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: October 21, 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

Learn About Student Loans In This Article

Know what kind of grace periods your loans offer. In order words, find out about when payments are due once you have graduated. Having this knowledge of when your payments are scheduled to begin will avoid incurring any penalties.

TIP! Watch for the grace period which is available to you before you are required to repay the loan. This usually refers to the amount of time you are allowed after you graduate to pay back the loan.

Many people find they are overwhelmed or even scare at the prospect of getting a loan for school. This is usually because they don’t know how these loans. This article can clarify everything there is to know about student loan information here.

Know the specifics about your loan. You want to keep track of your balance, who your lender is and any current repayment status of your loans. These details can all have a big impact on any loan forgiveness or repayment options. Budget wisely with all this data.

TIP! Always be mindful of specific loan details. You need to be mindful of your balance levels, your current lenders and your repayment status of each loan.

Know all the little details of your loan. You need to be mindful of your balance levels, what the terms are and the name of your lending institution. These facts will determine your loan repayment plans and forgiveness options. This information if you are to budget accordingly.

Don’t worry if you can’t make a payment on your student loan due to a job loss or another unfortunate circumstance. A lot of the time a lender will allow a payment to be postponed if you show them you’re having a hard time. Your interest may increase if you do this.

TIP! Don’t worry if you can’t make a payment on your student loan due to a job loss or another unfortunate circumstance. The lenders can postpone, and even modify, your payment arrangements if you prove hardship circumstances.

Make sure you are in close contact with the lender. Make sure you let them know if your current address and phone number. You must act immediately if information is required. You may end up spending more money than necessary if you miss anything.

If you’re having trouble repaying loans, don’t panic. Unemployment or health emergencies will inevitably happen. Lenders provide ways to deal with these situations. But bear in mind that interest will still accrue, so consider making whatever payments you can to keep the balance in check.

TIP! Try not to panic if you can’t meet the terms of a student loan. Job losses or unanticipated expenses are sure to crop up at least once.

Don’t panic when you get caught in a snag in your loan repayments. Job losses or unanticipated expenses are part of life. There are options like forbearance and deferments available for such hardships.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.

Take a large amount of credit hours to maximize your loan. Though full-time student status requires 9-12 hours only, if you are able to take 15 or more, you will be able to finish your program faster. This helps you reduce the amount you need to borrow.

Interest Rate

Some people apply for loans and sign the papers without understanding the terms. Ask questions so you can clear up any concerns you have. There are unscrupulous lenders who will take advantage of the unwary.

TIP! Make sure to understand everything about student loans before signing anything. You must ask the right questions to clarify what you don’t understand.

There are two main steps to paying off student loans you have taken out. Begin by figuring out how much money you can pay off on each of your loans. Second, pay anything extra to the loan with the highest 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 reduce your total expenditures to a minimum.

Fill in all of the spaces on your application, otherwise, you may run into delays. If you fail to fill out the forms correctly, there might be delays in financing that can postpone your education.

TIP! To get student loans to go through quicker, fill out the documents properly. Giving incorrect information can cause the process to be delayed, resulting in having to start school later.

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

If you don’t have great credit, you might need a cosigner. Make sure that your payments are up to date. If you’re not able to, then the co-signer is going to be responsible for the debt you have.

TIP! If your credit isn’t the best and you are applying for a student loan, you will most likely need a co-signer. Keep your payments up to date.

Select the payment plan that works for you. Many loans allow for a 10 year payment plans. There are often other options if you need a different solution. You might be able to extend the plan with higher interest rates. You can pay a percentage once the money towards that debt every month. There are even student loans that will be forgiven if you have not got them paid in full within 25 years.

Your school might have motivations of its own when it comes to recommending certain lenders. They may have a deal with a private lender and offer them use of the school’s name. This may not be in your best interest. The school might be getting payment if you choose to go with certain lenders. It is important that you understand the entire loan contract before agreeing to it.

TIP! Keep in mind that the school may have reasons of its own for suggesting you use certain lenders. They may have a deal with a private lender and offer them use of the school’s name.

The idea of paying off a student loan every month can be somewhat daunting for a recent grad on an already tight budget. You can minimize the damage a bit easier with loan reward programs. Look at programs like SmarterBucks and LoanLink to learn about this kind of program offered by Upromise.

Do not consider the idea that a default on your student loan will give you freedom from your debt. The government has several collection tools at its disposal. For instance, it could freeze your bank account. In addition, they can garnish your wages and take a significant portion of your take home pay. In many instances, you’ll wind up in a position that is worse than where you started.

TIP! You aren’t free from your debt if you default on your loans. There are several ways the government can get their money.

If you get a student loan that’s privately funded and you don’t have good credit, you might need a cosigner. It is vital that you stay current on your payments in a timely manner. If you do not do so, then your co-signer will be held responsible for those debts.

Be careful with private loans. It isn’t easy to know what the terms might be. Oftentimes, you aren’t aware of the terms until after you have signed the papers. After this happens, you may not be able to extricate yourself. Try to get every bit of information you can obtain. If you receive a good offer, go to other lenders and see if they’ll beat that offer.

TIP! Be wary of private student loans. Understanding every bit of these loans is difficult.

One form of student loan that is available to parents and graduate students is the PLUS loans. They have a maximum interest rate that is not more than 8.5 percent. This is a bit higher than Perkins and Stafford loans, but is lower than private lenders offer. This makes it a good option is better for more established students.

It’s tempting to do it, but you should never make student loans the only path of paying for your schooling. You should do what you can to earn extra money, and you should also look to see what school grants or scholarships you may be eligible for. Lots of great websites exist that can give you the help you need to connect with the providers of grants or scholarships that match your credentials. Be sure you start to search soon so you’re able to qualify for the best deals.

TIP! It’s tempting to do it, but you should never make student loans the only path of paying for your schooling. You should save money and look for grants and scholarships too.

Your college may have motives of its own for recommending you pursue your loan through particular lenders. Some let private lenders use their name. This is frequently not be in your best deal. The school may receive some sort of payment if you agree to go with a portion of this payment. Make sure to understand all the subtleties of a particular loan prior to accepting it.

Stay in contact with your lender. This way, you will have a relationship with the person with whom you will be dealing. Lenders can also give you advice about paying your loans off.

TIP! Stay in touch with the lender providing your loan. This will keep you informed about the loan and aware of any stipulations to your payment plan.

Double check to ensure that your application for mistakes before you submit it. This is critical for your ability to get less of a student loan that is available to you. Ask for help if you need it.

Make sure you understand your repayment options. If paying back the loan will be an issue once you complete school, you may want to consider a graduated repayment plan. Your payments increase over a period of time, hopefully like your income.

TIP! Understand the options available to you for repayment. 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.

Stay in contact with the lender providing your loan. This is important as you should know all of the information on your loan including what is stipulated by your payback plan. Your lender may also be able to provide some valuable tips to you.

Rather than depending only on your student loans during school, you should bring in extra money with a part time job. This is a great idea because you have additional money coming in that can help supplement the money coming in from the student loan, and help pay some expenses.

TIP! Try to get a job to make money on the side. This will help you to make a dent in your expenses.

Try to get a job you can do on campus to help augment income you receive from student loans. This will assist your overall finances and also give you must borrow.

When you are staring at a high loan balance for a student loan, try to stay calm. The amount owed can seem very large, but remember you’re going to pay it back over an extended time period. If you stay on top of it, you can make a dent in your debt.

TIP! Try not to panic when you are faced with a large balance to pay back with a student loan. This may seem overwhelming; however, you can gradually pay it back.

Make sure you are fully aware of your repayment terms are. You should be clear about your lender needs from you. You need to figure out what to do about these things prior to signing anything on the dotted line.

Stay in touch with your lenders when you graduate. If you have important contact information changes, or a name change, it is crucial that you inform your lender. This ensures that you are privy to any changes in terms or lender information. You also need to make them aware of when you withdraw from college, transfer between schools or graduate.

Student Loans

Try to reduce your costs by taking dual credit classes and using advanced placement. The grades in these classes and the AP test results can get rid of several classes and leave you with fewer hours you must pay for.

TIP! One way to reduce student before it occurs is to take Advanced Placement classes and courses offering dual credit while you are still in high school. Your grades in these courses and the test results could result in your not needing these classes for college, which lowers the number of course hours you need to pay for.

Student loans should not be something that causes you undue anxiety. With the tips you’ve just read, you will be able to successfully tackle the topic of student loans. Be sure to use these tips in order to find the ideal student loan for your needs.

Check out all your options to pay off students loans on time. Paying your student loans on time will help protect your credit score and prevent garnished wages. If multiple payments are too difficult, consolidating your student loans can help.

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