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: October 18, 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
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  • 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

certain lenders

Understand the grace period of your loan. Usually, there is a time period after you leave school before you must begin paying the loans. Having this information will help you avoid late payments and penalties.

Not many people can afford to go to college without any sort of financial aid. A student loan will help finance the cost of a college education.

Be aware of the terms of any loans you take out. You need to watch what your balance is, who the lender you’re using is, and what the repayment status currently is with loans. These three things will affect future repayment plans and forgiveness options. This is necessary so you can budget.

TIP! Be sure you know all details of all loans. Stay on top of what your balance is and know which lender you borrowed from, plus what your repayment status is.

Know what kind of grace period is in effect before you must begin to make payments on the loan. This is generally the period of time after graduation when the payments are due. Knowing this is over will allow you to know when to pay your payments are made on time so you can avoid penalties.

Don’t let setbacks throw you into a tizzy. You could lose a job or become ill. Virtually all loan products offer some form of a forbearance or deferment option that can frequently help. Make sure you realize that interest will keep building, so think about making at least interest payments so that you can keep balances from growing out of control.

TIP! If you have trouble repaying your loan, try and keep a clear head. You could lose a job or become ill.

Always be mindful of specific loan you have. You need to be mindful of your balance levels, what the terms are and the name of your lending institution. These important items are imperative to understand while paying back your loan. This is must-have information if you to budget effectively.

Pay off all your student loans using two steps. Try to pay off the monthly payments for your loan. After that, pay extra money to the next highest interest rate loan. This will cut back on the amount of total interest you wind up paying.

TIP! Implement a two-step system to repay the student loans. Try to pay off the monthly payments for your loan.

Don’t panic if you have a loan payment. Job losses and health crises are part of life. There are forbearance and deferments for most loans. Just know that the interest will build up in some options, so at least consider making interest only payments to keep balances from rising.

If you are in the position to pay down your student loans, make the high interest loans your first priority. This will reduce the total amount of money that you must pay.

Stafford loans offer loam recipients six month grace period.Other types of loans may have other grace periods. Know when you are to begin paying on time.

Pick the payment option that works best for you. Many student loans come with a 10-year plan for repayment. You may be able to work a different plan, depending on your circumstances. For instance, it may be possible to extend the loan’s term; however, that will result in a higher interest rate. After you begin to make money, you might be able to use a certain percentage of that income to help pay down the student loan. It may be the case that your loan is forgiven after a certain amount of time, as well.

Interest Rate

The idea of paying off a student loan every month can seem daunting for a recent grad on a tight budget. You can minimize the damage a little with loan reward programs. Check out programs from Upromise such as SmarterBucks and LoanLink. As you spend money, you can get rewards that you can put toward your loan.

TIP! Payments for student loans can be hard if you don’t have the money. Rewards programs can help.

Prioritize your repayment schedule by interest rate of each one. The loan with the largest interest rate should be paid off first. Using any extra money you have can help pay off student loans faster. There will be no penalty for paying off your loans early.

Take more credit hours to make the most of your loans. The more credits you get, the faster you will graduate. This will keep your loans to a minimum.

Many people apply for their student loans without reading what they are signing. This is one way that lenders use to get more money than they should.

The best federal loans are the Stafford loan and the Perkins loan. These are highest in affordability and safety. These are great options because the government handles your interest while you are in school. Perkins loans have an interest rate of 5%. On subsidized Stafford loans it is fixed at a rate no greater than 6.8%.

TIP! The best federal loans are the Stafford loan and the Perkins loan. These are the most affordable and the safest.

If you don’t have great credit, you are sure to need a co-signer. It is critical that you make all of your payments. If you’re not able to, your cosigner will be responsible for the payments.

PLUS loans are a type of loan that is available only to parents and graduate students. They bear an interest rate of no more than 8.5%. This is higher than Stafford loans and Perkins loans, but it is better than rates for a private loan. It’s a good option for students pursuing higher education.

TIP! A PLUS loan is a loan that can be secured by grad students as well as their parents. They have an interest rate that is not more than 8.

PLUS loans are student loans that is available only to parents and graduate school is being funded. The highest the interest doesn’t rise above 8.5%. This is a bit higher than Perkins and Stafford loans, though higher that those of Perkins or Stafford loans. This loan option is better for established and mature students.

Your college may have motives of its own for recommending certain lenders. Some schools let private lenders use the name of the school. This is really quite misleading. The school could benefit if you go with particular lenders. Understand every aspect of your loan right off the bat.

Certain Lenders

Rid your mind of any thought that defaulting on a student loan is going to wipe the debt away. The government has several collection tools at its disposal. For instance, it can place a claim on your taxes or benefits in Social Security. It could also get part of your income as well. Generally speaking, you will be far worse off.

TIP! Forget about defaulting on student loans as a way to escape the problem. There are ways that the government can collect the money against your wishes.

Keep in mind that the school you attend could have other motivations when they recommend certain lenders. There are institutions that allow certain lenders to utilize the use of their name by specific lenders. This may not the best deal. The school may receive some sort of payment if you agree to go with a certain lenders. Make sure you grasp the nuances of any loan prior to accepting it.

Be leery of applying for private loans. These can be tricky when it comes to the specifics surrounding the terms. You may not know exactly what you’re signing until later. And at that moment, it may be too late to do anything about it. Get all the necessary information. 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! Take great care when it comes to taking out private loans. Understanding every bit of these loans is difficult.

Defaulting on a loan is not an easy way out. The federal government has a lot of ways it can try to get its disposal. They can take this out of your income taxes or Social Security. It could also get part of your disposable income. This will put you worse off.

It’s tempting to do it, but you should never make student loans the only path of paying for your schooling. Try and save money wherever you can, looking into grants or scholarships to help with the cost. Locate the numerous scholarship matching websites designed to assist you in locating the perfect scholarships and grants. Start searching right away to be prepared.

TIP! It’s tempting to do it, but you should never make student loans the only path of paying for your schooling. Remember to also seek out grants and scholarships, and look into getting a part time job.

Be careful with private student loans. It can be difficult to figure out what the exact terms. You may not know exactly what you are signing your name to until later. Learn about each loan up front.

To extend to value of your loan money, try to get meal plans that do not deduct dollar amounts, but rather include whole meals. This enables you to pay one flat price for every meal you eat, and not be charged for extra things in the cafeteria.

TIP! To stretch your student loan money as far as it will go, purchase a meal plan by the meal instead of the 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.

Do not rely on student loans and let that be the end of it. Save money wherever possible and do not forget to apply for scholarships. There are several great websites that offer information about available grants and scholarships for yourself. Start your search early so that you’ll find the best information and assistance.

Completely understand the payback terms of any loan. Loans vary concerning grace periods. Additionally, there may be allowances for forbearance and other circumstances. Know your options and what expectation the lender has. It is best to know this information prior to requesting a loan.

TIP! Make sure you understand repayment terms. A grace period is offered in some loans, others offer a forbearance, and other circumstances may dictate other options.

Double check to ensure that your loan application for mistakes before you submit it. This is crucial because any mistakes could affect the amount of the student loan you are offered.Ask someone for help if you need it.

If you can’t pay your bill, call the lender. By keeping the financial institution in the loop, you will be more likely to have their cooperation. You may get a deferral or lower payments.

TIP! If you realize that you can’t make a payment, be sure to let your lender know as soon as you can. As long as the lender sees that you are making an effort up front, they will typically be much more interested in helping your credit to remain in good standing.

Student loans can possibly make college more affordable to many, but they must be repaid. Some people take out a loan but don’t consider how they are going to pay it back. Use what you’ve just learned to get a student loan with the best terms.

Keep in contact with lenders while you are in school and afterwards. Notify them of any personal information that will change. This makes sure you stay up to date if anything changes. Let them know when you graduate, if you change schools or even if you drop out.

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