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 28, 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

Student Loan Tips To Help You Out

Be aware of the terms of any loans you take out. Make sure you know how much you owe and how to contact your lender. You also want to know what your repayment status is. These are three very important factors. Use this information to create a budget.

TIP! Be sure you know all details of all loans. You need to be mindful of your balance levels, your current lenders and your repayment status of each loan.

A student loan is an effective way to make sure you get all you need from a college education. Just keep in mind that a loan is not like a scholarship or grant, in that you do have to pay the money back someday. You will need to pay it back. For suggestions on how you can do that effectively, keep reading the following article.

Always keep in touch with all of your lenders. Anytime there are changes to your personal information such as where you live, phone number, or email, it is important they are updated right away. Be certain that you immediately review anything you get from your lender, be it an electronic notice or paper mail. You need to act immediately if a payment is needed or other information is required. If you miss something, it could cost you more.

TIP! Remain in contact with your lender. Make sure you update them with your personal information if it changes.

Know how long of a grace periods your loans offer. This usually refers to the amount of time after you graduate before repayments is required. Knowing this is over will allow you to know when to pay your payments on time so you can avoid penalties.

There is hope for you if you find yourself in a tight financial spot where you cannot keep up with student loan payments. Most lenders have options for letting you put off payments if you are able to document your current hardship. Just be mindful that doing so could make your interest rates rise.

TIP! There is hope for you if you find yourself in a tight financial spot where you cannot keep up with student loan payments. Most lenders have options for letting you put off payments if you are able to document your current hardship.

Always be aware of the key details of any loan you take out. You must watch your balance, who the lender you’re using is, and what your repayment status is. These details affect your loan repayment is like and if you can get forgiveness options. This will allow you are to budget effectively.

Never panic when you hit a bump in the road when repaying loans. You could lose a job or become ill. There are options such as deferments and forbearance that are available with most loans. Keep in mind that interest often continues accruing, so do your best to at least make interest payments to keep from having a larger balance.

TIP! Do not panic when you are faced with paying back student loans. There is always something that pops up in a persons life that causes them to divert money elsewhere.

Don’t be scared if you to miss payments on your student loans. Most lenders can work with you put off payments if you lose your current hardship. Just remember that doing this might cause the lender to raise the interest rates.

Pay off student loans in interest-descending order. It’s a good idea to pay back the loan that has the biggest interest rate before paying off the others. Using your extra cash can help you get these student loans paid off quicker. The is no penalty for early repayment.

Don’t forgo private student loans for financing a college education. There is quite a demand for this as public loans. Explore any options in your community.

You may feel overburdened by your student loan payment on top of the bills you pay simply to survive. There are loan rewards opportunities that can help. Upromise offers many great options. This can help you get money back to apply against your loan.

TIP! For those on a budget already stretched to the max, the idea of a student loan can be scary. There are frequently reward programs that may benefit you.

There are two steps to approach the process of paying off student loans. Always pay the minimum.Second, if you have any extra money, not the one with the highest balance. This will reduce how much money you spend over time.

Far too often people will rush into signing the student loan paperwork without carefully analyzing the terms and conditions of the loan. Ask questions so that you are completely aware. If you do not do this, you may end up paying more than you should for your education.

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

If you wish to get your student loan papers read quickly, be sure that your application is filled out without errors. If you give wrong or incomplete information, it can slow down processing and you may not be able to start when you planned. This can put you behind by a year.

Payment Plan

Perkins and Stafford are some of the best federal student loans. They are the safest and least costly loans. They are a great deal, because the government covers your interest while you are still in school. The Perkins Loan has an interest rate of five percent. On the subsidized Stafford loan, it’s fixed at no higher than 6.8%.

TIP! The Perkins Loan and the Stafford Loan are both well known in college circles. These two are considered the safest and most affordable.

Choose the payment plan that is best suited to your needs. Many of these loans allow for a 10 year payment plan. There are many other choices available if you can’t do this. You might be able to extend the plan with higher interest rates. You may also possibly have the option of paying a set percentage of your future earnings. Some student loan balances are forgiven in 25 years.

One type of student loan that is available to parents and graduate students is the PLUS loans. The interest isn’t more than 8.5%. This is a bit higher than Perkins and Stafford loans, but the rates are better for private loans. Therefore, this type of loan is a great option for more established and mature students.

TIP! PLUS student loans are offered to parents and graduate students. Interest rates are not permitted to rise above 8.

Prioritize your repayment of student loans by interest rate. Pay off the one with the largest interest rate first. Using additional money to pay these things paid off quicker later on. There will be no penalties for paying off a loan faster.

Get rid of thinking that defaulting on a loan means freedom. The federal government will go after that money in many ways. Claiming part of your income tax return or your Social Security payments are only two examples. They can also claim up to fifteen percent of your income that is disposable. You can easily find yourself in a very bad position that will take many years to get out of and cause many headaches.

TIP! Banish the notion that defaulting on your student loans means freedom from debt. The government has multiples ways to collect on debt.

The prospect of paying off a student loan every month can seem daunting for a recent grad on an already tight budget. There are loan rewards programs that can help people out. Look at the SmarterBucks and LoanLink to learn about this kind of program offered by Upromise.

It’s tempting to do it, but you should never make student loans the only path of paying for your schooling. Save money wherever possible and look into scholarships you might qualify for. You should check out websites that offer scholarship matching to help you find ones that you may qualify for. You should begin your search early as funds go quickly.

TIP! You do not want student loans to be your sole source of income during you educational years. Just save your money and try to get as many grants as you can.

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

Be sure to double check all forms that you fill out. Bad calculations will affect the amount you can take out on a loan. If you have any questions about the application, consult with your financial aid adviser at school.

TIP! When filling out the student loan paperwork, it is very important that you check it for accuracy. If you do not fill it out correctly, you may not get as much money from the school.

By taking the material in this piece to heart, you can be a true student loan expert. It’s tricky and tedious finding the best student loans, but the task is doable. Be patient and use the advice this article has given you.

Stay in contact with the bank who loaned you the money. You can learn about changes or issues that way. Also, you can get great advice from your lender.

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