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: January 21, 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

Read This To Learn About Student Loans

Know how long of a grace period is in effect before you must begin to make payments on the loan. This usually means the period of time after graduation where the payments are now due. Being aware of this will help you get a jump start on payments, which will help you avoid penalties.

TIP! Do know that you are probably going to have a post-graduation grace period from your student loans before you are required to start making payments back. In order words, find out about when payments are due once you have graduated.

Many people today would love to a quality education but don’t think they can’t because of the high costs. While it is correct that colleges are very expensive, student loans can make college affordable. The article below will help you navigate the loan process.

When paying off student loans, do it using a two-step process. Start by making the minimum payments of each loan. Pay extra on the loan with the highest interest rate. In this way, the amount you pay as time passes will be kept at a minimum.

TIP! Use a process that’s two steps to get your student loans paid off. First you need to be sure that you know what the minimum payments for the loans will be each month.

Always be mindful of what all the requirements are for any student loan you take out. You must pay close attention to how much you owe, your current lenders and your repayment status of each loan. These three details all factor heavily into your repayment and forgiveness options. This is must-have information if you are to budget accordingly.

Check the grace period of your student loan. For example, you must begin paying on a Stafford loan six months after you graduate. Others, like the Perkins Loan, allot you nine months. Other types can vary. Do you know how long you have?

TIP! Check the grace period of your student loan. Stafford loans offer six months of grace period.

Don’t fret when extenuating circumstances prevent you can’t make a payment on your student loan due to a job loss or another unfortunate circumstance. Most lenders have options for letting you if you are able to document your current hardship. Just be mindful that taking advantage of this option often entails a hike in your interest rates.

Go with the payment plan that best fits what you need. In the majority of cases, student loans offer a 10 year repayment term. If this does not fit your needs, you may be able to find other options. For instance, it may be possible to stretch out your payments for a longer period of time, although you will end up paying more interest. You may also have the option of paying a certain percentage of your future earnings. Some student loans offer loan forgiveness after a period of 25 years has elapsed.

TIP! Go with the payment plan that best fits what you need. A lot of student loans let you pay them off over a ten year period.

Don’t be driven to fear when you struggle to pay your loans. Unemployment and health emergencies can happen to you from time to time. Do be aware of your deferment and forbearance available in most loans. Just remember that interest is always growing, so try to at least make payments on the interest to prevent your balance from growing.

Pick a payment option that works bets for you. In most cases, 10 years are provided for repayment of student loans. There are other ways to go if this is not right for you. If you take a loan at a higher interest rate, for example, you can extend your time to pay. Your future income might become tied into making payments, that is once you begin to make more money. Some student loans are forgiven once twenty five years have gone by.

TIP! Choose a payment option based on your circumstances. The average time span for repayment is approximately one decade.

Select the payment arrangement that works well for your needs. Many loans offer a decade-long payment plan. There are often other choices available if this is not preferable for you. You might be able to extend the plan with higher interest rate.You might be eligible to pay a certain percentage of your income after you get some work. Some balances pertaining to student loans get forgiven about 25 years.

If you wish to get your student loan papers read quickly, be sure that your application is filled out without errors. Giving incomplete or incorrect information can delay its processing.

TIP! Fill in all of the spaces on your application, otherwise, you may run into delays. Giving incorrect information can cause the process to be delayed, resulting in having to start school later.

Choose payment option that is best suited to your needs. Most loans have a ten year plan for repayment. There are other options if this is not right for you.For example, you might secure a longer repayment term, your interest will be higher. You could also have to pay back a percentage of the money you make when you get a job. Some student loan balances are forgiven after 25 years.

Perkins and Stafford are some of the best federal student loans. They tend to be affordable and entail the least risk. They are a great deal because the government pays the interest on them during the entirety of your education. The interest for a Perkins loan holds at five percent. The Stafford loans are a bit higher but, no greater than 7%.

Interest Rate

Bad credit will mean you need a cosigner on a private loan. Make every payment on time. If you don’t, then your co-signer will be held responsible for those debts.

TIP! If you have poor credit and are looking for a private loan, you will need a co-signer. It is critical that you make all your payments in a timely manner.

Prioritize your loan repayment of student loans by interest rate of each one. The loan with the largest interest rate needs paid down fastest and first. Using your extra cash can help you get these loans paid off quicker. There is no penalty because you have paid them off your loans early.

Keep in mind that your school could have other motivations when they recommend certain lenders. Some schools allow private lenders to use the school name. This is misleading. Schools may actually receive money from the lender of you end up taking out a loan. Know the terms and conditions of any loan you are considering before you sign anything.

TIP! Your school could be biased toward certain lenders. There are institutions that actually allow the use of their name by specific lenders.

Reduce the principal by paying off your largest loans first. Focus on paying the big loans off first.After you have paid off the largest loan, apply the amount of payments to the second largest one. When you make an effort to pay off your largest loans with the largest payments possible and pay the minimum on smaller loans, you get rid of the debts from your student loans systematically.

Banish the notion that defaulting on your student loans means freedom from debt. The government has a lot of ways it can try to get its money back. For instance, it can claim portions of Social Security or tax return payments. They can also take money out of your paycheck. You could end up worse off that you were before in some cases.

TIP! Defaulting on your loans is not an easy way out. The government has a lot of ways it can try to get its money back.

The prospect of having to pay a student loan payments can be somewhat daunting for someone on hard budget already. You can make things a little with help from loan rewards programs. Look at programs like SmarterBucks and LoanLink to learn about this kind of program offered by Upromise.

To make sure that your student loan dollars go as far as possible, buy a meal plan that goes by the meal rather than the dollar amount. 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.

TIP! In order to maximize your student loan, try not to overspend by buying meal plans which offer per year, not a dollar amount. This means you’re not going to have to pay a lot for the food you eat if you’re not able to get food that day from the school.

Get many credit hours each semester as you can. Full-time is considered 9 to 12 hours per semester, so getting between 15 and 18 can help you graduate sooner.This helps you reduce the amount of loan money you need to borrow.

Always stay connected to your lenders. This is important because you should know everything about your loan including what is stipulated by your repayment plan. He or she may have useful information for you.

TIP! Keep the communication lines open with your student loan lender. This will keep you informed about the loan and aware of any stipulations to your payment plan.

Many people will apply for their student loans and sign paperwork without reading what they are getting into. This is an easy way a lender to get more money than they are supposed to.

Know what the options for repayment are. If you are worried about making ends meet after you leave school, consider asking for graduated payments. Your starting payments are small and will increase as your salary and security increases.

TIP! Know what your repayment options are. If you anticipate financial constraints immediately following graduation, think about a loan with graduated payments.

Stafford and Perkins are the best federal student loan options. These are both safe and safety. This is a good deal that you are in school your interest will be paid by the government. The Perkins loan has a small five percent. The subsidized Stafford loan only has an interest rate of 6.8 percent.

Try to get a part-time job to keep an income stream going while in school. This will help you contribute money and avoid taking out such a large loan.

TIP! To augment the income from your student loan, make sure that you also find a job on campus. In this way, you will be able to offset certain expenses in ways besides loans, and you will be able to enjoy a bit of spending money as well.

One form of loan that is available to parents and graduate students is the PLUS loan. The highest the interest rate will never exceed 8.5% This is a bit higher than Perkins and Stafford loans, but it is better than rates for a private loan. This is often a great choice for students further along in their education.

Contact the lender quickly if you suspect you will find it difficult to make your payment on time. By keeping the financial institution in the loop, you will be more likely to have their cooperation. It is possible that you qualify for lower or deferred payments.

TIP! If you find that you will not have the available funds to make a particular payment, let your lender know right away. If you give them a heads up ahead of time, they’re more likely to be lenient with you.

As previously mentioned, college is costly, so it is quite important that you know how to go about obtaining a student loan. Once you have great tips to follow as evidenced from above, getting financing for your education is simple. Be sure to use these tips when dealing with financial aid.

Take AP classes in high school to lessen your debt. You essentially have to pay for less hours thanks to getting college credits while still in high school.

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