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: November 26, 2020

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

If Student Loans Are For You, So Is This Article

If you have any student loans, it’s important to pay attention to what the pay back grace period is. This is typically a six to nine month period after your graduation before repayments start. Having this knowledge of when your payments are scheduled to begin will avoid incurring any penalties.

TIP! Know how long of a grace period is in effect before you must begin to make payments on the loan. This is the amount of time you are allowed after graduation before you loan becomes due.

You will likely encounter getting a student loan. Maybe you need it now, or maybe sometime this will occur in the future. No matter when, having extensive knowledge of the loan process will be very helpful. The following advice will teach you get on track.

Know the specifics about your loan. Keep track of this so you know what you have left to pay. These details affect your repayment options. It is your responsibility to add this information into your budget plans.

TIP! Know all the little details of your student loans. You must pay close attention to how much you owe, what the terms are and the name of your lending institution.

Know how long of grace periods your loans offer.This is generally the period after you graduate where the payments are due. Knowing when this allows you to make sure your payments on time so you can avoid penalties.

Stay in contact with your lender. Notify them if there are any changes to your address, phone number, or email as often happens during and after college. Also, make sure that you immediately open and read every piece of correspondence from your lender, both paper and electronic. Take any necessary actions as soon as you can. It can be quite costly if you miss anything.

TIP! Stay in touch with your lending institution. Make sure you update them with your personal information if it changes.

Always know all the pertinent to your loans. You must watch your balance, who the lender you’re using is, and monitor your repayment progress. These three things will affect future repayment plans and loan forgiveness options. This information if you are to budget wisely.

Do not panic if a job loss or other emergency makes paying your student loan difficult. Usually, many lenders let you postpone payments if you are able to prove hardship. Just know that the interest rates may rise.

TIP! Don’t panic if you can’t make a payment due to job loss or another unfortunate event. Usually, many lenders let you postpone payments if you are able to prove hardship.

Make sure you are in regular contact with your lenders. Make sure they know if your contact information changes. Take any requested actions as soon as possible. You can end up spending more money otherwise.

Don’t panic when you struggle to pay your loans. Job losses or unanticipated expenses are sure to crop up at least once. There are options such as deferments and forbearance that are available with most loans. Just remember that interest keeps accruing in many forms, so try to at least make payments on the interest to keep the balances from increasing.

TIP! If you’re having trouble repaying loans, don’t panic. Job losses or unanticipated expenses are sure to crop up at least once.

Don’t let setbacks throw you have a tizzy. Unemployment or health emergencies can happen at any time. There are forbearance and deferments for most loans. Just remember that interest is always growing, so try to at least make an interest only payment to get things under control.

If you are considering paying off a student loan early, start with the loans with high interest rates. Calculating the terms properly will prevent spending more money than is necessary by the end of the loan.

Higher Interest Rate

Pick a payment option which best fits your requirements. Most lenders allow ten years to pay back your student loan in full. If this isn’t working for you, there could be a variety of other options. It is sometimes possible to extend the payment period at a higher interest rate. You may also have to pay back a percentage of the money you make when you get a job. Certain types of student loans are forgiven after a period of twenty-five years.

TIP! Make sure your payment option fits your specific situation. Many loans offer payment over a decade.

Pay your loans using a two-step process. Begin by ensuring you can pay off on each of your loans. Second, you will want to pay a little extra on the loan that has the higher interest rate, use it to make extra payments on the loan that bears the higher interest rate rather than the one that bears the highest balance. This will make things cheaper for you over the long run.

Pay off larger loans as soon as possible. You will reduce the amount of interest that you owe. Pay off the largest loans first. Once a big loan is paid off, simply transfer those payments to the next largest ones. Making these payments will help you to reduce your debt.

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

To help maximize the money you get from student loans, sign up for additional credit hours. Full-time students typically have a minimum of nine to twelve hours per semester, but some schools let you take up to fifteen or even eighteen, speeding up your graduation date. When you handle your credit hours this way, you’ll be able to lessen the amount of student loans needed.

TIP! To maximize the value of your loans, make sure to take the most credits possible. While full-time status often is defined as 9 or 12 hours a semester, if you can get to 15 or even 18, you can graduate much sooner.

Pay off your different student loans in terms of interest rates. The highest rate loan with the most interest should be paid first. Using any extra cash available can get these things paid off student loans faster. There are no penalties for early repayment.

Lots of folks secure student loans without truly understanding the fine print. If things feel unclear, it is important to get a better understanding of them right away. If you do not do this, you may end up paying more than you should for your education.

TIP! Lots of people don’t know what they are doing when it comes to student loans. If something is unclear, get clarification before you sign anything.

The prospect of monthly student loan every month can be hard for someone on an already tight budget. You can minimize the damage a little with help from loan rewards programs. Look at websites such as SmarterBucks and LoanLink via Upromise.

Be sure to fill your student loan application correctly. Incorrect or inaccurate information will only delay the process, and that may result in your schooling pushed back to the following semester.

TIP! Fill your application out accurately to get your loan as soon as possible. If you give them information that isn’t right or is filled with mistakes, it can mean the processing will be delayed.

Get the maximum bang for the buck on your student loans by taking as many credits each semester. Full-time status is usually 9-12 hours per semester, take a few more to finish school sooner. This will assist you must take.

If you don’t have good credit, and you are applying for a student loan from a private lender, you will need a co-signer. Keep your payments up to date. When someone co-signs, they are responsible too.

TIP! If your credit is sub-par, you might need a co-signer for private student loans. Once you have the loan, it’s vital that you make all your payments on time.

In summary, you’ll probably need a student loan at some point in your life. Knowing what student loans are all about can really help you out when you want to get the best things for your situation. The above information has offered many tips to get you on your way to applying for student loans.

A PLUS loan is specifically oriented to address the needs of graduate students and/or parents. The interest rate won’t be any larger than 8.5%. While it may not beat a Perkins or Stafford loan, it is generally better than a private loan. It might be the best option for you.

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