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 Do’s And Don’ts For The Average Person

Keep in mind that there’s a grace period to follow before it’s time to pay a loan back. The grace period is the period between when you graduate and when you have to start paying back your loans. Being aware of this will help you get a jump start on payments, which will help you avoid penalties.

TIP! Find out what the grace period is you are offered before you are expected to repay your loan. This usually means the period of time after graduation where the payments are now due.

Student loans can give you an outlet for paying large college education that is open when other routes are not. This information can help put you in the best decisions about loans.

Private financing is always an option. Although there are a variety of public student loans, it can be difficult to obtain them due to competition and demand. Private loans are not in as much demand, so there are funds available. Check out this type of funding in your community, and you might get enough to cover your books for one semester or maybe even more.

TIP! Keep in mind that private financing is an option to help pay for school. Because public loans are so widely available, there’s a lot of competition.

Don’t fret when extenuating circumstances prevent you from making a student loan off because you don’t have a job or something bad has happened to you. Most lenders can work with you put off payments if you are able to document your job. Just remember that doing this may raise the interest rates.

Do not panic when you are faced with paying back student loans. You could lose a job or become ill. Luckily, you may have options such as forbearance and deferral that will help you out. Just remember that interest keeps accruing in many forms, so try to at least make payments on the interest to keep the balances from increasing.

TIP! Don’t panic when you struggle to pay your loans. Job losses or unanticipated expenses are sure to crop up at least once.

Use a process to pay off your student loans. Begin by figuring out how much money you can pay off on each of your loans. Second, pay anything extra to the loan with the highest 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 cut down on your liability over a period of time.

There are two steps to approach the process of paying off student loans you have taken out. First, be sure to pay the monthly amount due on each loan you have taken out. Next concentrate on paying the largest interest rate loan off first. This will make things cheaper for you over time.

TIP! Pay your loan off in two steps. Make sure you pay the minimum amount due each month.

Focus on the high interest rates. You may think to focus on the largest one but, because taking care of the lower ones could cause you to end up paying more money.

It is important to know how much time after graduation you have before your first loan payment is due. For example, you must begin paying on a Stafford loan six months after you graduate. Perkins loans have a nine-month grace period. There are other loans with different periods. Know when you will have to pay them back and pay them on time.

TIP! Know how long you have between graduation and the commencement of loan payments. Many loans, like the Stafford Loan, give you half a year.

Choose a payment plan that is best suited to your needs. Many of these loans offer a 10 year repayment period. There are other choices as well. You might be able to extend the plan with a greater interest rates. You might also be able to pay a certain percentage of income once you begin making money. Some balances are forgiven in 25 years have passed.

Get a payment option that works for you. Most student loans have a ten year plan for repayment. If that isn’t feasible, there could be alternatives. For instance, it may be possible to stretch out your payments for a longer period of time, although you will end up paying more interest. You can put some money towards that debt every month. Certain student loans forgive the balances once 25 years are gone by.

TIP! Figure out what will work best for your situation. In the majority of cases, student loans offer a 10 year repayment term.

Pick a payment plan that works best fits your requirements. Many of these loans will offer a 10 year repayment plan. There are other ways to go if this doesn’t work. For example, you can possibly spread your payments over a longer period of time, your interest will be higher. You may also make payments based on your income to pay once you are bringing in money. The balances on student loans usually are forgiven once 25 years.

When paying off your student loans, try paying them off in order of their interest rates. You should always focus on the higher interest rates first. Make extra payments so you can pay them off even quicker. Prepayment of this type will never be penalized.

TIP! Look to pay off loans based on their scheduled interest rate. The one carrying the highest APR should be dealt with first.

The idea of monthly student loan payments can be somewhat daunting for someone on an already tight budget. You can make things a little with loan rewards programs. Look at websites such as SmarterBucks and LoanLink via Upromise.

For those on a budget already stretched to the max, the idea of a student loan can be scary. A rewards program may help things. For example, you can look at SmarterBucks or LoanLink programs from Upromise. These are very similar to cash back programs, where any dollars you spend can accumulate rewards which apply to your student loan.

Many people apply for student loans without really understanding what they are getting into. You could be paying more money on interest and other fees than you don’t.

Bad credit will mean you need a cosigner on a private loan. Staying on top of your payments is essential. If not, your co-signer will be held responsible.

Fill out paperwork the best that you can. Incorrect and incomplete loan information can result in having to delay your education.

Be very cautious about private student loans. It isn’t easy to know what the terms might be. You may find it difficult to navigate through it all until after you are already stuck. If you sign a contract without understanding the terms, you could be setting yourself up for heartache. Get all the pertinent information you can. If you get a great offer, check with other lenders to see if they will meet or beat it.

TIP! When applying for private student loans, you need to be cautious. Terms are usually unclear in these loans.

Stafford and Perkins loans are two of the best federal student loan options. These are considered the safest and the safest. This is a good deal that you may want to consider. The interest for a Perkins loan is 5 percent. Subsidized Stafford loans have an interest rate cap of no more than 6.8 percent.

It’s tempting to do it, but you should never make student loans the only path of paying for your schooling. Keep in mind that you need to put money aside and investigate grants and scholarships that may offer you some financial assistance. 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. Start right away to get the entire process going and leave yourself enough time to prepare.

Particular Lenders

When filling out the student loan paperwork, it is very important that you check it for accuracy. One mistake could change how much you are offered. If you have any questions about filling out the application, talk to experts on financial aid from your college.

TIP! Double check your application for mistakes before you submit it. One mistake could change how much you are offered.

Remember your school may have its own motivations for recommending you borrow money from particular lenders. Some schools let private lenders to utilize the name of the school. This is frequently not be in your best deal. The school could benefit if you choose a particular lenders. Make sure to understand all the subtleties of a particular loan prior to accepting it.

Only pay for the meals that you eat; get a meal plan to save money. That way, you won’t be overpaying for extra items in the cafeteria. You will just pay a flat fee for every meal.

TIP! To maximize the use of your student loan, purchase a meal plan which is based on the meal instead of how much it costs. This means that you won’t get gouged for extras in the dining hall line, instead just paying one flat fee for each meal that you eat.

It is certainly the case that far fewer students would go to college if student loans were unavailable. But, without sufficient understanding of the right way to go about securing and repaying them, financial catastrophe can be just around the corner. Use the material you just read to make the right choices.

Explore the different ways you can repay your loans. Look into getting graduated payments if you are having financial troubles. This makes it so that your early payments are smaller and will gradually increase as your earning potential rises.

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