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: August 25, 2019

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

Great Tips For Paying Off Your Student Loans

Keep in close touch 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. Anytime you receive a phone call, email or paper letter from your lender, pay attention to it as soon as it is received. Take any and all actions needed as soon as possible. Failure to miss anything can cost you a lot of money.

Many people need to take out student loans if they want to go to college. This article can help educate you become more familiar with student loans.

Don’t fret when extenuating circumstances prevent you from making a payment. Lenders will typically provide payment postponements. Just know that the interest rates may rise.

TIP! Don’t be scared if something happens that causes you to miss payments on your student loans. Lenders will typically provide payment postponements.

Know how long of grace period is in effect before you must begin to make payments on the loan. This is the amount of time after graduation where the payments need to start. Knowing this allows you to make sure your payments are made on time so you don’t have a bunch of penalties to take care of.

Attend to your private college financing in a timely manner. There is quite a demand for public student loans even if they are widely available. There’s much less competition for private student loans, with small pockets of money sitting around untapped from lack of attention. Explore any options within your community.

Focus initially on the high interest rates. If your payment is based on what loans are the highest or lowest, you may pay more interest that you have to.

When paying off your loans, go about it in a certain way. First, be sure to pay the monthly amount due on each loan you have taken out. Next, pay as much as you can into the balance on the loan which has the greatest interest rate. This will make things cheaper for you over time.

Payment Plan

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. If you try to pay off the ones with the lowest balances first, you may pay more interest that you have to.

TIP! If you want to get any student loan paid ahead of time, it’s a good idea to pay off the ones with more interest. Basing payments on the highest and lowest amounts can make you end up paying more money later.

Select the payment plan that is best for you. Many loans offer a 10 year payment plan. There are many other choices available if you can’t do this. You might be able to extend the plan with higher interest rates. You may also possibly have the option of paying a set percentage of your post-graduation income. Some balances are forgiven if 25 years.

Choose your payment option wisely. Many student loans come with a 10-year plan for repayment. If this does not fit your needs, you may be able to find other options. For example, you may be able to take longer to pay; however, your interest will be higher. Additionally, some loans offer a slightly different payment plan that allows you to pay a certain percent of your income towards your debt. Sometimes, they are written off after many years.

TIP! Choose a payment plan that you will be able to pay off. Most student loan companies allow the borrower ten years to pay them back.

Pick out a payment plan that works best for you.Many student loans offer 10 year length of time for repayment. There are other ways to go if this doesn’t work. For example, you can take a longer period to pay, your interest will be higher. You might also be able to pay just a set percentage of the money you begin making money. Some loan balances are forgiven after twenty five years have passed.

Pick a payment plan that suits your particular needs. Many student loans come with a ten year length of time for repayment. There are other ways to go if this is not right for you. For instance, you can spread your payments out over more time, but this will increase your interest. It may even be possible to pay based on an exact percentage of your total income. Some loan balances for students are let go when twenty five years have gone by.

Interest Rate

To get a lot out of getting a student loan, get a bunch of credit hours. 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. This will decrease the loan amount.

TIP! Take as many hours each semester as you think you can handle so you don’t waste any money. You may be able to scrape by with 12 hours, but try to at least carry 15 per semester.

Prioritize your loan repayment schedule by interest rate of each one. The loan with the largest interest rate should be paid off first. Using the extra money you have can get these things paid off student loans faster. There is no penalty for paying off a loan more quickly than warranted by the lender.

Lots of folks secure student loans without truly understanding the fine print. It’s essential that you inquire about anything that you don’t understand. A lender may wind up with more money that necessary if there is a term that you don’t understand.

TIP! Be sure to read and understand the terms of any student loans you are considering. You must ask the right questions to clarify what you don’t understand.

Lots of people don’t know what they are doing when it comes to student loans without truly understanding the fine print. You do not want to spend more money on interest and other fees than you don’t.

If you try to get private loans with poor credit, you are sure to need a co-signer. Make sure you keep every payment. If you fail to do so, the co-signer will be responsible for the payments.

TIP! If your credit is abysmal and you’re applying for a student loan, you’ll most likely need to use a co-signer. It is vital you keep current with all your payments.

Stafford and Perkins loans are the best loan options. These are very affordable and safety. This is a good deal because while you may want to consider.Interest rate on the Perkins loan will be around 5%. The Stafford loan only has a rate that does not exceed 6.8%.

PLUS loans are a type of loan that is available only to parents and graduate students. They bear an interest rate of no more than 8.5%. These loans give you a better bang for your buck. This makes it a good option for established and mature students.

TIP! PLUS loans are a type of loan option for parents and graduate students. The PLUS loans have an interest rate below 8.

If you do not have excellent credit and you must put in an application to obtain a student loan through private sources, you are going to need someone to co-sign for you. It is very important that you make all your payments. If you can’t pay, you will saddle your co-signer with the debt.

Your school could have an ulterior motive for recommending you pursue your loan through particular lenders. Schools sometimes allow lenders to refer to the name of the school. This may be deceiving. The school can get a portion of this payment. Know what the loan terms are before signing on the dotted line.

TIP! Why would your school recommend a certain lender to you? Certain schools let private lenders use the name of the school. Such tactics are often misleading.

PLUS loans are student loans that is available only to parents and graduate students. They cap their interest rate of 8.5 percent. This is a bit higher than Perkins and Stafford loan, but the rates are better for private loans. This may be a suitable option for mature students.

Do not consider the idea that a default on your student loan will give you freedom from your debt. The Federal government will be able to recover the money through multiple options. For instance, it could freeze your bank account. They can also take a chunk of the disposable income you have. In many instances, you’ll wind up in a position that is worse than where you started.

Certain Lenders

You do not want student loans to be your sole source of income during you educational years. Keep in mind that you need to save up and look for scholarships or grants to get help. There are websites that will help match you to scholarships and locate grants. Look as early as you can to have the greatest number of options.

TIP! Do not rely on student loans in order to fund your entire education. Be sure to save up as much money as possible, and take advantage of grants and scholarships too.

Remember that your school could have some motivation for recommending certain lenders to you. Schools sometimes let private lenders to refer to the name of the school. This may not be in your best deal.The school might be getting payment or reward if a student signs with certain lenders. Make sure you grasp the nuances of a particular loan prior to accepting it.

Understand what options you have in repaying your loan. If it’s going to be hard for you to survive after graduation, think about acquiring graduated payments. Your initial payments tend to be smaller and slowly rise as you hopefully earn more.

TIP! Be aware of all your repayment options. Check out graduated payments as one option.

Get a meal plan at school to make the long run. This allows you to not worry about what’s on your plate each time you eat because each meal is a flat fee for every meal.

To get a really good bang for your student loan buck, a great idea is to take classes online, rather than at the school itself. This can help you add more hours to full loads and easily schedule your assignments around a job and other classes. This can earn you more semester hours.

TIP! Take online classes to get the most from student loans. You can get more than a full-time load this way and have the convenience of scheduling some classes around your current schedule.

As you have seen, student loans are an important part of financing a college education. This article has now provided you with all the knowledge you need to choose wisely. Use these tips to make the process easier for you.

Try to get federal loans before going to a private loan situation. You get both more and better advantages with federal loans, like interest rates that are fixed and deferment and forbearance options. This means that your rate will not go up or down. You can remain calm and budget more easily.

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