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 27, 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 Loans: Advice For College Students

Keep in mind that there’s a grace period to follow before it’s time to pay a loan back. This is generally the period after graduation when the payments are due. Being aware of this will help you get a jump start on payments, which will help you avoid penalties.

TIP! Know that there’s likely a grace period built into having to pay back any loan. This is generally a pre-determined amount of time once you graduate that the payments will have to begin.

Student loans enable people able to get a great education while going to a school they couldn’t afford otherwise. This article will tell you need. Read on and learn how you can afford the education you need.

Make sure you understand the fine print related to your student loans. You need to stay on top of your balances, your lenders and the repayment status in which you find yourself at any given time. These three things will affect future repayment plans and forgiveness options. To devise a good budget, you must factor all this in.

TIP! Make sure you understand the fine print related to your student loans. Make sure you know how much you owe and how to contact your lender.

Know that there’s likely a grace period is in effect before you must begin to make payments on the loan. This is generally the amount of time you have before the lender will ask that your payments are due. Knowing when this allows you to know when to pay your payments on time so you don’t have a bunch of penalties to take care of.

Pay your loan off in two steps. First you need to be sure that you know what the minimum payments for the loans will be each month. If you have money left over, apply that to the loan that has the highest interest associated with it. This will keep to a minimum the total sum of money you utilize over the long run.

TIP! A two-step process can be used to pay your student loans. First, make sure you are at least paying the minimum amount required on each loan.

Always know all the information pertinent details of your loans. You need to be mindful of your balance levels, your lenders and the repayment status in which you find yourself at any given time. These three details all factor heavily into your ultimate success. This will allow you to budget wisely.

The best loans that are federal would be the Perkins or the Stafford loans. They are the safest and are also affordable. They are a great deal, because the government covers your interest while you are still in school. Interest rate on the Perkins loan is five percent. The Stafford loans which are subsidized come at a fixed rate which is not more than 6.8%.

TIP! Stafford and Perkins loans are the most advantageous federal loans to get. They are the safest and most economical.

Keep in contact with your lender. Make sure you let them know your contact information changes. You must act immediately if information is required. Missing anything could make you owe a great deal of money.

If you don’t have very good credit and need a student loan, chances are that you’ll need a co-signer. It is vital you keep current with all your payments. If you don’t, the person who co-signed is equally responsible for your debt.

Don’t overlook private financing to help pay for your college years. There is not as much competition for public loans.Explore the options within your community.

One form of loan that may be helpful to grad students is the PLUS loan. The interest rates on these are kept reasonable. This rate exceeds that of a Perkins loan or a Stafford loan, but is lower than private lenders offer. This makes it a good option for established and mature students.

TIP! PLUS loans are available if you are a graduate student or the parent of one. The interest rate is no greater than 8.

Don’t panic when you get caught in a snag in your loans. Unemployment or a health problem can happen at any time. There are options like forbearance and deferments for such hardships. Just remember that interest keeps accruing in many forms, so making interest-only payments will at least keep your balance from rising higher.

Your school might have motivations of its own when it comes to recommending certain lenders. Schools sometimes allow lenders to refer to the name of the school. That leads to confusion. The school might actually get a commission for your loan. Understand the terms of the loan before you sign the papers.

TIP! Why would your school recommend a certain lender to you? Some schools allow private lenders to use the school name. This is really quite misleading.

Stafford loans provide a six months of 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.

Be leery of applying for private loans. It can prove difficult to find out what the exact terms are. Frequently, you are not aware of them until after executing the loan. If you sign a contract without understanding the terms, you could be setting yourself up for heartache. Get all the necessary information. If a lender gives you a good offer, see if another lender will match it or do even do better.

TIP! Be careful with private loans. Understanding every bit of these loans is difficult.

Select a payment choice that is best for you. Many of these loans will offer a 10 year repayment plans. There are other options if this is not right for you.For example, you can take a longer period to pay, but this will increase your interest. You may also make payments based on your income to pay once you are bringing in money. Certain student loans are forgiven after a quarter century has gone by.

Avoid relying totally on student loans when it comes to paying for your education. Remember to save money and also look into scholarships and grants that may help you. Lots of great websites exist that can give you the help you need to connect with the providers of grants or scholarships that match your credentials. To prepare yourself, start this search as quickly as you can.

TIP! Never depend solely on student loans for paying for college. Remember to save money and also look into scholarships and grants that may help you.

Many people apply for their student loans and sign paperwork without really understanding what they are getting into. This is an easy way for a lender to get more than they should.

When completing the application for financial aid, be sure to avoid making any errors. If you do not fill it out correctly, you may not get as much money from the school. If you have any questions with regard to completing the loan forms, check with someone in the financial aid department at your school.

TIP! When you apply for financial aid, make sure your application is error free. This is something to be careful with because you may get less of a student loan if something is wrong.

Stafford and Perkins loans are the best loan options. These are highest in affordability and affordable. This is a great deal because while you may want to consider. The Perkins Loan has a small five percent rate. The Stafford loans which are subsidized and offer a fixed rate that will not exceed 6.8%.

You can use your student loan money more efficiently by purchasing meal plans that group meals together instead of charging dollar amounts. With a meal plan based on the meal this means your meal will be a flat fee instead of a per item charge.

Private Loan

Stay in contact with the bank who loaned you the money. It is essential to know the complete information about your loan and any stipulations involved in your repayment schedule. Your lender can also give you tips to repay your loan more effectively.

TIP! Keep in touch with your lender or whoever is giving you the money. This is important as you will want to know all of the information on your loan and what stipulations are involved in your payback plan.

PLUS loans are offered to parents and also graduate students. They bear an interest rate of 8.5 percent. This is a better rate than that of a private loan, but it will be a better rate than a private loan. This is the best option is better for your situation.

Find a job you can do on campus to help augment the income you get from student loans. You will be able to offset expenses and get more money to keep.

TIP! Rather than depending only on your student loans during school, you should bring in extra money with a part time job. This can offset your expenses somewhat and also give you some spending money.

Your school might have motives of its own when it comes to recommending certain lenders. Some schools allow private lenders use the school’s name. This is frequently not be in your best interest. The school can get a commission for your loan. Make sure you grasp the nuances of any loan prior to accepting it.

Make sure you understand repayment terms. Certain loans are known for having a grace period, and some have forbearance and other repayment options. You should know your options. The time to find out these things is before you sign any documents.

TIP! Always be sure you understand the terms of the payback. Some loans offer grace periods, forbearance options and other financial choices that depend on your circumstances.

Don’t buy into the notion that you won’t have to pay your loans to free up money.There are many tools in the government can get their money. They can take your taxes or Social Security. It could also claim 15 percent of your income as well. This will leave you in a very bad position.

Maintain contact with your lenders during and after college. Make sure to let them know anytime your address or other information changes. This ensures that you are privy to any changes in terms or lender information. You have to let them know if you withdraw from college, transfer to a different college or graduate.

TIP! Keep the lines of communication open with your lenders. Let them know if your name, phone number, email or address have changed.

After reading the above article, attending school is much simpler when you have good solid tips that help you understand how to get a student loan. It should now be easier for you to master the selection of student loans. Apply for some loans today using this advice!

To get the most for your money, consider taking online courses. This lets you add additional class hours and makes it easier for you to do other things like working at a job to help pay for schooling. This will maximize the time that you spend at college.

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