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 27, 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

Premium Tips For Your Student Loans Needs

Be aware of the grace period that you have before you have to pay back your loan. Typically this is the case between when you graduate and a loan payment start date. Knowing this allows you to make sure your payments are made on time so you can avoid penalties.

TIP! Be aware of the grace period that you have before you have to pay back your loan. This is generally a pre-determined amount of time once you graduate that the payments will have to begin.

Most people who graduate from college these days do so with student loan of some sort. The right way to exit school and still be in good financial shape is to learn all you can about student loans work. Read this article to find out how to do this.

Always be aware of what all the requirements are for any student loan you take out. Stay on top of what your balance is and know which lender you borrowed from, plus what your repayment status is. All these details are involved in both repayment options as well as forgiveness potentials. This information is essential to creating a workable budget.

TIP! Always know all the information pertinent to your loans. You must watch your loan balances, check your repayment statuses, and know your lenders.

Know what kind of grace period is in effect before you must begin to make payments on the loan. This is typically a six to nine month period of time after graduation where the payments are now due. Knowing this allows you to make sure your payments on time so you can avoid penalties.

Paying down your student loans should be done using a two-step payoff method. Begin by ensuring you can pay the minimum payments on each of your loans. Next, pay as much as you can into the balance on the loan which has the greatest interest rate. In this way, the amount you pay as time passes will be kept at a minimum.

TIP! Pay your student loans using a 2-step process. First, make sure you are at least paying the minimum amount required on each loan.

Always be aware of the key details of any loan you have. You must watch your balance, keep track of the lender, and what your repayment status is. These are details affect your ultimate success. This is must-have information if you to budget effectively.

Lower your principal amounts by repaying high interest loans first. If your principal is ower, you will save interest. Focus on the big loans up front. After you’ve paid off a large loan, you can transfer your payments to the second largest one. Pay off the minimums on small loans and a large amount on the big ones.

TIP! Reduce the principal by paying the largest loans first. It should always be a top priority to prevent the accrual of additional interest charges.

Always stay in touch with all of your lender. Make sure you let them know your contact information changes. Take any and all actions are necessary as soon as you can. Missing anything in your paperwork can cost you owe a lot more money.

Making monthly payments is often difficult for those whose budget is tight. Loan programs with built in rewards will help ease this process. For instance, check out SmarterBucks and LoanLink, both of which are offered by Upromise. They will make small payments towards your loans when you use them.

TIP! Having to make a monthly student loan payment is hard for a budget that is already stretched thin. That can be reduced with loan rewards programs.

Don’t be driven to fear when you get caught in a slight hiccup when paying back your loans. Unemployment or health emergencies can happen at any time. 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 keep the balances from increasing.

To get a lot out of getting a student loan, get a bunch of credit hours. 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 to lower your loan amounts.

TIP! You can stretch your dollars further for your student loans if you make it a point to take the most credit hours as you can each semester. While full-time status often is defined as 9 or 12 hours a semester, if you can get to 15 or even 18, you can graduate much sooner.

Focus initially on paying off student loans with high interest rates. You definitely want to pay down the ones with the highest interest rate, the accruing interest will add up to more over time.

Never sign anything without knowing what exactly it says and means. Always ask any questions that come up or if you need anything clarified. This is a good way for you to get scammed.

Stafford loans have a period of six months. Other types of loans may have other grace periods. Know when you are to begin paying on time.

In order to have your student loan paperwork go through as quickly as possible, make sure that you fill out your application accurately. Giving incorrect information can cause the process to be delayed, resulting in having to start school later.

TIP! Your student loan application must be filled out correctly in order to be processed as soon as possible. If you fail to fill out the forms correctly, there might be delays in financing that can postpone your education.

The idea of monthly student loan every month can seem daunting for a recent grad on a tight budget. There are loan rewards programs that can help. Look at websites such as SmarterBucks and LoanLink programs that can help you.

Stafford and Perkins loans are the best federal student loan options. They are the safest and least costly loans. This is a great deal due to your education’s duration since the government pays the interest. The interest rate on a Perkins loan is 5 percent. Subsidized Stafford Loans will have an interest rate that goes no higher than 6.8 percent.

TIP! The Stafford and Perkins loans are the best options in federal loans. These are very affordable and are safe to get.

If your credit is sub-par, you may need a cosigner. It is vital you keep up with all of your payments. If you fail to do so, then your co-signer will be held responsible for those debts.

If you try to get private loans with poor credit, you are sure to need a co-signer. Once you have the loan, it’s vital that you make all your payments on time. If you don’t keep up, your co-signer will be responsible, and that can be a big problem for you and them.

TIP! If you get a student loan that’s privately funded and you don’t have good credit, you have to get a co-signer most of the time. You have to make every single payment.

PLUS loans are something that is available only to parents and graduate school is being funded. The highest the interest rate will never exceed 8.5% This costs more than Perkins or Stafford loans, however it’s better than most private loans. This makes it a good option is better for more established and mature students.

A PLUS loan is specifically oriented to address the needs of graduate students and/or parents. They have an interest rate that is not more than 8.5 percent. Although it is higher than Perkins and Stafford Loans, you still get a much better rate than one that is private. This is the best option for mature students.

TIP! Look into PLUS loans for your graduate work. Their interest rate does not exceed 8.

Your college may have motives of its own for recommending you pursue your loan through particular lenders. Some schools let private lenders use the name of the college. This is frequently not be in your best deal. The school can get a commission for your loan. Make sure you grasp the nuances of any loan prior to accepting it.

Use caution if you are considering getting a private student loan. Terms are usually unclear in these loans. Oftentimes, you aren’t aware of the terms until after you have signed the papers. You may not be able to get out of the loan then. Get as much information as you can. If you get a great offer, check with other lenders to see if they will meet or beat it.

TIP! Be very cautious about private student loans. Many times, it is difficult to ascertain exactly what the terms are.

Defaulting on a loan is not an easy way out. The Federal government can recover that money if they want it. They can take this out of your income taxes at the end of the year.The government may also lay claim to 15 percent of the income you make. This will put you worse off.

Make sure the lender always has your updated contact information. This is something you have to do so you know what your loan is all about and what you have to do to pay the loan back later on. They may give you some wise advice for repaying the loans.

TIP! Stay in contact with the bank who loaned you the money. 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.

Use caution if you are considering getting a private loan.It can be hard to find out the terms are exactly. You may not know exactly what you’re signing until you’ve signed the paperwork. Get as much information as you need first.

When your loan is big, don’t panic. Keep in mind that even a large amount will eventually be reduced with monthly payments. You can reduce your student debt by committing to hard work and regular payments.

TIP! When you are staring at a high loan balance for a student loan, try to stay calm. This is something that can be paid back over time.

If you are among those pursuing an advanced degree, you surely realize the fact that student loan debt is a virtual inevitability. This is probably going to be true until college becomes more affordable. With the tips above, you should feel better about dealing with student loans.

Talk to your lenders when you graduate. Let them know if your name, phone number, email or address have changed. This ensures the lender will be able to contact you. You must also notify them if you graduate, transfer, or withdraw from college.

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