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: September 27, 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

Helpful Hints Student Loans Novices Need To Know

Keep in contact with the lender. Make sure your records are updated, such as your phone number and address. Do not neglect any piece of correspondence your lender sends to you, whether it comes through the mail or electronically. Make sure you take action whenever it is needed. It can be quite costly if you miss anything.

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

Student loan offers often arrive in your mailbox before you even graduate from high school. It might seem like a blessing that you are receiving so many offers to help towards your higher education.

Don’t worry if you can’t pay a student loan off because you don’t have a job or something bad has happened to you. When hardship hits, many lenders will take this into consideration and give you some leeway. However, you should know that doing this could cause your interest rates to increase.

TIP! If you can’t make a payment on your loans because of unforeseen circumstances, don’t worry. Usually, most lenders let you postpone payments if some hardship is proven.

Know how long of a grace period built into having to pay back any loan. This is typically a six to nine month period after graduation before repayments start. Knowing when this allows you to know when to pay your payments are made on time so you don’t have a bunch of penalties to take care of.

Do not forget about private financing. Though federal loans are common, competition in the market does exist. Private loans are not in as much demand, so there are funds available. Investigate around your community for private loans; even a small one can cover room and board for a term or two.

TIP! Remember private financing. While public student loans are widely available, there is much demand and competition for them.

Stay in communication with your lending institution. Make sure you let them know your contact information changes. Take any necessary actions needed as soon as possible. Missing anything in your paperwork can cost you owe a lot more money.

Pay your loan off in two steps. First, ensure you meet the minimum monthly payments on each separate loan. After this, you will want to pay anything additional to the loan with the highest interest. This will reduce how much money spent over time.

TIP! Utilize a methodical process to repay loans. First, make sure you are at least paying the minimum amount required on each loan.

Don’t worry if something happens that causes you can’t make a payment on your student loan due to a job loss or another unfortunate circumstance. Most lenders can work with you put off payments if you lose your current hardship. Just remember that taking advantage of this option often entails a hike in your interest rates.

Know what the grace period is before you have to start paying for your loans. If you have Stafford loans, you will usually have about 6 months. Perkins loans offer a nine-month grace period. Grace periods for other loans vary. Be aware of exactly when you must start making payments, and be sure to make those payments on time!

TIP! Know how long the grace period is between the date of your graduation and the date on which you must start repaying the loans. The period should be six months for Stafford loans.

Focus on paying off student loans with high interest loans. If you solely base your repayment by which ones have a lower or higher balance, there’s a chance you’ll be owing more at the end.

Make certain that the payment plan will work well for you. Many student loans will offer a 10 year repayment plan. There are other ways to go if this is not right for you. If it takes longer to pay, you will face a higher interest charge. Another option some lenders will accept is if you allow them a certain percentage of your weekly wages. Certain student loan balances just get simply forgiven after a quarter century has gone by.

TIP! Choose payment options that fit your financial circumstances. Many loans offer a ten year payment plan.

Select a payment plan that is best for your particular situation. Many loans allow for a decade-long payment term. There are many other choices as well. You might be able to extend the plan with higher interest rate.You may have to pay a certain percentage of your income when you make money. Some loans are forgiven about 25 years later.

Pay off big loans with higher interest rates first. This will reduce the interest you must pay back. Concentrate on repaying these loans before the others. Once it is gone, you can focus on smaller loans. When you make minimum payments against all your loans and pay as much as possible on the largest one, you can eventually eliminate all your student debt.

TIP! Pay off the largest loan to reduce the total principal. You won’t have to pay as much interest if you lower the principal amount.

Choose a payment options that fit your circumstances. Many loans will offer a decade. There are other ways to go if this doesn’t work. For example, you may be able to take longer to pay; however, but you will have higher interest. You can also do income-based payments based on your income. The balances on student loans usually are forgiven after 25 years.

Fill out your paperwork the best that you can. This will give the loan provider accurate information to leverage off of.

TIP! In order to have your student loan paperwork go through as quickly as possible, make sure that you fill out your application accurately. Giving incomplete or incorrect information can delay its processing.

Pay off big loans with higher interest rates first so you can shrink the amount of principal you owe faster. Focus on the largest loans up front. After you’ve paid off a large loan, take the money that was previously needed for that payment and use it to pay off other loans that are next in line. When you make minimum payments on each loan and apply extra money to your biggest loan, you’ll find that it is much easier to eliminate your debt.

The two best loans on a federal level are called the Perkins loan and the Stafford loan. They are cheap and safe. With these, the interest is covered by the federal government until you graduate. The Perkins Loan has an interest rate of five percent. The Stafford loan only has a rate of 6.8 percent.

TIP! The Perkins Loan and the Stafford Loan are both well known in college circles. Many students decide to go with one or both of them.

The prospect of monthly student loan every month can be somewhat daunting for people that are on hard budget already. There are frequently reward programs that can help. Look at websites such as SmarterBucks and LoanLink via Upromise.

PLUS loans are available if you are a graduate student or the parent of one. They have an interest rate that is not more than 8.5 percent. Although this is greater than Perkins loans and Stafford loans, it’s much better than the private loan rates. This makes it a great choice for more established students.

TIP! If you are in graduate school, a PLUS loan may be an option. The interest rate won’t be any larger than 8.

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

Your school could be biased toward certain lenders. For example, there are schools that allow the use of their name by select private lenders. This is really quite misleading. The school might be getting a kickback from the lender. Therefore, don’t blindly put your trust in anything; do your own research.

Be sure to fill out your loan application correctly. Incorrect or incomplete loan information gums up the works and causes delays to your college education.

You do not want student loans to be your sole source of income during you educational years. Try and save money wherever you can, looking into grants or scholarships to help with the cost. You should check out websites that offer scholarship matching to help you find ones that you may qualify for. Start searching right away to be prepared.

TIP! Don’t rely solely on student loans for financing your college experience. You should also save up your money and go after scholarships and grants.

Stafford and Perkins are the best federal student loan options. These two are very affordable and safety. This is a good deal that you may want to consider. Interest rate on the Perkins loan will be around 5%. The Stafford loans are subsidized and offer a fixed rate which is not more than 6.8%.

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 will prevent getting charged for extras and allows you to just pay a flat price for every meal you eat.

TIP! To stretch your student loan money as far as it will go, purchase a meal plan by the meal instead of the dollar amount. With a meal plan based on the meal this means your meal will be a flat fee instead of a per item charge.

If your credit isn’t the best, and you want to apply for private student loans, you will need a co-signer. It is critical that you make all of your payments. If you’re not able to, your co-signer will be held responsible.

Make sure you fully grasp all repayment options. 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 makes your first payments smaller and they get bigger gradually over time, when you are hopefully making more money.

TIP! Explore the different ways you can repay your loans. If it’s going to be hard for you to survive after graduation, think about acquiring graduated payments.

Use caution when getting a private student loan. It can prove difficult to figure out what the terms are exactly. You may not know exactly what you’re signing until after you are already stuck. Get all the pertinent information as you can.

Try finding on-campus employment to supplement your student loan. This will assist your overall finances and reduce the amount of money you must borrow.

TIP! Consider finding a part time job on campus to supplement your income. You will be able to offset expenses and get more money to keep.

Stay connected to lenders or people that supply you the money.This is important as you will want to know all of the information on your loan and stipulations are involved in your payback plan. Your lender should also provide some valuable repayments tips to repay your loan more effectively.

Keep in contact with lenders while in college and after college. Let them know if you moved, have a new email, or new phone number. This way, they can inform you of any pertinent changes made regarding your lender. You should also tell them if you withdraw, transfer, or graduate from college.

TIP! Keep in contact with lenders while you are in school and afterwards. Make sure you get into touch with them if any of your personal information changes like your email or phone number.

College involves many decisions, but the debt you accrue is one of the most important. Figuring out how much to borrow, along with paying high interest can get you into some hot water. Keep this material in mind as you launch your adventures in higher education.

To reduce the student loan debt you’re incurring, try taking dual credit classes and Advanced Placement classes in high school. These will count toward high school. If you test well enough, you will also obtain college credit.

iMARKET COACHING

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coaching@imarketsupport.com

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