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: May 12, 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

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Need Help With Student Loans? Read This

Make sure you know what the grace period is for your loans before you need to start making payments. Usually, there is a time period after you leave school before you must begin paying the loans. Knowing when 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.

Many people need to take out student loans if they want to go to college. This article can help you on the process.

Make it a point to be aware of all the important facets of your student loans. You need to know how much you owe, your repayment status and which institutions are holding your loans. These details are imperative to understand while paying back your loan. This information is essential to creating a workable budget.

TIP! Always be mindful of specific loan details. Stay on top of what your balance is and know which lender you borrowed from, plus what your repayment status is.

Keep in touch with your lender. Make sure they know if your contact information changes. Take any and all actions needed as soon as you can. Missing anything could make you valuable money.

Always stay in contact with your lender. When you make changes to your address or phone number, make sure you let them know. Read all letters which you are sent and emails, too. If any requests are made or important stipulations are shared with you, act on them right away. You may end up spending more money otherwise.

TIP! Stay in touch with your lending institution. Make sure you let them know if your contact information changes.

Don’t panic if you get caught in a loan payment. Unemployment or a health emergencies can happen at any time. There are forbearance and deferments for such hardships. Just know that the interest will build up in some options, so try to at least make payments on the interest to keep the balances from increasing.

Don’t panic if you have a slight hiccup when paying back your loans. There is always something that pops up in a persons life that causes them to divert money elsewhere. You may have the option of deferring your loan for a while. Keep in mind that interest often continues accruing, so do your best to at least make interest payments to keep from having a larger balance.

TIP! Do not panic if an emergency makes paying your loans temporarily difficult. Many people have issues crop up unexpectedly, such as losing a job or a health problem.

Select a payment option that works best for you. Many of these loans offer 10 year payment plans. There are other options if this is not right for you.For instance, you may be able to take longer to pay; however, but this will increase your interest. You may also make payments based on your income once you begin making money. Sometimes student loans are written off after 25 years.

Pay off your different student loans in terms of their individual interest rates. You should always focus on the higher interest rates first. Anytime you have extra cash, apply it toward your student loans. Prepayment of this type will never be penalized.

TIP! When it comes time to pay back your student loans, pay them off from higher interest rate to lowest. The highest rate loan should be paid first.

Reduce the total principle by getting things paid off as fast as you can. Focus on the big loans off first. After you’ve paid your largest loan off in full, use those payments to pay off the next highest one. When you make minimum payments on each loan and apply extra money to your biggest loan, you’ll find that it is much easier to eliminate your debt.

Payments for student loans can be hard if you don’t have the money. Loan rewards programs can help a little with this, however. For instance, look into SmarterBucks and LoanLink, products of Upromise. These work like cash back programs, and the money you spend earns rewards that can be applied toward your loan.

TIP! Anyone on a strict budget who is facing the repayment of a student loan is put in a difficult situation. Loan rewards programs soften the blow somewhat.

Many people apply for student loans and sign paperwork without really understanding what they are signing. This is an easy way that lenders use to get more than they should.

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. You must then make sure to make every single payment. If you can’t pay, your co-signer will also be liable.

TIP! If your credit is sub-par, you might need a co-signer for private student loans. It is vital that you stay current on your payments.

Fill out each application completely and accurately for student loans with great accuracy to facilitate quick processing. Incorrect and incomplete loan information can result in having to delay your education.

Your school may want you to borrow from certain lenders. Some colleges allow lending companies to use the name of the college. This can mislead you if you are not careful. The school might get an incentive if you use a certain lender. Know all about a loan prior to agreeing to it.

TIP! Keep in mind that your institution of learning may have ulterior motives for steering you toward specific lenders. For example, there are schools that allow the use of their name by select private lenders.

Stafford and Perkins loans are the best loan options. These are highest in affordability and affordable. This is a good deal because while you may want to consider.Interest rates for a Perkins loan is five percent. The subsidized Stafford loan only has a rate that does not exceed 6.8%.

Get rid of thinking that defaulting on a loan means freedom. The federal government has multiple options available to recover its money. For instance, you might see money withheld from Social Security payments or even your taxes. It can also claim 15 percent of your disposable income. You could end up worse off in some circumstances.

TIP! Do not think that you can just default on student loans to get out of paying them. Unfortunately if you do this, the federal government will use all means necessary to recover this debt.

Your college may have motives of its own for recommending you pursue your loan through particular lenders. Schools sometimes allow lenders use the name of the school. This may not the best deal. The school can get money if you choose a certain lender. Make sure to understand all the subtleties of any loan prior to accepting it.

Take extra care with private loans. These have many terms that are subject to change. Never sign an agreement without understanding the terms of the contract. At this point, it may be very difficult to extricate yourself. Learn about the loan up front. If you receive an offer that’s great, see if other lenders can beat or match it.

TIP! When it comes to private student loans, exercise extreme care. These can be tricky when it comes to the specifics surrounding the terms.

Don’t buy into the notion that you can default on your debt back. The government can try to get its money back. They can take this out of your taxes or Social Security. It is also possible for the government to garnish your wages. You could end up worse off that you were before in some circumstances.

When completing the application for financial aid, be sure to avoid making any errors. This is crucial because any mistakes could affect how much aid you are offered. If you are unsure of anything in your application, talk with a financial aid counselor at your school.

TIP! As you fill out your application for financial aid, ensure that everything is correct. Accurately filling out this form will help ensure you get everything you are qualified to get.

Use caution if you are considering getting a private loan.It can be difficult to find out what the exact terms are exactly. You may not know exactly what you are signing until it is too late.Get as much information you need first.

To extend to value of your loan money, try to get meal plans that do not deduct dollar amounts, but rather include whole meals. A plan that presumes you will eat every time food is served may overcharge you.

TIP! If you want to stretch out your student loans a little farther, get a meal plan which deals in terms of meals instead of 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.

Don’t rely solely on student loans for education financing. Save your money wherever possible and do not forget to apply for scholarships. There are some good scholarship sites to tap into. Start looking early so you’re best information and assistance.

Stay in contact with your lender. In this way, your lender will always be able to contact you with important information regarding your loan. Your lender should also provide some valuable repayments tips to you.

TIP! Stay in touch with the lender. This is important because you should know everything about your loan including what is stipulated by your repayment plan.

Be sure to fill out your applications This is something to be careful with because you may get less of student loans that are offered to you. Ask for help from an adviser if you are uncertain.

Understand what options you have in repaying your loan. If you believe finances will be tight after graduation, try to get a graduated repayment plan. This allows your initial payments to be smaller, then as time goes on they gradually increase when hopefully you are making more money.

TIP! Figure out what you have as repayment options. If you think you’ll struggle to afford school after graduating, try applying for graduated payments.

Get a meal plan on campus; this will save you money in the most of your student loans.This will prevent getting charged for extra dining money since it’s just a flat fee for every meal.

Find a job at your school to help pay off your debt. By doing so you will not be relying solely on a loan and will also be able to earn some spending money.

TIP! Try finding a job at your college to help augment student loans costs. That way some of your education’s expenses can be offset with something else besides a loan, plus you can have some extra money.

As stated earlier, lots of folks need student loans to get their degrees. Now that you have gone over the article here, you should have what it takes if you want to make a smart decision. Using this advice will simplify the process.

If you think that you can’t make a payment, talk to your lender right away. The lender will be more likely to assist you if your payment is current. You may be offered a deferment or a reduction in the payment.

April 20, 2021
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