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: August 17, 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 Loans: Advice For College Students

Verify the length of the grace specified in the loan. This usually refers to the amount of time you are allowed after you graduate to pay back the loan. When you know what it is, you will have time to make a payment plan that will help you pay on time without penalties.

Student loans are the reality for getting undergraduate and advanced degrees. Keep reading to learn more about this sort of thing.

Know the specifics about your loan. Keep track of this so you know what you have left to pay. These details all affect loan forgiveness and repayment options. This information is essential to creating a workable budget.

TIP! Always be aware of what all the requirements are for any student loan you take out. You want to keep track of your balance, who your lender is and any current repayment status of your loans.

Always know all of the information pertinent to your loans. You need to be able to track your balance, check your repayment statuses, and what your repayment status is. These details are imperative to understand while paying back your loan repayment is like and if you can get forgiveness options. This will allow you to budget wisely.

Stay in communication with all lenders. Make sure you update them with your personal information if it changes. Anytime you receive a phone call, email or paper letter from your lender, pay attention to it as soon as it is received. Take action right away. Neglecting something may cost you a fortune.

TIP! Always keep in touch with all of your lenders. When you make changes to your address or phone number, make sure you let them know.

Make sure you are in regular contact with your lenders. Make sure they know if your current address and phone number. You must act right away if a payment is needed or other information is required. Missing anything in your paperwork can cost you owe a lot more money.

If you have the ability to pay more than what you owe on your loans, try to get those with the highest interest taken care of first. Do not simply pay off the loan that has the smallest amount remaining.

TIP! If you’re considering repaying any student loan ahead of time, focus on those with the largest interest. If you base your payment on which loans are the lowest or highest, there is a chance that you will end up owing more money in the end.

Don’t worry if something happens that causes you to miss payments on your student loan due to a job loss or another unfortunate circumstance. Most lenders can work with you if you are able to document your job. Just be mindful that doing so may cause interest rates rise.

You are offered a grace period after you graduate before you must start paying on your student loans. Stafford loans offer loam recipients six months. Perkins loans have a nine-month grace period. The time periods for other student loans vary as well. Be aware of exactly when you must start making payments, and be sure to make those payments on time!

Higher Interest Rate

Pick out a payment option that you know will suit the needs you have. Most loans have a 10-year repayment plan. There are other ways to go if this is not right for you. Examples include lengthening the time it takes to repay the loan, but having a higher interest rate. You may also have the option of paying a percentage of income you earn once you start earning it. Some student loan balances are forgiven after twenty five years have passed.

TIP! Pick a payment plan that works best for you. Many loans offer payment over a decade.

Use a process to pay off your student loans. Begin by figuring out how much money you can pay the minimum payments on these student loans. Second, you will want to pay a little extra on the loan that has the higher interest rate, use it to make extra payments on the loan that bears the higher interest rate rather than the one that bears the highest balance. This will make things cheaper for you spend less money over a period of time.

Your principal will shrink faster if you are paying the highest interest rate loans first. When you reduce your overall principal, you wind up paying less interest over the course of the loan. Look at the large ones and see how quickly you can pay them off. Once it is gone, you can focus on smaller loans. Making these payments will help you to reduce your debt.

Focus on the high interest loans.If you base your payment on which loans are the lowest or highest, you could end up paying more than you need to.

To help maximize the money you get from student loans, sign up for additional credit hours. Sure a full time status might mean 12 credits, but if you can take 15 or 18 you’ll graduate all the quicker. When you handle your credit hours this way, you’ll be able to lessen the amount of student loans needed.

Stafford loans provide a six months. Other types of student loans’ grace periods vary. Know when you are to begin paying on time.

To get student loans to go through quicker, fill out the documents properly. 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.

TIP! Be sure to fill your student loan application correctly. 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.

Prioritize your repayment schedule by interest rate of each one. The highest rate loan should be dealt with first. Using any extra cash available can get these things paid off student loans faster. There is no penalties for paying off your loans early.

Bad credit will mean you need a cosigner on a private loan. It’s imperative that you make your payments on time. If you don’t keep up with payments on time, your co-signer will be responsible, and that can be a big problem for you and them.

TIP! If you need for a student loan and do not have good credit, you may need a cosigner. Make every payment on time.

The idea of monthly student loan every month can seem daunting for someone on an already tight budget. There are loan rewards opportunities that may benefit you. Look at websites such as SmarterBucks and LoanLink via Upromise.

PLUS loans are a type of loan that is available only to parents and graduate students. The interest isn’t more than 8.5%. It’s higher than public loans, but lower than most private options. This makes it a great choice for more established students.

Private Loan

Do not think that defaulting will relieve you from your student loan debts. The government has multiples ways to collect on debt. A couple of tactics they use to collect the money you owe is taking some tax return money, Social Security and even wage garnishment at your job. The government may also take 15 percent of your income. This will put you in a very bad position.

TIP! Get the idea out of your head that you will be forgiven for a student loan that you have defaulted on. There are various ways that your finances can suffer because of unpaid student loans.

There is a loan that is specifically for grad students or their parents known as PLUS loans. They bear an interest rate of no more than 8.5 percent.This is a better rate than that of a private loan, but it is better than rates for a private loan. This makes it a good option is better for more established and mature students.

Be careful when it comes to private student loans. Finding out the specific terms can be challenging. Many times, you will not know until you’ve already signed for them. After signing it, a loan is very hard to undo. Learn about each loan first. Compare an offer with those given by other lenders to find out who offers the best rates.

TIP! Be careful when it comes to private student loans. It can be hard to find out the exact terms.

Your college may have motives of its own for recommending you pursue your loan through particular lenders. Some colleges permit private lenders use the name of the school. This may not the best deal. The school may get a payment or reward if you go to a lender they are sponsored by. Make sure you grasp the nuances of any loan prior to accepting it.

Do not simply apply for loans and let that be the end of it. Keep in mind that you need to put money aside and investigate grants and scholarships that may offer you some financial assistance. You may find some that will match your other funding sources. Start looking early so that you’ll find the best information and assistance.

TIP! Never rely solely on student loans in order to pay for college. Look into getting a scholarship or grant and explore other ways you can save money.

Be leery of private student loans. It may be challenging to find out the exact terms. You may find it difficult to navigate through it all until after signing the document. Get as much information as you need first.

Do not make errors on your aid application. This is key, as it can determine how much loan money you can receive. Talk to a financial aid representative for more advice on the process.

TIP! Do not make errors on your aid application. Accurately filling out this form will help ensure you get everything you are qualified to get.

Don’t rely solely on student loans for education financing. Save your money wherever possible and do not forget to apply for scholarships. There are a number of good scholarship matching websites that can help you locate just the right grants and scholarships. Make sure you start looking as early as possible so you can be prepared.

To be sure that you’re able to spend your student loan money right, get your meal plan that pays by meals and not dollar amounts. This will prevent getting charged for extras and allows you to just pay a flat price for every meal you eat.

TIP! Get a meal plan on campus; this will save you money in the long run. This will eliminate price gouging for extra dining money since it’s just a flat fee for every meal.

Be sure to fill out your applications This is crucial because you may get less of a student loan if something is wrong. Ask someone for help if you need it.

When you have big student loan looming with a big balance, try not to go into panic mode. Although it is likely to seem like a substantial sum, you will pay it back a little at a time over a long time period. As long as you stay on track with working so that you have money to pay back the loan, you will be in control when it’s time to pay.

TIP! When you have big student loan looming with a big balance, try not to go into panic mode. This might feel like it’s a huge amount when checking it out, but you have to pay it over time so it’s really not that bad.

Countless people need student loans in order to reach their educational goals. Responsible borrowing is critical to get the most from your scholastic experience. Use the advice above to ease the rigors of the loan process.

It is important that you keep in touch with your lending institution when in school and also when you graduate. Always tell them when any of your contact information changes. This means that you’re knowledgeable about changes to lender or term information. Finally, it is important to notify the lender if you withdraw, transfer or graduate from college.

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