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 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

Great Tips For Paying Off Your Student Loans

Speak with your lender often. Always update them anytime your address, email or phone number changes, which can happen a lot during college. Do not put off reading mail that arrives from the lender, either. You need to act immediately if a payment is needed or other information is required. Missing an important piece of mail can end up costing a great deal of money.

TIP! Remain in contact with your lender. Make sure they always know your address, phone number and email, all of which can change often during your college experience.

Many people today would love to a high-quality education but don’t think they can’t because of the high costs. School is pricey indeed, but student loans make the dream of a higher education a possibility. Read this article to find out how to go about applying for one.

Don’t be scared if something happens that causes you to miss payments on your student loans. Typically, most lenders will allow you to postpone your payments if you can prove you are having hardships. However, you should know that doing this could cause your interest rates to increase.

TIP! Don’t fret when extenuating circumstances prevent you from making a payment. When hardship hits, many lenders will take this into consideration and give you some leeway.

Know how long of grace period is in effect before you must begin to make payments on the loan. This usually refers to the period of time after you graduate before repayments is required. Knowing this is over will allow you to make sure your payments on time so you don’t have a bunch of penalties to take care of.

Think about getting a private loan. Student loans from the government are plentiful, but they come with a lot of competition. Not as many students opt for private student loans and money stays unclaimed because not too many people are aware of them. See if you can get loans for the books you need in college.

TIP! Consider private funding for your college education. There are lots of student loans available, and there is also a lot of demand and a lot of competition.

Be sure you understand the fine print of all loans.You must watch your loan balances, check your repayment statuses, and monitor your repayment progress. These details are going to have a lot to do with what your loan repayment and if you can get forgiveness options. This is must-have information is necessary to plan your budget accordingly.

When paying off your loans, go about it in a certain way. Start by making the minimum payments of each loan. After that, pay extra money to the next highest interest rate loan. This will keep to a minimum the total sum of money you utilize over the long run.

TIP! Implement a two-step system to repay the student loans. Start by making the minimum payments of each loan.

Don’t worry if you can’t make a payment. Most lenders can work with you put off payments if you are able to document your job. Just be aware that doing this may cause interest rates to rise.

If you want to pay down student loans faster than scheduled, start with the highest interest rate loans first. If you base your payment on which loans are the lowest or highest, there is a chance that you will end up owing more money in the end.

TIP! If you want to pay off student loans before they come due, work on those that carry higher interest rates. If you base your payment on which loans are the lowest or highest, there is a chance that you will end up owing more money in the end.

Don’t panic when you aren’t able to make a loan payment. Unemployment or a health emergencies can happen at any time. There are forbearance and deferments available for most loans. Just remember that interest is always growing, so try to at least make payments on the interest to prevent your balance from growing.

Pick the payment option that works best for you. Many loans offer a decade-long payment term. There are other options if you can’t do this. For instance, you may pay back within a longer period of time, but it will be with higher interest rates. You can put some money towards that debt every month. There are some student loans that will be forgiven if you have not got them paid in full within 25 years.

TIP! Choose your payment option wisely. Many of these loans offer a ten year repayment period.

Focus on the high interest rates. If you solely base your repayment by which ones have a lower or higher balance, there is a chance that you will end up owing more money in the end.

Pick out a payment option that you know will suit the needs you have. Many student loans offer 10 year payment plans. If this isn’t possible, then look around for additional options. For example, you may be able to take longer to pay; however, your interest will be higher. Your future income might become tied into making payments, that is once you begin to make more money. Some loans are forgiven after a 25-year period.

TIP! Pick a payment plan that works best for you. Many of these loans have 10-year repayment plans.

Stafford loans typically give you six month grace period. Other types of loans may have other grace periods. Know when you will have to pay them back and pay them on your loan.

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. Full-time status is usually 9-12 hours per semester, so getting between 15 and 18 can help you graduate sooner. In the grand course of time, you will end up taking out fewer loans.

TIP! To get the most out of your student loan dollars, take as many credit hours as possible. Full-time is considered 9 to 12 hours per semester, take a few more to finish school sooner.

Select a payment plan that works well for your needs. Many loans come with a 10-year plan for repayment. There are many other choices available if you need a different solution. You might get more time with a greater interest rate. You may also possibly have the option of paying a certain percentage of your future earnings. Some loans are forgiven in 25 years later.

Fill out paperwork for student loans with great accuracy to facilitate quick processing. 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! It is very important that you correctly fill out all student loan documents to ensure the timely process of them. If you provide faulty information, processing can be delayed, and you may have to postpone starting classes.

Choose the payment option that is best suited to your financial circumstances. Many student loans offer 10 year repayment plan. There are other ways to go if this doesn’t work. For instance, you could extend the amount of time you have to pay, your interest will be higher. You might also do income-based payments after you are bringing in money. Some loan balances are forgiven after twenty five years have passed.

When applying for private loans without good credit, you will need a cosigner. Make sure that your payments are up to date. If you default, your cosigner will be responsible for the payments.

Largest Loan

There are specific types of loans available for grad students and they are called PLUS loans. Their interest rate doesn’t exceed 8.5%. These rates are higher, but they are better than private loan rates. This is the best option for mature students.

TIP! PLUS loans are known as student loans for parents and also graduate students. The interest isn’t more than 8.

Pay off the largest loan with higher interest rates first so you can shrink the total principal. Focus on paying the big loans up front. After you’ve paid your largest loan off in full, begin paying larger payments to the second largest debt. If you make minimum payments on your loans while paying as much as possible on the largest loan, your student loan balances will disappear.

Defaulting on your loans is not an easy way out. The government has multiples ways to collect on debt. The federal government can garnish your taxes and disability payments. They can also take a chunk of the disposable income you have. You can easily find yourself in a very bad position that will take many years to get out of and cause many headaches.

TIP! Get the idea out of your head that you will be forgiven for a student loan that you have defaulted on. The government has multiples ways to collect on debt.

PLUS student loans are something that you should consider if graduate students. The highest the interest rate will never exceed 8.5% This is a bit higher than Perkins and Stafford loan, but it will be a better rate than a private loan. This loan option for more established students.

Keep your eyes open when dealing with a private student loan. Finding out the specific terms can be challenging. Many times, you will not know until you’ve already signed for them. After this happens, you may not be able to extricate yourself. Learn about each loan first. If you get a great offer, check with other lenders to see if they will meet or beat it.

TIP! Be leery of applying for private loans. The terms of such loans can be difficult to ascertain.

Keep in mind that your school you attend could have a hidden agenda when they recommend certain lenders. There are schools that actually allow certain lenders to utilize the school’s name. This may not be in your best deal.The school might get some kind of a payment if you go to a student signs with certain lenders. Make sure you grasp the subtleties of a particular loan prior to accepting it.

Never depend totally on a loan to pay for your schooling. Keep in mind that you need to save up and look for scholarships or grants to get help. The Internet is your friend here; you can find a lot of information on scholarships and grants that might pertain to your situation. Be sure you start to search soon so you’re able to qualify for the best deals.

TIP! Avoid relying totally on student loans when it comes to paying for your education. Try and save money wherever you can, looking into grants or scholarships to help with the cost.

Don’t buy into the notion that you won’t have to pay your loans to free up money.The government has many ways to get the money through multiple options. They can take this out of your income taxes at the end of the year.The government also lay claim to 15 percent of your income. You will probably be worse off than before in some circumstances.

Be sure to fill out your applications for financial aid accurately. It can really affect what you’ll be offered if you file in error. If you have any questions about filling out the application, talk to experts on financial aid from your college.

TIP! As you fill out your application for financial aid, ensure that everything is correct. This is something to be careful with because you may get less of a student loan if something is wrong.

Understanding student loans is a valuable step in the process. If you know what you are doing, there is no reason to fear a loan. Apply these tips at every stage of the process.

Understand your repayment options at all times. 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. Thus, your payments early on will be smaller, and then gradually grow after you begin earning more.

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