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

Read This To Learn About Student Loans

Always know all the information pertinent to your loans. 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. Budget wisely with all this data.

Most people have an acquaintance who suffers from a staggering amount of student debt. This article has the tips you feel more comfortable with student loans.

Remain in contact with your lender. Keep them updated on your personal information. It is also important to open and thoroughly read any correspondence you receive from your lender, whether it is through traditional or electronic mail. Take action right away. If you don’t do this, then it can cost you in the end.

TIP! Keep in touch with the lender you’re using. Keep them updated on any change of personal information.

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 monitor your repayment progress. These details all affect loan forgiveness and repayment. This will allow you to budget wisely.

Do not panic if an emergency makes paying your loans temporarily difficult. Anything can come up and interfere with your ability to pay, such as a medical emergency or getting laid off from work. Remember that forbearance and deferment options are widely available on a lot of loans. Just be mindful that interest continues to accrue in many options, so at least consider making interest only payments to keep balances from rising.

TIP! If you’re having trouble repaying loans, don’t panic. Job loss and health crises are bound to pop up at one point or another.

Always keep in touch with all of your lender. Make sure they know if your current address and phone number. Take the actions needed as quickly as you can. Missing anything could make you valuable money.

Paying down your student loans should be done using a two-step payoff method. Start by making the minimum payments of each loan. 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! A two-step process can be used to pay your student loans. First, ensure you make all minimum monthly payments.

Don’t forgo private loans for your college years. There is quite a demand for this as public student loans even if they are widely available. Explore any options in your community.

If you want to pay off student loans before they come due, work on those that carry higher interest rates. If you think you will be better off paying the one with the highest monthly payments first, you may be wrong. Best to look at the interest rates.

TIP! If you’re considering repaying any student loan ahead of time, focus on those with the largest interest. You may owe more money if you don’t prioritize.

There are two steps to approach the process of paying off student loans. Always pay the minimum.Second, if you have any extra money, and not just the largest balance. This will cut back on the future.

Know how much time your grace period is between graduating and when you need to start paying back loans. If you have Stafford loans, you will usually have about 6 months. Perkins loans offer a nine month grace period. For other loans, the terms vary. Know when you are to begin paying on your loan.

TIP! It is important to know how much time after graduation you have before your first loan payment is due. For Stafford loans, the period is six months.

Select a payment option that works for your needs. Many of these loans come with a decade-long payment term. There are many other options if you can’t do this. You might get more time with a greater interest rate. You can pay a percentage once you finally do start making money. Some loans get forgiven in 25 years later.

Pick a payment plan that suits your particular needs. Many loans offer a ten year payment plan. If this does not appear to be feasible, you can search for alternative options. You could extend the payment duration, but you’ll end up paying more. Some student loans will base your payment on your income when you begin your career after college. It’s even the case that certain student loans are forgiven after a certain time period, typically 25 years.

TIP! Choose the right payment option for you. Many loans offer a ten year payment plan.

Pay off your different student loans in order of their individual interest rates. The one carrying the highest rate loan should be paid first. Using additional money to pay these things paid off quicker later on. There are no penalty for repaying sooner than expected.

Some people sign the paperwork for a student loan without clearly understanding everything involved. Ask to get clarification on anything you don’t understand. It is simple to receive more cash than they were meant to.

TIP! Some people sign the paperwork for a student loan without clearly understanding everything involved. Always ask any questions that come up or if you need anything clarified.

The prospect of monthly student loan every month can be hard for someone on hard budget already. You can make things a bit easier with loan rewards programs. Look at websites such as SmarterBucks and LoanLink programs that can help you.

To make sure your student loan application goes smoothly, make sure the information you include is accurate. You might find your paperwork in a stack waiting to be processed when the term begins.

TIP! It is very important that you correctly fill out all student loan documents to ensure the timely process of them. Any information that is incorrect or incomplete can delay it being processed, potentially causing you to miss important deadlines and putting you behind in school.

Get the maximum bang for the buck on your student loans by taking as many credits 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 cost of your loans.

Perkins and Stafford are some of the best federal student loans. These two are considered the safest and most affordable. With these, the interest is covered by the federal government until you graduate. Perkins loans have a rate of 5 percent interest. Subsidized Stafford Loans will have an interest rate that goes no higher than 6.8 percent.

Interest Rate

PLUS loans are a type of loan option for parents and graduate students. The PLUS loans have an interest rate below 8.5%. Although this is greater than Perkins loans and Stafford loans, it’s much better than the private loan rates. This makes it a great choice for more established students.

TIP! A PLUS loan is a loan that can be secured by grad students as well as their parents. The highest the interest rate will go is 8.

Stafford and Perkins are the most advantageous federal loans to get. These are highest in affordability and most affordable. This is a good deal because while you may want to consider.Interest rate on the Perkins loan will be around 5%. Subsidized Stafford loans have an interest rate that goes no higher than 6.8 percent.

Be very cautious about private student loans. It may be challenging to find the terms. You may not even know them until you’ve signed the paperwork. You may not be able to get out of the loan then. Gather as much facts and information as you are able to. If you get an offer that’s good, speak with other lenders so you can see if they can offer the same or beat that offer.

TIP! Be wary of private student loans. Terms are usually unclear in these loans.

After graduating from college, many people find themselves saddled with immense amounts of debt. For that reason, anyone contemplating borrowing money to finance their education must pay close attention to what they are doing. Use what you’ve just learned to take advantage of student loans without negatively affecting your future.

Do not simply apply for loans and let that be the end of it. Try and save money wherever you can, looking into grants or scholarships to help with the cost. The Internet is your friend here; you can find a lot of information on scholarships and grants that might pertain to your situation. Make sure you start your search soon so you can be prepared.

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