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: June 14, 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

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Great Tips For Paying Off Your Student Loans

Know how long of a grace period is in effect before you must begin to make payments on the loan. This is generally a pre-determined amount of time once you graduate that the payments will have to begin. You can get a head start in making timely payments by knowing what your grace period is.

TIP! Make sure you know what the grace period is for your loans before you need to start making payments. The grace period is the amount of time between your graduation date and date on which you must make your first loan payment.

Are you intimidated by the price? You might be curious as to how folks can go to expensive schools though when the economy is not too good. Many people use student loans to cover the cost of getting a degree.You have the ability to obtain loans too, and the information that follows will help you understand more about the process.

Communicate often with the lender. Make sure your records are updated, such as your phone number and address. Also, be sure you immediately read any kind of mail you get from a lender, whether it’s electronic or paper. Make sure that you take all actions quickly. Missing anything could make you owe a lot more money.

TIP! Stay in touch with the lender. Make sure they know your current address and phone number.

Know how long of a grace period built into having to pay back any loan. This generally means the period after your graduation before repayments 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.

Don’t be scared if something happens that causes you to miss payments on your student loans. Usually, most lenders let you postpone payments if some hardship is proven. However, this may negatively affect your interest rate.

TIP! Don’t fret when extenuating circumstances prevent you from making a payment. A lot of times, if you can provide proof of financial hardship, lenders will let you to delay your payments.

Make it a point to be aware of all the fine print related to your student loans. You need to be able to track your balance, who the lender you’re using is, and what your repayment status is. These things matter when it comes to loan forgiveness and repayment options. This is must-have information is necessary to plan your budget accordingly.

If you wish to repay student loans in advance, deal with the ones with the highest interest rates first. You definitely want to pay down the ones with the highest interest rate, because taking care of the lower ones could cause you to end up paying more money.

TIP! If you are thinking about paying off any of your student loans ahead of schedule, you should focus on the ones that have the highest interest. Do not simply pay off the loan that has the smallest amount remaining.

Don’t fret when extenuating circumstances prevent you can’t make a payment. Most lenders have options for letting you if you are able to document your current hardship. Just be aware that doing so may cause the lender to raise the interest rates to rise.

Go with the payment plan that best fits what you need. You will most likely be given 10 years to pay back a student loan. Other options are likely to be open to you if this option does not suit your needs. For example, you might be given a longer time to pay. Keep in mind that this option comes with higher interest. You can pay a percentage once the money flows in. Some balances on student loans are forgiven after a period of 25 years.

Don’t forgo private financing for college. There is quite a demand for this as public loans. Explore the options within your community.

Choose payment options that best serve you. Many student loans come with a ten year length of time for repayment. If this does not appear to be feasible, you can search for alternative options. As an example, it may be possible to extend your payment time, but typically that’ll include a higher interest rate. You may also have to pay back a percentage of the money you make when you get a job. The balances on student loans usually are forgiven once 25 years have elapsed.

TIP! Choose payment options that fit your financial circumstances. Most student loans have a ten year plan for repayment.

Focus on the high interest rates. If your payment is based on what loans are the highest or lowest, then you might actually end up paying back more in the end.

Pay off your biggest loan as soon as you can to reduce your total debt. The smaller your principal, the smaller the amount of interest that you have to pay. Pay those big loans first. Once it is gone, you can focus on smaller loans. By keeping all current and paying the largest down totally first, you will more quickly rid yourself of debt.

Stafford loans provide a six months. Other types of loans can vary. Know when you are to begin paying on time.

Make sure to understand everything about student loans before signing anything. Ask questions so you can clear up any concerns you have. If you do not do this, you may end up paying more than you should for your education.

TIP! Many people get student loans without reading the fine print. Don’t do this! Always understand what you are signing.

Fill out each application completely and accurately for student loans with great accuracy to facilitate quick processing. Incorrect or incomplete information gums up the works and causes delays to your education.

Perkins and Stafford are some of the best federal student loans. Many students decide to go with one or both of them. They are an excellent deal because for the duration of your education, the government will pay your interest. A typical interest rate on Perkins loans is 5 percent. On Stafford loans that are subsidized, the loan will be fixed and no larger than 6.8%.

TIP! The Stafford and Perkins loans are good federal loans. They tend to be affordable and entail the least risk.

If you don’t have great credit, you are going to need someone to co-sign for you. It is vital you make all your payments in a timely manner. If you don’t do this, then your co-signer will be held responsible for those debts.

A co-signer may be necessary if you get a private loan. It’s a good idea to stay up to date with the payments you make. If you miss a payment, you will saddle your co-signer with the debt.

Certain Lenders

Don’t rely on student loans for education financing. Scholarships or grants can be a great way of reducing the amount of money you ultimately have to borrow. There are lots of good scholarship websites that can match you with scholarships and grants that are right for you. Begin early to ensure that you have the necessary funds to pay for your college education.

TIP! Do not depend entirely on student loans to finance your education. Just save your money and try to get as many grants as you can.

Remember that your school may have some motivation for recommending certain lenders to you. There are institutions that allow certain lenders to utilize the school’s name. This may not be in your best deal.The school might get an incentive if you use a certain lenders. Make sure to understand all the subtleties of any loan prior to accepting it.

When you are completing your application for financial aid, be sure that there are no mistakes. This will impact the types of student loans that are offered to you. Talk to a financial aid representative for more advice on the process.

TIP! Be sure to double check all forms that you fill out. This is important because it may affect the amount of the student loan you are offered.

Be wary of applying for private student loans. It can prove difficult to find out what the terms are. You may not know exactly what you’re signing until after you are already stuck. Learn about the loan first.

Know what your repayment options are. 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. This will allow you to make smaller payments when you start out, and then things will increase later when you are making more money.

TIP! Understand the options available to you for repayment. If you believe finances will be tight after graduation, try to get a graduated repayment plan.

After reading the above article getting that student loan is much simpler after you apply the lesson learned here. Use the solid tips from above when you go to fill out the financial aid form to help get the student loans you seek. Don’t be discouraged by the outrageous education costs.

Don’t rely solely on your student loan; get a part-time job. This can help you offset your education expenses besides a loan. You also get to earn some extra money.

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