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

Important Information You Need To Know About Student Loans

Do not worry if you are unable to make a student loan payment because you lost your job or some other unfortunate circumstance has occurred. Most lenders have options for letting you put off payments if you are able to document your current hardship. Just be mindful that doing so could make your interest rates rise.

TIP! 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. Lenders will typically provide payment postponements.

Most people cannot get a loan debt. It is important to do your homework on loans prior to getting one. Read this article to find out how to do this.

Don’t panic when you struggle to pay your loans. Many people have issues crop up unexpectedly, such as losing a job or a health problem. There are forbearance and deferments available for such hardships. However, the interest will build during the time you are not making payments.

TIP! Don’t panic if you aren’t able to make a loan payment. Unemployment and health emergencies can happen at any time.

Know how long of grace period is in effect before you must begin to make payments on the loan. This usually means the period after graduation where the payments will become due. Knowing this is over will allow you to know when to pay your payments on time so you don’t have a bunch of penalties to take care of.

There are two main steps to paying off student loans. Try to pay off the monthly payments for your loan. After that, pay extra money to the next highest interest rate loan. This will make things cheaper for you over time.

Don’t neglect private loans for college. There is quite a demand for this as public student loans even if they are widely available. Explore any options in your community.

Keep in mind the time that’s allotted to you as your grace period from when you get out of school until you have to start paying back the loan. For Stafford loans, you should have six months. Perkins loans give you nine months. Other types of student loans can vary. Be aware of exactly when you must start making payments, and be sure to make those payments on time!

TIP! Keep in mind the time that’s allotted to you as your grace period from when you get out of school until you have to start paying back the loan. Stafford loans provide a six month grace period.

Don’t be driven to fear when you get caught in a snag in your loan payment. Unemployment and health emergencies can happen to you from time to time. There are forbearance and deferments available for most loans. Just be mindful that interest continues to accrue in many options, so try to at least make payments on the interest to keep the balances from increasing.

Pay off student loans in interest-descending order. The loan with the largest interest rate should be your first priority. By concentrating on high interest loans first, you can get them paid off quickly. There are no penalties for paying off a loan more quickly than warranted by the lender.

TIP! When the time comes to repay student loans, pay them off based on their interest rate. Pay off the highest interest student loans first.

Focus initially on paying off student loans with high interest rates. If you try to pay off the ones with the lowest balances first, then you might actually end up paying back more in the end.

Many obtain student loans, sign their documents, but remain clueless about what they’re signing into. You must, however, ask questions so that you know what is going on. Otherwise, you could have much more debt than you were counting on.

TIP! Some people sign the paperwork for a student loan without clearly understanding everything involved. If something is unclear, get clarification before you sign anything.

Select a payment arrangement that is best for your particular situation. Many student loans allow for a 10 year payment plan. There are often other options if you can’t do this. You might get more time with higher interest rate. You might also be able to pay a percentage of your income after you begin making money. Some loans get forgiven about 25 years.

If you don’t have very good credit and need a student loan, chances are that you’ll need a co-signer. You should be sure to stay on top of your payments and never miss one. Otherwise, the other party must do so in order to maintain their good credit.

TIP! If you need for a student loan and do not have good credit, you may need a cosigner. Make sure that your payments are up to date.

Select the payment option that is best for your situation. Many loans come with a decade. There are other ways to go if this doesn’t work. For instance, you could extend the amount of time you have to pay, but this will increase your interest. You may negotiate to pay just a set percentage of your income once you begin making money. Some loans are forgiven once twenty five years have gone by.

PLUS loans are a type of loan option for parents and graduate students. These loans do not have a large interest rate compared to private loans. Although it is higher than Perkins and Stafford Loans, you still get a much better rate than one that is private. This may be a suitable option for your situation.

Student Loans

Do not make errors on your aid application. Your accuracy may have an affect on the amount of money you can borrow. Ask someone for help if you are uncertain.

TIP! When completing the application for financial aid, be sure to avoid making any errors. It can really affect what you’ll be offered if you file in error.

Prioritize your repayment of student loans by the interest rate. The highest rate loan should be dealt with first. Using any extra cash available can get these things paid off student loans faster. There are no penalty for paying off your loans early.

Only pay for the meals that you eat; get a meal plan to save money. This will ensure you’re not paying for extras.

TIP! You can use your student loan money more efficiently by purchasing meal plans that group meals together instead of charging dollar amounts. This means that you won’t get gouged for extras in the dining hall line, instead just paying one flat fee for each meal that you eat.

Reduce your total principle by paying off your largest loans first. Focus on paying off big loans up front. After paying off the biggest loan, you can transfer your payments to the second largest one. By making minimum payments on all of your loans and the largest payment possible on your largest loan, you’ll be able to slowly get rid of the debt you owe to the student loan company.

Always stay connected to your lenders. This is important as you will want to know all of the information on your loan and what stipulations are involved in your payback plan. They may even have some great tips on repayment.

TIP! Communicate with the lender or whoever is making the loan to you. It is essential to know the complete information about your loan and any stipulations involved in your repayment schedule.

If you are furthering your education with a college degree, debt is sure to accumulate. This is probably going to be true until college becomes more affordable. Since you have this information, you should feel better about getting a loan.

Make sure you know the details of your repayments requirements. If you think you’ll struggle to afford school after graduating, try applying for graduated payments. Your payments increase over a period of time, hopefully like your income.

iMARKET COACHING

iMarket Coaching is an online amplification platform dedicated to promoting the efforts of individuals seeking to use knowledge from life experiences to grow profitable and impactful coaching businesses.

P.O. Box 78072
Atlanta, Ga. 30309
coaching@imarketsupport.com

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