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: March 25, 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 All About Student Loans In This Article

Always figure out what the details of the loans you have out are. You must watch your loan balances, check your repayment statuses, and know your lenders. These important items are crucial when it comes time to pay back the loan. This information is essential to creating a workable budget.

TIP! Make sure you understand the fine print related to your student loans. You want to keep track of your balance, who your lender is and any current repayment status of your loans.

Student loans are an important part of getting a valuable option for you in college. So it’s a good idea to get smart and learn about student loan before signing anything. Read on to discover some valuable information you can use when taking a student loan.

Remain 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. Anytime you receive a phone call, email or paper letter from your lender, pay attention to it as soon as it is received. Perform all actions to do as soon as you can. Overlooking things can end up being very expensive.

TIP! Make sure you stay in close contact with your lenders. Always update them anytime your address, email or phone number changes, which can happen a lot during college.

Know that there’s likely a grace period is in effect before you must begin to make payments on the loan. This generally the period after you graduate where the payments will become due. Knowing this is over will allow 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.

It is acceptable to miss a loan payment if serious extenuating circumstances have occurred, like loss of a job. Most lenders have options for letting you put off payments if you are able to document your current hardship. However, you should know that doing this could cause your interest rates to increase.

TIP! Don’t be scared if something happens that causes you to miss payments on your student loans. Lenders will typically provide payment postponements.

Always be aware of what all the requirements are for any student loan you have. You must watch your loan balances, keep track of the lender, and know your lenders. These important items are imperative to understand while paying back your loan. You need this information if you want to create a good budget.

Do not panic when you are faced with paying back student loans. Unforeseen circumstances such as unemployment or health issues could happen. Keep in mind that forbearance and deferment options do exist with most loans. Make sure you realize that interest will keep building, so think about making at least interest payments so that you can keep balances from growing out of control.

TIP! Try not to panic if you can’t meet the terms of a student loan. Health emergencies and unemployment are likely to happen sooner or later.

Don’t panic if something happens that causes you can’t make a payment due to job loss or another unfortunate event. Most lenders can work with you put off payments if you are able to document your job. Just keep in mind that doing this may raise interest rates.

If you are in the position to pay off student loans early and inclined to do so, make sure you begin with the loans that carry the highest rate of interest. If you focus on balances instead, you might neglect how much interest you accrue over time, still costing you money.

TIP! If you want to pay off student loans before they come due, work on those that carry higher interest rates. If you focus on balances instead, you might neglect how much interest you accrue over time, still costing you money.

Don’t panic if you aren’t able to make a snag in your loan payment. Job losses or unanticipated expenses are part of life. There are forbearance and deferments for such hardships. Just remember that interest is always growing, so try to at least make payments on the interest to prevent your balance from growing.

If you have more than one student loan, pay each off according to interest rates. Begin with the loan that has the highest rate. Paying a little extra each month can save you thousands of dollars in the long run. There are no penalties for paying off a loan faster.

Focus on the high interest rates. If your payment is based on what loans are the highest or lowest, you may pay more interest that you have to.

Pay off larger loans as soon as possible. If you don’t owe that much, you’ll pay less interest. Pay those big loans first. After paying off the biggest loan, use those payments to pay off the next highest one. 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! Pay off big loans with higher interest rates first. You won’t have to pay as much interest if you lower the principal amount.

Pay off larger loans with higher interest rates first.Focus on paying off big loans up front. Once a large loan has been paid off, simply transfer those payments to the next largest ones. When you apply the biggest payment to your biggest loan and make minimum payments on the other small loans, you’ll find that it is much easier to eliminate your debt.

The prospect of having to pay a student loan every month can be hard for people that are on hard budget already. A loan rewards program may help with this circumstance. For examples of these rewards programs, look into SmarterBucks and LoanLink from Upromise. This can help you get money back to apply against your loan.

TIP! Anyone on a budget may struggle with a loan. There are loan rewards programs that can help with payments.

Get the maximum bang for the buck on your student loans by taking as many credits each semester. Full-time is considered 9 to 12 hours per semester, so getting between 15 and 18 can help you graduate sooner.This lets you minimize the loan money you need.

Squeeze in as many possible credit hours as you can to maximize your student loans. Generally, being a full-time student is seen as 9 to 12 hours per semester, but if you can squeeze in between 15 or 18, then you should be able to graduate sooner. This helps you shave off some of the cost of your loans.

Fill out paperwork the best that you can. Incorrect or incomplete information gums up the works and causes delays to your education.

Many people apply for student loans and sign paperwork without really understanding what they are getting into. Don’t do this! Always understand what you are signing. If you must, ask questions to make sure you understand everything completely. This is one way a lender may collect more payments than they should.

Student Loans

Fill out paperwork for student loans with great accuracy to facilitate quick processing. If you provide faulty information, processing can be delayed, and you may have to postpone starting classes.

TIP! If you wish to get your student loan papers read quickly, be sure that your application is filled out without errors. If you make any errors on the paperwork, this can cause a hold up in your getting the loan, which could cause you to be unable to pay for school when the semester starts.

Clearly, many aspects of student loans are there to be learned. Your decisions can benefit you or haunt you forever. Borrowing properly is best, so use the tips above when dealing with student loans.

Your school might have motivations of its own when it comes to recommending certain lenders. Some lenders use the school’s name. This is really quite misleading. A school might get a kickback for you signing up for that lender. Make sure you know all the details of any loan before signing on the dotted line.

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