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: May 12, 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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Helpful Hints Student Loans Novices Need To Know

Verify the length of the grace specified in the loan. This is the period of time after your graduation before your payment is due. Staying aware of when this period ends is the right way to make sure you never have late payments.

TIP! Be aware of the grace period that you have before you have to pay back your loan. This usually refers to the amount of time you are allowed after you graduate to pay back the loan.

You will likely encounter getting a student loan. Maybe you want one now, or perhaps it’ll happen down the road. No matter when it may happen, having extensive knowledge of the loan process will be very helpful. The following paragraphs are full of information you get on track.

Keep in touch with the lender you’re using. Make sure they always know your address, phone number and email, all of which can change often during your college experience. Do not put off reading mail that arrives from the lender, either. Take the actions you need to take as quickly as you can. If you miss important deadlines, you may find yourself owing even more money.

TIP! Keep in contact with the lender. Update your address, phone number or email address if they change which sometimes happens quite frequently during your college days.

Know what kind of a grace periods your loans offer. This usually refers to the amount of time you are allowed after your graduation before repayments is required. Knowing this allows you to know when to pay your payments on time so you can avoid penalties.

Never do anything irrational when it becomes difficult to pay back the loan. Job losses and health emergencies are part of life. Remember that forbearance and deferment options are widely available on a lot of loans. Just remember that interest is always growing, so making interest-only payments will at least keep your balance from rising higher.

TIP! Don’t panic if you aren’t able to make a loan payment. Life problems such as unemployment and health complications are bound to happen.

Know all the little details of your loan. You need to watch what your balance is, know who you owe, and what your repayment status is. These facts will affect future repayment plans and forgiveness options. This will allow you are to budget wisely.

Use a two-step process to pay off your student loans. Try to pay off the monthly payments for your loan. Second, make extra payments on the loan whose interest rate is highest, not the loan that has the largest balance. This will keep your total expenditures to a minimum.

TIP! Pay your loan off in two steps. Make sure you pay the minimum amount due each month.

Don’t panic if you from making a student loan off because you don’t have a job or something bad has happened to you. Most lenders have options for letting you put off payments if you lose your current hardship. Just keep in mind that doing so may cause the lender to raise the interest rate on your loan.

If you want to pay off student loans before they come due, work on those that carry higher interest rates. If you think you will be better off paying the one with the highest monthly payments first, you may be wrong. Best to look at the interest rates.

TIP! If you are considering paying off a student loan early, start with the loans with high interest rates. If you get your payments made on the loans that have the lowest or the highest, it can cost you extra in the end.

Don’t forgo private financing to help pay for college. There is not as much competition for this as public student loans even if they are widely available. Explore the options within your community.

Your loans are not due to be paid back until your schooling is complete. Make sure that you find out the repayment grace period you are offered from the lender. Stafford loans offer a period of six months. Perkins loans have a nine-month grace period. Grace periods for other loans vary. Do you know how long you have?

TIP! Your loans are not due to be paid back until your schooling is complete. Make sure that you find out the repayment grace period you are offered from the lender.

Pay your student loans using two steps. Always pay the minimum.Second, you will want to pay a little extra on the loan that has the higher interest rate, not the loan that has the largest balance. This will keep to a minimum the amount of money you spend over time.

Go with the payment plan that best fits what you need. The majority of student loans have ten year periods for loan repayment. 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. After you begin to make money, you might be able to use a certain percentage of that income to help pay down the student loan. Some balances are forgiven if 25 years have passed.

Focus on paying off student loans with high interest loans. If you pay off the wrong loans first, it can cost you extra in the end.

Pick a payment plan that works best for you. A lot of student loans give you ten years to repay. You may discover another option that is more suitable for your situation. For instance, you can possibly spread your payments over a longer period of time, but you will have higher interest. You could start paying it once you have a job. After 20 years or so, some balances are forgiven.

Stafford loans typically allow six months of grace period. Other types of student loans vary.Know when you are to begin paying on time.

To keep from having your student financial loans delayed, it’s important to pay attention and fill out the paperwork correctly before submitting. If you provide faulty information, processing can be delayed, and you may have to postpone starting classes.

TIP! To keep from having your student financial loans delayed, it’s important to pay attention and fill out the paperwork correctly before submitting. If you make a mistake, it will take longer to go through.

The idea of paying off a student loan payments can seem daunting for a recent grad on a tight budget. You can make things a bit easier with loan reward programs. Look at websites such as SmarterBucks and LoanLink via Upromise.

If your credit is sub-par, you might need a co-signer for private student loans. Keep your payments up to date. If you don’t your co-signer will be responsible for it.

TIP! When applying for private loans without good credit, you will need a cosigner. Keep your payments up to date.

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

One type of student loan that is available to parents and graduate students is the PLUS loans. The interest rate on these loans will never exceed 8.5% This is a better rate than that of a private loan, though higher that those of Perkins or Stafford loans. These loans are much better suited to an older student that is at graduate school or is close to graduating.

TIP! PLUS loans are a type of loan option for parents and graduate students. They cap their interest rate at 8.

In summary, you’ll probably need a student loan at some point in your life. Possessing a thorough knowledge base with regard to student loans makes the entire process much better. This article provided you with the basics, and you should apply them as needed.

Banish the notion that defaulting on your student loans means freedom from debt. Unfortunately if you do this, the federal government will use all means necessary to recover this debt. The federal government can garnish your taxes and disability payments. The government can also lay claim to 15 percent of your disposable income. You will probably be worse off than before in some cases.

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