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: August 4, 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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Student Loan Advice For The Modern College Student

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. These important items are crucial when it comes time to pay back the loan. To devise a good budget, you must factor all this in.

Many people need a student loans to get the degree they desire. Keep reading to learn more information on student loans.

Remain calm if you discover that can’t make your payments due to an unforeseen circumstance. Most lenders will let you postpone payments when experiencing hardship. However, you should know that doing this could cause your interest rates to increase.

TIP! Don’t fret when extenuating circumstances prevent you from making a payment. Most lenders can work with you if you lose your job.

Always be aware of specific loan you have. You need to know how much you owe, who your lender is and any current repayment status of your loans. These details can all affect loan forgiveness and repayment options. This will allow you are to budget effectively.

Don’t eschew private student loans for financing a college education. Student loans are known to be plentiful, but there is so much competition involved. Private student loans are far less tapped, with small increments of funds laying around unclaimed due to small size and lack of awareness. Talk to people you trust to find out which loans they use.

TIP! Don’t eschew private student loans for financing a college education. Student loans from the government are plentiful, but they come with a lot of competition.

Always keep in contact with all of your lender.Make sure you let them know your contact information changes. You must act right away if a payment is needed or other information is required. Missing an important piece of mail can cost you valuable money.

Don’t panic if you aren’t able to make a loan payment. Many issues can arise while paying for your loans. There are options that you have in these situations. Just remember that interest keeps accruing in many forms, so try to at least make payments on the interest to keep the balances from increasing.

TIP! If you have trouble repaying your loan, try and keep a clear head. Unemployment or health emergencies will inevitably happen.

Don’t worry if you can’t pay a payment on your student loan due to a job loss or another unfortunate circumstance. Most lenders can work with you if you are able to document your current hardship. Just remember that doing this may cause interest rates.

Identify and specifically choose payment options that are suited to your personal circumstances. Most student loans have a ten year plan for repayment. If this is not ideal for you, look into other possibilities. You might be able to extend the plan with a greater interest rate. Once you start working, you may be able to get payments based on your income. Some loans are forgiven in 25 years.

TIP! Make sure that you specify a payment option that applies to your situation. Lots of student loans offer ten-year repayment plans.

Stafford loans offer loam recipients six month grace period.Other kinds of student loans may have other grace periods. Know when you will have to pay them back and pay them on your loan.

Select a payment option that works best for your situation. Many loans offer a ten year payment plan. Other options may also be available if that doesn’t work out. You may need to extend the time you have to repay the loan. This often comes with an increase in interest. Some student loans will base your payment on your income when you begin your career after college. Some loans’ balances get forgiven after 25 years.

TIP! Pick a payment option which best fits your requirements. 10 years is the default repayment time period.

Choose payment option based on your circumstances. Many of these loans have 10-year repayment plan. There are other options if this is not right for you.For instance, you may be able to take longer to pay; however, however you will probably have a higher interest rate. You could also make when you get a job. Some student loan balances for students are let go when twenty five years have passed.

Pay off larger loans as soon as possible. This will reduce the interest you must pay back. Focus on the big loans up front. After you have paid off the largest loan, begin paying larger payments to the second largest debt. By making minimum payments on all of your loans and the largest payment possible on your largest loan, you will systematically eliminate your student loan debt.

Largest Loans

Increase your credit hours if possible. Try to graduate as soon as you possibly can by taking 15 or 18 hours each semester. This will assist you minimizing your loan amounts.

TIP! To get more from student loan money, try taking as many credits as you can. To be considered a full-time student, you usually have to carry at least nine or 12 credits, but you can usually take as many as 18 credit each semester, which means that it takes less time for you to graduate.

Reduce the total principle by paying off your largest loans as fast as you can. Focus on paying the big loans up front. Once it is gone, simply transfer those payments to the next largest ones. 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.

Many obtain student loans, sign their documents, but remain clueless about what they’re signing into. Ask to get clarification on anything you don’t understand. Otherwise, you could have much more debt than you were counting on.

TIP! It is easy to simply sign for a student loan without paying attention to the fine print. If things feel unclear, it is important to get a better understanding of them right away.

The idea of monthly student loan payments can be somewhat daunting for someone on a tight budget. There are loan rewards opportunities that may benefit you. Look at websites such as SmarterBucks and LoanLink via Upromise.

To make sure your student loan application goes smoothly, make sure the information you include is accurate. Incorrect and incomplete information gums up the works and causes delays to your education.

TIP! If you want your application for a student loan to be processed quickly, ensure that the forms are filled out completely and accurately. If you fail to fill out the forms correctly, there might be delays in financing that can postpone your education.

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 will reduce the total of loans you must take.

The best federal loans are the Stafford loan and the Perkins loan. Generally, the payback is affordable and reasonable. These are good loans because the government pays the interest while you are still in school. The interest for a Perkins loan holds at five percent. The Stafford loan only has a rate of 6.8 percent.

TIP! Stafford and Perkins loans are the best federal student loan options. They are both reliable, safe and affordable.

Student loans are vital for getting through college financially. It is important however that anybody who is thinking about taking out a student loan be well-versed in how to understand the terms of one. These suggestions should benefit you.

If you don’t have very good credit and need a student loan, chances are that you’ll need a co-signer. Make sure you keep every payment. If you do not, you are affecting the credit of the person who went to bat for you.

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