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: May 12, 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
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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

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Student Loans: Advice For College Students

Remain in contact with your lender. When you make changes to your address or phone number, make sure you let them know. You must also make sure you open everything right away and read all lender correspondence via online or mail. Take action right away. If you miss something, it could cost you more.

TIP! Keep in touch with the lender you’re using. 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.

Student loans are a way for people to get higher education that could not have. The ideas presented within the following paragraphs can help you make wise decisions about your finances.

There is hope for you if you find yourself in a tight financial spot where you cannot keep up with student loan payments. Lenders will typically provide payment postponements. You should know that it can boost your interest rates, though.

Student Loans

If an issue arises, don’t worry. Unemployment or a health problem can happen to you from time to time. There are options such as deferments and forbearance that are available with most loans. Just know that the interest will build up in some options, so try to at least make an interest only payment to get things under control.

TIP! If an issue arises, don’t worry. Unforeseen circumstances such as unemployment or health issues could happen.

Don’t forgo private student loans for college. There is quite a demand for this as public student loans even if they are widely available. Explore the options within your community.

Pick the payment option that works best for you. A lot of student loans let you pay them off over a ten year period. If that isn’t feasible, there could be alternatives. For instance, you can stretch the payment period over a longer period of time, but you will be charged higher interest. Additionally, some loans offer a slightly different payment plan that allows you to pay a certain percent of your income towards your debt. There are even student loans that can be forgiven after a period of twenty five years passes.

TIP! Select the payment arrangement that is best for you. Many of these loans offer a ten year repayment period.

There are two main steps to paying off student loans you have taken out. Always pay on each of them at least the minimum balance due. Second, you will want to pay a little extra on the loan that has the higher interest rate, not the loan that has the largest balance. This will cut down on your liability over time.

Pick out a payment option that you know will suit the needs you have. 10 years is the default repayment time period. If this won’t work for you, there may be other options available. You may need to extend the time you have to repay the loan. This often comes with an increase in interest. You can also do income-based payments after you start earning money. Sometimes student loans are forgiven after 25 years.

TIP! Make certain that the payment plan will work well for you. A lot of student loans give you ten years to pay them back.

Focus initially on paying off student loans with high interest rates. If your payment is based on what loans are the highest or lowest, there is a chance that you will end up owing more money in the end.

Prioritize your loan repayment schedule by interest rate. Pay off the loan with the largest interest rate first. Make extra payments so you can pay them off even quicker. The is no penalty for early repayment.

Stafford loans offer loam recipients six month grace period.Other loans may vary. Know when you are to begin paying on time.

Pay the large loans off as soon as you are able to. You will reduce the amount of interest that you owe. Therefore, target your large loans. Once a big loan is paid off, simply transfer those payments to the next largest ones. The quickest way to pay down these loans is to tackle the largest one first, but keep making payments to the smaller ones in order to quickly pay down the entire debt.

TIP! Reduce the total principal by getting things paid off as fast as you can. The less principal you owe overall, the less interest you will end up paying.

Pay off your loans in terms of interest rates.The highest APR should be paid first. Using additional money to pay these student loans more rapidly is a smart choice. There is no penalties for repaying sooner than warranted by the lender.

It may be frightening to consider adding student loans to your bills if your money is already tight. There are frequently reward programs that may benefit you. For example, check out the LoanLink and SmarterBucks programs from Upromise. As you spend money, you can get rewards that you can put toward your loan.

TIP! Having to make a monthly student loan payment is hard for a budget that is already stretched thin. You can minimize the damage a little with loan reward programs.

The prospect of monthly student loan payments can be somewhat daunting for a recent grad on an already tight budget.A good loan rewards program may help with this circumstance. Look at websites such as SmarterBucks and LoanLink via Upromise.

To make your student loan money stretch even farther, consider taking more credit hours. While full-time status often is defined as 9 or 12 hours a semester, if you can get to 15 or even 18, you can graduate much sooner. This will help lower your loan totals.

TIP! To get a lot out of getting a student loan, get a bunch of credit hours. As much as 12 hours during any given semester is considered full time, but if you can push beyond that and take more, you’ll have a chance to graduate even more quickly.

Be sure to fill your student loan applications neatly and properly to avoid any delays in processing. Incorrect and incomplete loan information can result in having to delay your education.

Be sure to read and understand the terms of any student loans you are considering. It’s essential that you inquire about anything that you don’t understand. There are unscrupulous lenders who will take advantage of the unwary.

TIP! Lots of folks enter into student loans without having the foggiest idea of what they are signing on for. You must ask the right questions to clarify what you don’t understand.

Stafford and Perkins are the best federal student loan options. These are both safe and the safest. This is a great deal because while you may want to consider. The Perkins loan interest rate of five percent. The Stafford loans are subsidized and offer a rate of 6.8 percent.

The best loans that are federal would be the Perkins or the Stafford loans. They tend to be affordable and entail the least risk. They are a great deal because you will get the government to pay your interest during your education. Perkins loan interest rates are at 5 percent. 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. They are the safest and are also affordable.

If your credit is sub-par, you will most likely need a co-signer. It is very important that you keep up with all your payments in a timely manner. If you don’t, you will saddle your co-signer with the debt.

If you don’t have very good credit and need a student loan, chances are that you’ll need a co-signer. You must be current on your payments. If you can’t pay, your co-signer will also be liable.

TIP! If your credit isn’t the best and you are applying for a student loan, you will most likely need a co-signer. It is vital you keep current with all your payments.

Be careful with private student loans. It can prove difficult to find the exact terms are. You may only find it difficult to navigate through it all until after you are already stuck. Learn about the loan first.

There are specific types of loans available for grad students and they are called PLUS loans. The interest rate on these loans will never exceed 8.5% Although it is higher than Perkins and Stafford Loans, you still get a much better rate than one that is private. This makes it a good option for established and mature students.

TIP! Parents and graduate students can make use of PLUS loans. These loans do not have a large interest rate compared to private loans.

Be sure to fill out. This is something to be careful with because you may get less of student loans that are offered to you. Ask someone for help if you need it.

Understand that school affiliations with lenders can be quite misleading when you are deciding which lender to choose. For example, there are schools that allow the use of their name by select private lenders. This is really quite misleading. The school might get an incentive if you use a certain lender. Understand the terms of the loan before you sign the papers.

TIP! Remember your school could have some motivation for recommending certain lenders to you. Some schools let private lenders use their name.

Most people wouldn’t be able to go to school if it wasn’t for loans. However, certain knowledge is necessary to be able to pursue these loans. Use the material presented here so you’re able to stay on track.

Don’t think that you won’t have to pay your debt back. The government has multiples ways to collect on debt. They can take this out of your taxes at the end of the year. They can also take money out of your paycheck. Usually, you will wind up being worse off than you were previously.

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