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: November 23, 2020

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

Read These Tips Before Getting A Student Loan

Keep in mind that there’s a grace period to follow before it’s time to pay a loan back. This is the amount of time you have before the lender will ask that your payments need to start. Keep this information handy and avoid penalties from forgetting your loans.

TIP! Find out what the grace period is you are offered before you are expected to repay your loan. The grace period is the period between when you graduate and when you have to start paying back your loans.

Are you intimidated by the high school prices intimidating to you? You may wonder how many people can afford expensive schools even during a downward economy. Many people use student loans to cover the cost of getting a degree.You may qualify for one as well, and the following article has many tips on how to apply for one.

Be aware of the terms of any loans you take out. You should always know how much you owe and to whom. Additionally, you should be aware of your repayment obligations. These things matter when it comes to loan forgiveness and repayment. To devise a good budget, you must factor all this in.

TIP! Know all of your loan’s details. You need to watch what your balance is, who the lender you’re using is, and what the repayment status currently is with loans.

Know how long of a grace period built into having to pay back any loan. This usually refers to the period of time you are allowed after you graduate before your payment is due. Knowing this allows you to make sure your payments are made on time so you don’t have a bunch of penalties to take care of.

Always stay in contact with your lender. Let them know if your number, email or address changes, all of which occur frequently during college years. Read all mail you get from lenders. Follow through on it immediately. If you miss any piece of information, you may end up spending more money.

TIP! Stay in touch with your lending institution. Make sure you update them with your personal information if it changes.

Keep in contact with your lender. Make sure they know your personal information if it changes. Take any and all actions you need to take as quickly as you can. Missing anything in your paperwork can cost you owe a lot more money.

Don’t worry about not being able to make a payment on your student loans if something unexpected like job loss has happened. Most lenders have options for letting you put off payments if you are able to document your current hardship. This might increase your interest rate, though.

TIP! Don’t worry about not being able to make a payment on your student loans if something unexpected like job loss has happened. Generally speaking, you will be able to get help from your lender in cases of hardship.

Don’t worry if you from making a payment on your student loan due to a job loss or another unfortunate circumstance. Most lenders can work with you put off payments if you lose your current hardship. Just be aware that doing so may cause interest rates.

Do not forget about private financing. There are lots of student loans available, and there is also a lot of demand and a lot of competition. Private loans are not in as much demand, so there are funds available. Explore the options in your community.

Student Loans

Don’t be driven to fear when you get caught in a snag in your loan repayments. You could lose a job or become ill. Do know that you have options like deferments and forbearance available in most loans. Remember that interest accrues with many loans, so it’s important to at least make the interest portion of your loan payments.

TIP! Never do anything irrational when it becomes difficult to pay back the loan. Job losses and health emergencies are part of life.

Use a process to pay off your student loans. Begin by ensuring you can pay the minimum payments on these student loans. Second, pay anything extra to the loan with the highest interest rate, and not just the largest balance. This will cut down on your liability over the future.

If you are thinking about paying off any of your student loans ahead of schedule, you should focus on the ones that have the highest interest. If you focus on balances instead, you might neglect how much interest you accrue over time, still costing you money.

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

Think about what payment option works for you. A lot of student loans let you pay them off over a ten year period. If that doesn’t work for you, some other options may be out there for you. You might be able to extend the payments, but the interest could increase. You may also have the option of paying a certain percentage of your future earnings. 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. You will most likely be given 10 years to pay back a student loan.

Prioritize your repayment schedule by the interest rate. The loan with the most interest should be your first priority. Using additional money you have can get these things paid off quicker later on. There is no penalty for paying off quicker.

Choose payment options that best serve you. Many student loans come with a ten year length of time for repayment. It is possible to make other payment arrangements. For example, you could extend the amount of time you have to pay, however you will probably have a higher interest rate. Another option some lenders will accept is if you allow them a certain percentage of your weekly wages. After 20 years, some loans are completely forgiven.

TIP! Select a payment option that works best for your situation. A lot of student loans give you ten years to repay.

The prospect of monthly student loan every month can be somewhat daunting for someone on a tight budget. A rewards program may help with this circumstance. Look at websites such as SmarterBucks and LoanLink programs that can help you.

To make your student loan money stretch even farther, consider taking more credit hours. As much as 12 hours during any given semester is considered full time, but if you can push beyond that and take more, you’ll have a chance to graduate even more quickly. When you handle your credit hours this way, you’ll be able to lessen the amount of student loans needed.

TIP! To maximize the value of your loans, make sure to take the most credits possible. 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.

Get the maximum bang for the buck on your student loans by taking as many credit hours each semester.Full-time status is usually 9-12 hours per semester, take a few more to finish school sooner. This helps you minimize the amount of your loan amounts.

Lots of folks enter into student loans without having the foggiest idea of what they are signing on for. Don’t do this! Always understand what you are signing. If you must, ask questions to make sure you understand everything completely. An unscrupulous lender will always look for ways to see if they can get more money out of you.

TIP! Some people apply for loans and sign the papers without understanding the terms. It is vital that you understand everything clearly before agreeing to the loan terms.

If you need for a student loan and do not have good credit, you are going to need someone to co-sign for you. It is vital you keep up with all of your payments. If you miss a payment, the co-signer will be responsible for the payments.

If you don’t have very good credit and need a student loan, chances are that you’ll need a co-signer. Once you have the loan, it’s vital that you make all your payments on time. If you don’t do this, your co-signer is liable for those debts.

TIP! 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.

Do not think that defaulting will relieve you can just default on student loan debts. The government will be able to recover the money back anyway. They can take your income taxes at the end of the year. The government may also lay claim to 15 percent of your disposable income. You could end up worse off than before in some circumstances.

Your school could have an ulterior motive for recommending you pursue your loan through particular lenders. Some colleges permit private lenders to utilize the name of the school. This is misleading. The school may get some kind of a payment if you go to a lender they are sponsored by. Know the terms and conditions of any loan you are considering before you sign anything.

TIP! Your college may have motives of its own for recommending certain lenders. Certain schools let private lenders use the name of the school.

Avoid depending on student loans when it comes to paying for school. Save money wherever possible and do not forget to apply for scholarships. You may find some that will tell you what scholarships or grants you’re eligible to receive.Start looking early so that you’ll find the best information and leave yourself enough time to prepare.

Do not consider the idea that a default on your student loan will give you freedom from your debt. The federal government will go after that money in many ways. For instance, it may garnish part of your annual tax return. It is also possible for the government to garnish 15 percent of all disposable income. You could end up worse off that you were before in some cases.

TIP! Do not think that defaulting will relieve you from your student loan debts. The government has a lot of ways it can try to get its money back.

Understand the options available to you have in repaying your loan. If you think your income initially will not support your bills, you may want to sign up to get graduated payments. This ensures your early payments aren’t huge and go up slowly.

When applying for private student loans, you need to be cautious. It can be difficult to figure out what the terms are exactly. It may be that you are unaware of them until it is too late. After this happens, you may not be able to extricate yourself. Obtain as much information with regard to the terms as possible. If one offer is a ton better than another, talk to your other lenders and see if they’ll beat the offer.

TIP! When it comes to private student loans, exercise extreme care. Finding exact terms is difficult.

These ideas should have helped to point you in the right direction in getting your student loans. Implement the information found above when the time comes to complete financial aid forms to help you obtain the student loans in which you are interested. Don’t let the high costs of school stop you from getting a good quality education.

Don’t rely on student loans for education financing. Keep in mind that you need to put money aside and investigate grants and scholarships that may offer you some financial assistance. There are websites that will help match you to scholarships and locate grants. Start searching right away to be prepared.

October 30, 2020
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