking online courses. That way, you will be able to bolster your schedule and get the most out of your time.

It is amazing how much a college education really does cost. Poor choices in financing a college education can negatively impact a young adult’s future. It is fortunate that you have the valuable material in this article to help you avoid the usual pitfalls.

Federal loans should be your first resource to pay for college. There are quite a few advantages to a federal loan, perhaps the biggest being a fixed interest rate. You won’t have to worry about unexpected surprised when you get a fixed rate loan. Knowing that you will always have to pay a certain amount allows you to budget for the expense more easily.

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