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: June 19, 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

Student Loan Tips To Help You Out

If you lose your job, face financial issues or some other bump in the road comes up, don’t worry about missing a payment. When hardship hits, many lenders will take this into consideration and give you some leeway. Your interest may increase if you do this.

Student loans offer many a chance at higher education that they may not have. The advice below can help you in making great decisions about your educational future.

Never do anything irrational when it becomes difficult to pay back the loan. Job losses and health emergencies are part of life. Realize that there are ways to postpone making payments to the loan, or other ways that can help lower the payments in the short term. 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! You don’t need to panic if a problem arises during repayment of your loans. Emergencies are something that will happen to everyone.

Know what kind of grace period is in effect before you must begin to make payments on the loan. This is the period 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 don’t have a bunch of penalties to take care of.

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.

TIP! If you are in the position to pay down your student loans, make the high interest loans your first priority. If you get your payments made on the loans that have the lowest or the highest, it can cost you extra in the end.

Always know all the requirements are for any student loan you take out. You need to watch what your balance is, check your repayment statuses, and know your lenders. These details are going to have a lot to do with what your loan repayment is like and forgiveness options. This information is necessary to plan your budget wisely.

Know how much time you have in your grace period from the time you leave school until you must begin paying back your loans. Stafford loans offer loam recipients six months. Perkins loans offer a nine-month grace period. Make sure to contact your loan provider to determine the grace period. Make sure you know how long those grace periods are, and never pay late.

TIP! Know how long you have between graduation and the commencement of loan payments. Six months is usually the length for Stafford loans.

Stay in communication with your lender. Make sure you let them know your current address and phone number.Take any and all actions are necessary as soon as possible. Missing an important piece of mail can cost you valuable money.

Pick out a payment option that you know can meet the needs you have. In the majority of cases, student loans offer a 10 year repayment term. Check out all of the other options that are available to you. You might be able to extend the payments, but the interest could increase. You also possibly have the option of paying a set percentage of your post-graduation income. Some balances pertaining to student loans get forgiven about 25 years later.

TIP! Select a payment plan that works for your needs. The ten year repayment plan for student loans is most common.

Don’t forgo private loans for financing a college education. There is not as much competition for public student loans even if they are widely available. Explore any options in your community.

Pick a payment plan that works best for you. The majority of loan products specify a repayment period of ten years. You may discover another option that is more suitable for your situation. Perhaps you can stretch it out over 15 years instead. Keep in mind, though, that you will pay more interest as a result. Therefore, you should pay it once you make money. The balances on student loans usually are forgiven once 25 years have elapsed.

TIP! Choose the right payment option for you. Most loans have a 10-year repayment plan.

Don’t be driven to fear when you have a loan payment. Job loss and health emergencies are bound to pop up at one point or another. There are forbearance and deferments available 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.

For those on a budget already stretched to the max, the idea of a student loan can be scary. Loan rewards programs can help a little with this, however. Look at the SmarterBucks and LoanLink programs that can help you. These are very similar to cash back programs, where any dollars you spend can accumulate rewards which apply to your student loan.

Largest Loans

Take as many hours each semester as you think you can handle so you don’t waste any money. While 9 to 12 hours each semester is full time, you may be able to get 15 to 18 which can help you to graduate faster. In the grand course of time, you will end up taking out fewer loans.

TIP! To get the most out of your student loan dollars, take as many credit hours as possible. Try to graduate as soon as you possibly can by taking 15 or 18 hours each semester.

Reduce your total principle by getting things paid off your largest loans as fast as you can. Focus on the largest loans off first. When you pay off one loan, apply the payment to the next biggest one. When you make an effort to pay off your largest loans with the largest payments possible and pay the minimum on smaller loans, you can eventually eliminate all your student debt.

Your student loan application must be filled out correctly in order to be processed as soon as possible. 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.

TIP! Fill in all of the spaces on your application, otherwise, you may run into delays. Incorrect or incomplete loan information can result in having to delay your college education.

The prospect of monthly student loan every month can be somewhat daunting for people that are on an already tight budget. You can minimize the damage a little with help from loan rewards programs. Look at programs like SmarterBucks and LoanLink to learn about this kind of program offered by Upromise.

The Stafford and Perkins loans are good federal loans. They are the safest and most economical. They are favorable due to the fact that your interest is paid by the government while you are actually in school. Perkins loans have an interest rate of 5%. Subsidized Stafford loans have a fixed rate of no more than 6.8 percent.

TIP! The Perkins Loan and the Stafford Loan are both well known in college circles. These are both safe and affordable.

Stafford and Perkins are two of the best loan options.These two are considered the safest and the safest. This is a good deal that you may want to consider. The Perkins loan carries an interest rate of five percent. Subsidized Stafford loans have a fixed rate cap of no more than 6.8 percent.

When applying for private loans without good credit, you will need a cosigner. Making payment on time is very important. If you don’t, then your co-signer will be held responsible for those debts.

TIP! If your credit isn’t the best and you are applying for a student loan, you will most likely need a co-signer. You must pay them back! When someone co-signs, they are responsible too.

Do not think that you from your student loans to get out of paying them. The federal government has multiple options available to recover its money back. They can take your taxes at the end of the year. The government may also take up to fifteen percent of your income. You will probably be worse off than before in some circumstances.

Taking out a PLUS loan is something that a graduate student can apply for. Interest rates are not permitted to rise above 8.5%. This is higher than Stafford loans and Perkins loans, but it is better than rates for a private loan. This means that this is a suitable choice for students who are a bit older and better established.

TIP! PLUS loans are a type of loan that is available only to parents and graduate students. The interest rate is no greater than 8.

There is no denying that most students could not start college, much less graduate, without student loans. Sadly, few can afford an education without it. Use this article as a resource to keep you on course.

Keep in mind that a college may have its reasons for pointing your toward certain lenders for loans. Some schools allow private lenders to use the school name. This is really quite misleading. Sometimes a school will have worked out a financial deal with a lender if you choose to use them. Understand the terms of the loan before you sign the papers.

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