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

Student Loan Advice That You Can Trust Completely

Find out when you must begin repayments. This generally means the period after you graduate where the payments will become due. Being aware of this information allows you to make your payments in a timely manner so that you do not incur costly penalties.

TIP! Keep in mind that there’s a grace period to follow before it’s time to pay a loan back. This is typically a six to nine month period after your graduation before repayments start.

Student loans are very helpful in quite handy. Just know that loans differ from grants and scholarships, and it must be paid back.You have to pay the money back.To learn how to do that, read the following interesting tips.

Read the fine print on student loans. You need to be able to track your balance, know who you owe, and what your repayment status is. These important items are crucial when it comes time to pay back the loan. It will help you budget accordingly.

TIP! Know the specifics about your loan. You need to be mindful of your balance levels, your current lenders and your repayment status of each loan.

Don’t be scared if something happens that causes you to miss payments 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 job. Just know that doing so may cause interest rates to rise.

Remain in contact with your lender. Keep them updated on your personal information. Do not neglect any piece of correspondence your lender sends to you, whether it comes through the mail or electronically. You need to act immediately if a payment is needed or other information is required. If you forget about a piece of mail or put something aside, you could be out a bunch of money.

TIP! Keep in close touch with your lender. Make sure you let them know if your contact information changes.

Don’t eschew private loans for college. There is not as much competition for this as public student loans even if they are widely available. Explore the options within your community.

Pay off all your student loans using two steps. Start by making the minimum payments of each loan. Second, if you have any extra money, use it to make extra payments on the loan that bears the higher interest rate rather than the one that bears the highest balance. In this way, the amount you pay as time passes will be kept at a minimum.

Student Loans

It is important to know how much time after graduation you have before your first loan payment is due. Stafford loans have a grace period of six months. Perkins loans are about 9 months. Other loan types are going to be varied. Keep in mind exactly when you’re supposed to start paying, and try not to be late.

TIP! Know how long the grace period is between the date of your graduation and the date on which you must start repaying the loans. The period should be six months for Stafford loans.

Pay your student loans off using a two-step process.Begin by ensuring you can pay the minimum payments on these student loans. Second, make extra payments on the loan whose interest rate is highest, use it to make extra payments on the loan that bears the higher interest rate rather than the one that bears the highest balance. This will cut back on your liability over the long term.

Think about what payment option works for you. Many loans offer a decade-long payment term. If that doesn’t work for you, some other options may be out there for you. For example, you might have to take a while to pay a loan back, but that will make your interest rates go up. You can put some money towards that debt every month. Some loans are forgiven in 25 years.

Stafford loans offer six months. Other types of student loans’ grace periods vary. Know when you will have to pay them back and pay them on your loan.

When you pay off loans, pay them off from highest to lowest interest rates. Pay off the one with the highest interest rate first. Using additional money to pay these loans more rapidly is a smart choice. Student loans are not penalized for early payoff.

TIP! Look to pay off loans based on their scheduled interest rate. Pay off the highest interest rate loan first.

Select a payment option that is best for you. Many loans offer a ten year payment plans. There are other ways to go if this doesn’t work. For example, you can take a longer period to pay, however you will probably have a higher interest rate. You can also make payments based on your income. Some student loan balances are let go when twenty five years have passed.

Your principal will shrink faster if you are paying the highest interest rate loans first. When you reduce your overall principal, you wind up paying less interest over the course of the loan. Pay off larger loans first. After you have paid off the largest loan, begin paying larger payments to the second largest debt. When you make an effort to pay off your largest loans with the largest payments possible and pay the minimum on smaller loans, you’ll find that it is much easier to eliminate your debt.

TIP! Reduce the principal by paying the largest loans first. The less principal that is owed, the less you’ll have to pay in interest.

Pay off your biggest loan to reduce your total debt. Focus on the largest loans off first. Once it is gone, transfer the payments to your next large one. By making sure you make a minimum payment on your loans, you will systematically eliminate your student loan debt.

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. Though full-time student status requires 9-12 hours only, if you are able to take 15 or more, you will be able to finish your program faster. This will help reduce how much you have to borrow.

TIP! Increase your credit hours if possible. If you sign up for more course credits each semester you can graduate a lot quicker, which in the end will save you a lot of money.

The prospect of having to pay a student loan payments can be hard for someone on an already tight budget. You can make things a little with loan reward programs. Look at websites such as SmarterBucks and LoanLink programs that can help you.

Lots of folks secure student loans without truly understanding the fine print. It’s a good idea to speak with the lender to ask about thing you don’t know too much about. A lender may wind up with more money that necessary if there is a term that you don’t understand.

TIP! A lot of people apply for a student loan and sign things without having knowledge of what they’re doing. Don’t do this! Always understand what you are signing.

Many people will apply for their student loans and sign paperwork without really understanding what they are signing. This is one way a lender may collect more payments than they are supposed to.

Parents and graduate students can make use of PLUS loans. The interest rate won’t be any larger than 8.5%. These loans give you a better bang for your buck. This means that this is a suitable choice for students who are a bit older and better established.

TIP! There is a loan that is specifically for graduate students or their parents known as PLUS loans. The interest doesn’t rise above 8.

By going over what you’re learning here, you can make sure that you know all you need to know about student loans. Finding a good deal on loans might be a difficult task, but it’s not impossible. Stay patient and utilize this information.

Keep in mind that a college may have its reasons for pointing your toward certain lenders for loans. Schools sometimes allow lenders to refer to the name of the school. This is frequently not the best deal. A school might get a kickback for you signing up for that lender. Know all about a loan prior to agreeing to it.

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