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: April 22, 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

In Need Of Advice About Student Loans? Read This

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. Generally, your lender will work with you during difficult situations. However, this may negatively affect your interest rate.

TIP! 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. Many times a lender will allow the payments to be pushed back if you make them aware of the issue in your life.

Student loans are important of the college process. Learning everything possible about student loans is important to ensure you do not wind up in serious trouble after you graduate. Continue on and learn about student loans.

Consider private funding for your college education. Student loans are known to be plentiful, but there is so much competition involved. Private loans are not in as much demand, so there are funds available. Loans such as these may be available locally and at a minimum can help cover the cost of books during a semester.

TIP! Don’t forgo private loans for college. While public student loans are widely available, there is much demand and competition for them.

Always know all the pertinent to your loans. You must watch your balance, keep track of the lender, and what your repayment status is. These are details that play an important role in your repayment options. This will allow you are to budget wisely.

If an issue arises, don’t worry. Life problems such as unemployment and health complications are bound to happen. There are options like forbearance and deferments for most loans. But bear in mind that interest will still accrue, so consider making whatever payments you can to keep the balance in check.

TIP! If an issue arises, don’t worry. Unemployment or a health problem can happen to you from time to time.

Don’t be scared if something happens that causes you can’t make a payment due to job loss or another unfortunate event. Most lenders have options for letting you if you lose your current hardship. Just know that the interest rates.

When paying off your loans, go about it in a certain way. First, always make minimum payments each month. Second you should pay whatever you’re making extra to a loan that has a high interest rate, not the one with a higher balance. This will reduce how much money spent over time.

TIP! Use a process that’s two steps to get your student loans paid off. Try to pay off the monthly payments for your loan.

Don’t neglect private financing to help pay 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.

Select the payment arrangement that is best for you. Lots of student loans offer ten-year repayment plans. If you can’t make this work for your situation, check out other options if you can. You can pay for longer, but it will cost you more in interest over time. Also, paying a percent of your wages, once you start making money, may be something you can do. Some balances on student loans are forgiven when twenty-five years have passed.

TIP! Pick out a payment option that you know can meet the needs you have. Most student loan companies allow the borrower ten years to pay them back.

Don’t be driven to fear when you into a tizzy. Job losses or unanticipated expenses are part of life. There are options like 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.

Your principal will shrink faster if you are paying the highest interest rate loans first. The smaller your principal, the smaller the amount of interest that you have to pay. Set your target on paying down the highest balance loans first. Once you pay a big loan off, you can transfer the next payments to the ones that are next in line. By making sure you make a minimum payment on your loans, you’ll be able to slowly get rid of the debt you owe to the student loan company.

TIP! Paying off your biggest loans as soon as you can is a sound strategy towards minimizing your overall principal. When you owe less principal, it means that your interest amount owed will be less, too.

Use a process that’s two steps to get your student loans. Begin by figuring out how much money 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, not the loan that has the largest balance. This will make it to where you spend less money is spent over time.

To get a lot out of getting a student loan, get a bunch of credit hours. Sure a full time status might mean 12 credits, but if you can take 15 or 18 you’ll graduate all the quicker. This helps reduce the total of loans.

Focus on the high interest loans.If you try to pay off the ones with the lowest balances first, it can cost you extra in the end.

Many obtain student loans, sign their documents, but remain clueless about what they’re signing into. Ask questions so that you are completely aware. Lenders sometimes prey on borrowers who don’t know what they are doing.

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

Fill out each application completely and accurately for faster processing. If you give information that is incomplete or incorrect, it can delay the processing, which means that you could end up unable to begin a semester, putting you half a year behind.

Student Loan

If you apply for a private student loan and your credit is not that great, you are going to need someone to co-sign for you. Make sure you keep every payment. If you don’t, the person who co-signed is equally responsible for your debt.

TIP! If you don’t have very good credit and need a student loan, chances are that you’ll need a co-signer. It is vital that you stay current on your payments.

Select the payment option that works for your needs. Most student loan companies allow the borrower ten year plan for repayment. There are other choices available if you need a different solution. You might be able to extend the plan with higher interest rate.You might also be able to pay a percentage of what you earn once you finally do start making money. Some student loan forgiveness after a period of 25 years has passed.

Do not think that defaulting will relieve you from your student loan debts. There are various ways that your finances can suffer because of unpaid student loans. The federal government can take your Social Security payments or take your tax refunds if money is owed. The government can also lay claim to 15 percent of your disposable income. Therefore, defaulting is not a good solution.

TIP! Do not think that defaulting will relieve you from your student loan debts. There are various ways that your finances can suffer because of unpaid student loans.

Choose the payment option that is best suited to your circumstances. Many student loans have 10-year repayment plans. There are other ways to go if this doesn’t work. For example, you can spread your payments out over more time, your interest will be higher. You might also be able to pay a percentage of your income once you are bringing in money. Some student loan balances for students are forgiven after twenty five years have gone by.

Keep your eyes open when dealing with a private student loan. These have many terms that are subject to change. Sometimes, you really will not know what you have gotten into until you’ve already committed to a loan. It could be hard to get out of them. Learn about them in detail before selecting one. When getting a good offer, look at some other lenders to figure out if they match or surpass it.

TIP! Take great care when it comes to taking out private loans. The terms of such loans can be difficult to ascertain.

Many people apply for student loans and sign paperwork without reading what they are signing. This is an easy way a lender may collect more money than they are supposed to.

Do not simply apply for loans and let that be the end of it. Scholarships or grants can be a great way of reducing the amount of money you ultimately have to borrow. There are a lot of great websites that help you with scholarships so you can get good grants and scholarships for yourself. Try not to delay and get out and get looking as quickly as possible.

TIP! It’s tempting to do it, but you should never make student loans the only path of paying for your schooling. Just save your money and try to get as many grants as you can.

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.

Double-check your application for financial aid to ensure that it is free of errors. 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.

Interest Rate

Understand your repayment options at all times. 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 ensures your starting payments aren’t huge and go up slowly.

TIP! Make sure you fully grasp all repayment options. If you think you’ll struggle to afford school after graduating, try applying for graduated payments.

Stafford and Perkins loans are two of the best federal student loan options. These are the most affordable and affordable. This is a good deal because while you may want to consider.The Perkins loan interest rate of five percent. Subsidized Stafford Loans will have an interest rate cap of 6.8%.

To augment the income from your student loan, make sure that you also find a job on campus. By doing so you will not be relying solely on a loan and will also be able to earn some spending money.

TIP! Don’t rely solely on your student loan; get a part-time job. You will be able to offset expenses and get more money to keep.

PLUS student loans are something that you should consider if graduate students. The interest rate on these are kept reasonable. This is higher than Stafford loans and Perkins loans, but less than privatized loans. This makes it a good option is better for established and mature students.

Be sure to get in touch with your lender right away if you feel as though you cannot make one of your payments. Your lender will be much more forgiving if they know this in advance. You may be offered a deferment or a reduction in the payment.

TIP! You should let your lender know if you are going to have trouble making a payment. They’ll want to work on the problem with you to resolve it.

Your college may have motivations of its own when it comes to recommending certain lenders. Some let these private lenders to utilize the name of the school. This may not be in your best deal.The school can get a portion of a payment if you go to a lender they are sponsored by. Make sure you grasp the nuances of any loan prior to accepting it.

To make sure you minimize how much a debt costs you, get into AP classes and dual credit classes that you can take in high school. You essentially have to pay for less hours thanks to getting college credits while still in high school.

TIP! AP courses and dual credit classes are an excellent way of getting college credit without spending any money. You can cut out some of your college credits using dual credit classes or Advanced Placement exams, which means less college hours you have to wind up financing.

Do not think that you from your student loan debts. The government has multiple options available to recover its money. They can take this out of your taxes or Social Security. The government also lay claim 15 percent of your income. This will put you worse off.

Check out all your choices that you can use to pay off your student loans on time. It’s a good idea to make sure you pay things on time so you have a good credit rating and won’t have to deal with garnished wages. If you have a problem making multiple loan payments each month, you might consider consolidation options.

Student Loans

To keep you borrowed student loan amount down, try taking all the AP classes when in high school that you’re able to. The AP classes give you a college level competency exam at the end. AP classes can get you college credit if you do well enough.

TIP! Take AP classes during high school to help save money. At the end of the course, your competency in the subject will be tested.

Without great care, student loans can end up harming you financially for years to come. The easiest way to be protected from tough financial times after you graduate is to fully understand what student loans entail. This article can be very beneficial for you.

Pay off loans with high interest rates first. This tried and true system will help you get out of debt quickly. Track each individual loan’s terms, balance and interest rate. Pay your loans on time and keep accurate records.

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