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 14, 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

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Student Loans: Advice For College Students

Make it a point to be aware of all the important facets of your student loans. You must watch your loan balances, check your repayment statuses, and know your lenders. These are details that play an important role in your ultimate success. This information is essential to creating a workable budget.

TIP! Know your loan details inside and out. You need to be mindful of your balance levels, your current lenders and your repayment status of each loan.

Many people think they can’t get a college education. While a college education costs thousands of dollars, you can take out a student loan to attend. Read this article to learn all about applying for one.

Always stay in contact with your lender. Keep them updated on your personal information. Do not put off reading mail that arrives from the lender, either. You need to act immediately if a payment is needed or other information is required. Failing to miss any deadlines or regulations can mean risking losing quite a bit of money or time.

TIP! Stay in communication with all lenders. Always let them know anytime your personal information changes, because this happens quite a bit when you’re in college.

Know how long of grace periods your loans offer.This usually refers to the amount of time after your graduation before your payment is due. Knowing when this allows you to make sure your payments are made on time so you don’t have a bunch of penalties to take care of.

Don’t fret when extenuating circumstances prevent you from making a payment. Typically, most lenders will allow you to postpone your payments if you can prove you are having hardships. Just keep in mind that doing this might cause the lender to raise the interest rate on your loan.

TIP! Don’t worry if you can’t pay a student loan off because you don’t have a job or something bad has happened to you. Most lenders have options for letting you put off payments if you are able to document your current hardship.

Always keep in contact with all of your lender.Make sure you let them know your current address and phone number.Take whatever actions are necessary as soon as possible. Missing anything could make you valuable money.

Don’t panic if you cannot make your payments on your student loans. Anything can come up and interfere with your ability to pay, such as a medical emergency or getting laid off from work. Remember that forbearance and deferment options are widely available on a lot of loans. Interest continues to compound, however, so a good strategy is to make interest only payments that will prevent your balance from getting bigger.

TIP! Don’t panic when you struggle to pay your loans. You will most likely run into an unexpected problem such as unemployment or hospital bills.

Focus on paying off student loans with high interest loans. If you solely base your repayment by which ones have a lower or higher balance, there is a chance that you will end up owing more money in the end.

Use a process that’s two steps to get your student loans paid off. First, make sure you are at least paying the minimum amount required on each loan. If you have money left over, apply that to the loan that has the highest interest associated with it. This will reduce how much money spent over time.

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

Select a payment option that works best for your situation. The average time span for repayment is approximately one decade. If this won’t do, then there are still other options. Examples include lengthening the time it takes to repay the loan, but having a higher interest rate. You could also make payments based on your income. The balance of some student loans is forgiven after 25 years.

TIP! Pick a payment plan that suits your particular needs. A lot of student loans give you ten years to pay them back.

Select the payment arrangement that is best for your needs. Many loans allow for a decade-long payment plan. There are many other choices available if you can’t do this. You might be able to extend the plan with a greater interest rates. You might also be able to pay a percentage of income once you make money. Some balances on student loans are forgiven after a period of 25 years later.

When you pay off loans, pay them off from highest to lowest interest rates. The highest rate loan should be paid first. You will get all of your loans paid off faster when putting extra money into them. Prepayment of this type will never be penalized.

Student Loans

Take as many hours each semester as you think you can handle so you don’t waste any money. If you sign up for more course credits each semester you can graduate a lot quicker, which in the end will save you a lot of money. This will help reduce how much you have to borrow.

TIP! Take the maximum number of credit hours you can in your schedule to maximize the use of your loans. Full-time is considered 9 to 12 hours per semester, take a few more to finish school sooner.

Choose the payment option that is best serve you. Most student loans have a 10-year repayment over ten years. There are other ways to go if this doesn’t work. For instance, you can take a longer period to pay, your interest will be higher. You may negotiate to pay just a set percentage of your income once you begin to earn. The balance of some student loans usually are forgiven after 25 years.

Never sign anything without knowing what exactly it says and means. You must, however, ask questions so that you know what is going on. Lenders sometimes prey on borrowers who don’t know what they are doing.

TIP! Many people apply for student loans and sign paperwork without really understanding what they are getting into. It’s a good idea to speak with the lender to ask about thing you don’t know too much about.

Pay off student loans in order of interest rates. Pay off the highest interest rate first. Using any extra money you have can get these things paid off quicker later on. There will be no penalty for repaying sooner than expected.

Two superior Federal loans available are the Perkins loan and the Stafford loan. They tend to be affordable and entail the least risk. With these, the interest is covered by the federal government until you graduate. The Perkins Loan has an interest rate of five percent. The interest rate on Stafford loans that are subsidized are generally no higher than 6.8 percent.

TIP! Perkins and Stafford are some of the best federal student loans. They are the safest and least costly loans.

Get the maximum bang for the buck on your student loans by taking as many credit hours each semester as you can. Full-time status is usually 9-12 hours per semester, take a few more to finish school sooner. This helps you keep to aminimum the amount of loan amounts.

Defaulting on a loan is not freedom from repaying it. There are many tools in the federal government’s arsenal for getting the funds back from you. For example, they can claim a little of a tax return or even a Social Security payment. It could also garnish your wages. Most of the time, not paying your student loans will cost you more than just making the payments.

TIP! Get rid of thinking that defaulting on a loan means freedom. The Federal government will be able to recover the money through multiple options.

Fill out each application completely and accurately for student loans with great accuracy to facilitate quick processing. Incorrect and incomplete loan information gums up the works and causes delays to your college education.

Don’t rush into taking a private student loan. Many times, it is difficult to ascertain exactly what the terms are. Oftentimes, you aren’t aware of the terms until after you have signed the papers. If you sign a contract without understanding the terms, you could be setting yourself up for heartache. Fully understand the terms before signing on the dotted line. Compare an offer with those given by other lenders to find out who offers the best rates.

TIP! Use caution if you are considering getting a private student loan. The terms of such loans can be difficult to ascertain.

As mentioned before, the high costs of advanced education make learning about student loans very important. When you use these tips, you’ll have no problem affording your education. Follow the tips presented here when applying for student loans.

It’s tempting to do it, but you should never make student loans the only path of paying for your schooling. You should save money and look for grants and scholarships too. There are many websites available that can help match you with grants or scholarships that you may qualify for. To prepare yourself, start this search as quickly as you can.

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