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 19, 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

Always know all of the key details of any loan you have. You need to be mindful of your balance levels, your current lenders and your repayment status of each loan. All these details are involved in both repayment options as well as forgiveness potentials. You will also need to know these things if you want to have an accurate budget.

Most people have an acquaintance who suffers from a staggering amount of student loans.This article can help you need to make a sound decision.

Don’t panic if you aren’t able to make a loan payment. You will most likely run into an unexpected problem such as unemployment or hospital bills. Luckily, you may have options such as forbearance and deferral that will help you out. Interest continues to compound, however, so a good strategy is to make interest only payments that will prevent your balance from getting bigger.

TIP! Don’t let setbacks throw you into a tizzy. Job loss and health crises are bound to pop up at one point or another.

Always be mindful of what all the requirements are for any student loan details. 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 details affect your ultimate success. This is must-have information if you are to budget accordingly.

Utilize a methodical process to repay loans. Start by making the minimum payments of each loan. Next, pay extra on your loan with the largest interest rate instead of the one with the largest balance. This will cut down on your liability over the long term.

TIP! There are two main steps to paying off student loans. First, be sure to pay the monthly amount due on each loan you have taken out.

Always stay in touch with all of your lenders. Make sure they know if your contact information changes. You need to act immediately if information is required. You may end up spending more money than necessary if you miss anything.

Get a payment option that works for you. Most student loans have a ten year plan for repayment. If that isn’t feasible, there could be alternatives. For instance, you could be given more time but have to pay more interest. You can pay a percentage once the money flows in. There are even student loans that can be forgiven after a period of twenty five years passes.

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

Your principal will shrink faster if you are paying the highest interest rate loans first. This will reduce the interest you must pay back. Stay focused on paying the bigger loans first. Once you pay off a large loan, use the money allotted to it to pay off the one that is the next largest. Making your minimum payments on every loan, and the largest you can on your most expensive one, can really help you get rid of student loan debt.

TIP! Pay off the loan with higher interest rates first so you can shrink the amount of principal you owe faster. If you don’t owe that much, you’ll pay less interest.

Focus initially on the high interest rates. If you try to pay off the ones with the lowest balances first, you could end up paying more than you need to.

The thought of paying on student loans can be daunting. Loan rewards programs can help a little with this, however. Look at websites such as SmarterBucks and LoanLink to learn about this kind of program offered by Upromise. These work like cash back programs, and the money you spend earns rewards that can be applied toward your loan.

TIP! Monthly student loans can seen intimidating for people on tight budgets already. That can be reduced with loan rewards programs.

Select a payment plan that is best for your particular situation. Many loans offer a 10 year payment term. There are many other choices available if you can’t do this. You might be able to extend the plan with a greater interest rates. You might be eligible to pay a percentage of your income once you make money. Some balances on student loans are forgiven when twenty-five years has elapsed.

Increase your credit hours if possible. 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. In the grand course of time, you will end up taking out fewer loans.

Student Loans

Too often, people will accept student loans without contemplating the legal implications. Ask to get clarification on anything you don’t understand. An unscrupulous lender will always look for ways to see if they can get more money out of you.

TIP! Some people sign the paperwork for a student loan without clearly understanding everything involved. It is vital that you understand everything clearly before agreeing to the loan terms.

Pay off student loans in terms of their individual interest rates. The highest rate loan should be dealt with first. Using the extra money you have can help pay off student loans faster. There is no penalty because you have paid them off quicker.

To expedite the process of a student loan, make sure the application is filled out accurately. Your application may be delayed or even denied if you give incorrect or incomplete information.

TIP! To get student loans to go through quicker, fill out the documents properly. You might find your paperwork in a stack waiting to be processed when the term begins.

Get the maximum bang for the buck on your student loans by taking as many credit hours each semester.Full-time status is usually 9-12 hours per semester, take a few more to finish school sooner. This helps you minimize the amount of your loan amounts.

If you are in graduate school, a PLUS loan may be an option. The highest the interest rate will go is 8.5%. Although this rate is higher than that of the Perkins and Stafford loans, it is lower than the rates charged for private loans. These loans are much better suited to an older student that is at graduate school or is close to graduating.

Many people will apply for their student loans without reading what they are getting into. This is one way a lender to get more money than they should.

Understand that school affiliations with lenders can be quite misleading when you are deciding which lender to choose. Some schools let private lenders use the name of the school. This can be misleading. The school can get a portion of this payment. Be sure you understand all the ins and outs of a loan before accepting it.

TIP! Your school may want you to borrow from certain lenders. Many institutions allow selected private lenders to use the school name in their promotions.

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

Do not depend entirely on student loans to finance your education. Make sure you save money for your education and research grants and scholarships to help. The Internet is your friend here; you can find a lot of information on scholarships and grants that might pertain to your situation. Make sure you start your search soon so you can be prepared.

TIP! It’s tempting to do it, but you should never make student loans the only path of paying for your schooling. Remember to also seek out grants and scholarships, and look into getting a part time job.

Remember that your school could have its own motivations for recommending you borrow money from particular lenders. Some colleges allow lending companies to use the name of the school. This may not the best deal. The school might be getting payment if you choose to go with certain lender. Make sure to understand all the subtleties of a particular loan prior to accepting it.

When you apply for financial aid, make sure your application is error free. This is something to be careful with because you may get less of a student loan if something is wrong. If you are concerned about possible errors, make an appointment with a financial aid counselor.

TIP! When you’re trying to fill out a financial aid application, be sure that you’re not making any errors on it. Errors on your application can alter the amount you are loaned.

Don’t buy into the notion that you won’t have to pay your debt back. The Federal government will be able to recover the money. They can take your income taxes at the end of the year. It can also garnish your disposable income. This will leave you in a very bad position.

You can use your student loan money more efficiently by purchasing meal plans that group meals together instead of charging dollar amounts. This will ensure you’re not paying for extras.

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.

Student loans impact your life during and long after your college years. Make sure you know what you are doing before you enter into that student loan. The tips above are for anyone considering taking out loans to further their education.

Stay connected to lenders or people that supply you money. This way, you will have a relationship with the person with whom you will be dealing. You may even get some helpful advice from your lender about how to pay it back.

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Atlanta, Ga. 30309
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