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: March 18, 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 Students And Parents

Do know that you are probably going to have a post-graduation grace period from your student loans before you are required to start making payments back. The grace period is the time you have between graduation and the start of repayment. Having this knowledge of when your payments are scheduled to begin will avoid incurring any penalties.

TIP! Watch for the grace period which is available to you before you are required to repay the loan. Usually, there is a time period after you leave school before you must begin paying the loans.

College is expensive, and student loans are a necessity for most students these days. You need to be well informed in order to get the right loans at the right terms. Read on to learn all there is to know about student loan.

Keep in contact with the lender. Make sure you update them with your personal information if it changes. Also, make sure that you immediately open and read every piece of correspondence from your lender, both paper and electronic. You must act right away if information is required. Missing an important piece of mail can end up costing a great deal of money.

TIP! Keep in close touch with your lender. Make sure they know your current address and phone number.

Make sure you understand the important facets of your student loans. You need to be able to track your balance, who the lender you’re using is, and what the repayment status currently is with loans. These details affect loan forgiveness and repayment options. This is must-have information if you to budget effectively.

Never panic when you hit a bump in the road when repaying loans. Job losses and health emergencies are part of life. Know that there are options available such as a forbearance or deferment. Make sure you realize that interest will keep building, so think about making at least interest payments so that you can keep balances from growing out of control.

TIP! Don’t panic if you have a slight hiccup when paying back your loans. Unemployment or a health problem can happen to you from time to time.

Don’t be scared if something happens that causes you can’t make a payment on your student loans. Most lenders have options for letting you put off payments if you lose your job. Just be aware that doing this may cause interest rates to rise.

Know how long you have between graduation and the commencement of loan payments. If you have Stafford loans, you will usually have about 6 months. If you have Perkins loans, you will have 9 months. Grace periods for other loans vary. Know when you will have to pay them back and pay them on time.

TIP! Check the grace period of your student loan. For Stafford loans, the period is six months.

Don’t panic when you get caught in a snag in your loan repayments. Job loss and health emergencies are part of life. There are options like forbearance and deferments available for such hardships.Just remember that interest is always growing, so at least consider making interest only payments to keep balances from rising.

Choose the payment option that is best suited to your needs. Many student loans offer 10 year payment plans. You can consult other resources if this does not work for you. 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 written off after an extended period of time.

TIP! Choose the right payment option for you. Many student loans will offer a 10 year repayment plan.

Use a process that’s two steps to get your student loans. Always pay the minimum.Second, pay anything extra to the loan with the highest interest rate, and not just the largest balance. This will keep to a minimum the total sum of money you over time.

Reduce the principal when you pay off the biggest loans first. The smaller your principal, the smaller the amount of interest that you have to pay. Set your target on paying down the highest balance loans first. After you’ve paid off a large loan, you can transfer your payments to the second largest one. When you apply the biggest payment to your biggest loan and make minimum payments on the other small loans, you have have a system in paying of your student debt.

Student Loans

The prospect of having to pay a student loan every month can be hard for people that are on hard budget already. You can make things a bit easier with help from loan rewards programs. Look at the SmarterBucks and LoanLink programs that can help you. These are similar to cash back programs in which you earn rewards for each dollar you spend, and you can apply those rewards toward your loan.

TIP! The concept of making payments on student loans each month can be frightening when money is tight. However, loans that offer a rewards program can soften the blow.

Pick a payment option that suits your particular needs. Most student loans allow for repayment plan. There are other ways to go if this doesn’t work. For instance, you can take a longer period to pay, but this will increase your interest. You might also be able to pay just a set percentage of the money you begin making money. The balances on student loans usually are forgiven after 25 years have elapsed.

Many people apply for student loans and sign paperwork without really understanding what they are getting into. Ask questions so that you are completely aware. Otherwise, you could have much more debt than you were counting on.

TIP! Far too often people will rush into signing the student loan paperwork without carefully analyzing the terms and conditions of the loan. Don’t do this! Always understand what you are signing.

The prospect of having to pay a student loan payments can be somewhat daunting for someone on hard budget already. There are rewards opportunities that can help.Look at websites such as SmarterBucks and LoanLink via Upromise.

Be aware that you may need a co-signer for a private loan if your credit isn’t good. It is critical that you make all your payments in a timely manner. If you don’t do this, your co-signer is liable for those debts.

TIP! If you apply for a private student loan and your credit is not that great, you are going to need someone to co-sign for you. You must be current on your payments.

Get many credit hours each semester as you can. Full-time is considered 9 to 12 hours per semester, so getting between 15 and 18 can help you graduate sooner.This will help lower your loan amount.

PLUS loans are student loans that are available to graduate students and to parents. The highest the interest rate will go is 8.5%. Although it is higher than Perkins and Stafford Loans, you still get a much better rate than one that is private. This may be a suitable option for your situation.

Be sure to fill out your loan application correctly. Incorrect and incomplete loan information can result in having to delay your college education.

Don’t buy into the notion that you can default on your loans to free up money. The federal government has multiple options available to recover its money. For example, the government can take a cut from your Social Security payments or your tax return. They can also claim up to fifteen percent of your income that is disposable. This can become financially devastating.

TIP! Wipe away the thoughts about not paying back your student loans and thinking the problem will just go away. The government has multiples ways to collect on debt.

If you do not have excellent credit and you must put in an application to obtain a student loan through private sources, you will most likely need a co-signer. It is critical that you keep up with all of your payments in a timely manner. If you miss a payment, your co-signer will be held responsible.

Heed caution when dealing with private loans. Many times, it is difficult to ascertain exactly what the terms are. Many times, you will not know until you’ve already signed for them. And at that moment, it may be too late to do anything about it. Gather as much facts and information as you are able to. If you receive an offer that’s great, see if other lenders can beat or match it.

TIP! Be careful with private loans. It may be challenging to find the terms.

Do not rely on student loans to finance your education. Save your money wherever possible and look into scholarships you might qualify for. There are a lot of great websites that offer information about available grants and scholarships. Start right away to get the best information and assistance.

When filling out the student loan paperwork, it is very important that you check it for accuracy. Bad calculations will affect the amount you can take out on a loan. If there is any doubt in your mind that you filled it out right, you should consult a financial aid rep at your school.

TIP! Double check your application for mistakes before you submit it. A mistake may result in you getting less money than you had hoped for.

Double check to ensure that your application for mistakes before you submit it. This is something to be careful with because you may get less of a student loans that are offered to you. Ask for help if you need it.

Talk to your lender if you want to gain insight on your loan. You can learn about changes or issues that way. Your lender can also give you tips to repay your loan more effectively.

TIP! Stay in contact with the bank who loaned you the money. This way, you will have a relationship with the person with whom you will be dealing.

Stay in touch with your loan. This is essential since you need to know all of the information on your loans and stipulations are involved in your payback plan. Your lender can also provide some valuable repayments tips to you.

You need to understand what all of your options are when it comes to loan repayment. Check out graduated payments as one option. Your payments increase over a period of time, hopefully like your income.

Do your student loan balance seems insurmountable. It might seem daunting at first, you will be paying it back gradually over an extended period of time.

When you are staring at a high loan balance for a student loan, try to stay calm. Keep in mind that even a large amount will eventually be reduced with monthly payments. You can reduce your student debt by committing to hard work and regular payments.

TIP! When you are staring at a high loan balance for a student loan, try to stay calm. It can seem like a ton, but you pay it back gradually for a long time.

Make sure you fully understand your terms of repayment. You should be clear about your lender needs from you. You should find out this before signing anything on the dotted line.

Anytime that you feel that you can’t make your monthly payment on your student loan, let the loan lender know immediately. You will find they are likely willing to work together with you so you can stay current. You may get a deferral or lower payments.

TIP! As soon as you think you’ll miss a payment, let your lender know. The lender will be more likely to assist you if your payment is current.

It doesn’t take long to owe a lot of money for school. Poor choices in financing a college education can negatively impact a young adult’s future. Luckily for you, the paragraphs you just read can help you navigate the treacherous waters.

To get more returns from student loans, try taking online classes along with classes in a college building. This allows you to add some hours to your full-time load and schedule the assignments around your other classes and your job schedule. This will help you get more hours each semester.

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