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: April 13, 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

Top Header...
Advertisements:

Student Loans: Get What You Need To Know Now

Be mindful of any grace period you have prior to having to repay your loan. This generally means the period after you graduate where the payments will become due. Knowing when this is over will allow you to know when to pay your payments on time so you don’t have a bunch of penalties to take care of.

TIP! 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. In order words, find out about when payments are due once you have graduated.

Many people want a quality education but think they could possible afford it. School costs a lot of money, but student loans can help you realize your dream. Read the following article to learn all about applying for one.

Make sure you stay in close contact with your lenders. When you make changes to your address or phone number, make sure you let them know. When your lender send you information, either through snail mail or e mail, read it that day. Do whatever you must as quickly as you can. If you miss important deadlines, you may find yourself owing even more money.

TIP! Stay in contact with all lenders. Keep them updated on any change of personal information.

Don’t neglect private financing for your college years. There is not as much competition for this as public student loans even if they are widely available. Explore the options within your community.

Remain calm if you discover that can’t make your payments due to an unforeseen circumstance. Most lenders have options for letting you put off payments if you are able to document your current hardship. However, you should know that doing this could cause your interest rates to increase.

TIP! You don’t need to worry if you cannot pay for your student loans because you are unemployed. A lot of the time a lender will allow a payment to be postponed if you show them you’re having a hard time.

Don’t panic if you aren’t able to make your payments on your student loans. Unemployment and health problem can happen at any time. There are forbearance and deferments available for most loans. Just know that the interest will build up in some options, so try to at least make payments on the interest to prevent your balance from growing.

To make paying for college easier, don’t forget to look at private funding. Public student loans are highly sought after. Private loans are easy to get and there are many options. Explore any options within your community.

TIP! Don’t forgo private loans for college. Student loans through the government are available, but there is a lot of competition.

Focus initially on paying off student loans with high interest rates. If your payment is based on what loans are the highest or lowest, you may pay more interest that you have to.

Don’t panic if you cannot make your payments on your student loans. Life problems such as unemployment and health complications are bound to happen. Make sure you are aware of the specific terms that apply to such circumstances, such as deferments or forbearance, which are part of most loan programs. However, the interest will build during the time you are not making payments.

Stafford loans typically allow six months of grace period. Other student loans can vary. Know when you are to begin paying on time.

Select a payment plan that works for your needs. Lots of student loans offer ten-year repayment plans. There are other choices available if this is not preferable for you. Understand if you choose a longer repayment period you will end up having to pay more in interest. Consider how much money you will be making at your new job and go from there. Certain student loans forgive the balances once 25 years are gone by.

TIP! Get a payment option that works for you. In general, ten year plans are fairly normal for loan repayments.

Select a payment arrangement that works for you. Many of these loans allow for a ten year repayment period. There are many other choices as well. You might get more time with a greater interest rates. You can pay a certain part of your income after you get some work. Some balances pertaining to student loans are forgiven about 25 years have passed.

Too often, people will accept student loans without contemplating the legal implications. It is vital that you understand everything clearly before agreeing to the loan terms. You do not want to spend more money on interest and other fees than you need to.

TIP! Some people apply for loans and sign the papers without understanding the terms. It is essential that you question anything you do not clearly understand.

Pay off your biggest loan as soon as you can to reduce your total principal. Focus on paying off big loans up front. Once you pay off one big loan, you can focus on smaller loans. When you make minimum payments against all your loans and pay as much as possible on the largest one, you have have a system in paying of your student debt.

Be sure to fill out your loan applications neatly and properly to avoid any delays in processing. 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! To make sure your student loan application goes smoothly, make sure the information you include is accurate. You might find your paperwork in a stack waiting to be processed when the term begins.

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 helps you reduce the loan amounts you need to borrow.

Don’t think that you won’t have to pay your debt back. There are various ways that your finances can suffer because of unpaid student loans. For instance, it has the power to seize tax refunds as well as Social Security payments. It is also possible for the government to garnish 15 percent of all disposable income. You can easily find yourself in a very bad position that will take many years to get out of and cause many headaches.

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

Be very cautious about private student loans. Finding exact terms is difficult. Never sign an agreement without understanding the terms of the contract. If there are terms you find unfavorable at this point, then it can be really hard to back out of the deal. Learn about them in detail before selecting one. If a lender gives you a good offer, see if another lender will match it or do even do better.

TIP! Don’t rush into taking a private student loan. The exact terms may not be spelled out clearly.

Stafford and Perkins are two of the best that you can get. These are very affordable and the safest. This is a great deal that you are in school your interest will be paid by the government. The Perkins loan has an interest rate is 5%. The Stafford loans are subsidized and offer a rate which is not more than 6.8%.

You can use your student loan money more efficiently by purchasing meal plans that group meals together instead of charging dollar amounts. A plan that presumes you will eat every time food is served may overcharge you.

TIP! To make sure that your student loan dollars go as far as possible, buy a meal plan that goes by the meal rather than the dollar amount. This means you’re not going to have to pay a lot for the food you eat if you’re not able to get food that day from the school.

If you don’t have very good credit and need a student loan, you will need a co-signer. It is very important that you stay current on your payments. If you’re not able to, the cosigner is accountable for your debt.

Understand the options available to you for repayment. Securing a graduated payment agreement can make repayment of your loans easier when you graduate from college. The payments will start off low and then increase over time. Since you should earn more as you advance in your career, that may be something to consider.

TIP! Make sure you fully grasp all repayment options. If you anticipate financial constraints immediately following graduation, think about a loan with graduated payments.

Don’t think that you won’t have to pay your loans to free up money. The federal government can recover that money through multiple options. They can take your income taxes at the end of the year. The government may also has the right to claim 15 percent of your income. You could end up worse off in some cases.

You need to make sure you understand all the requirements of paying back the loan. Some loans have a grace period, or can be granted a forbearance and other options for different circumstances. It is critical that you are aware of your options and the lender’s expectations. You need to understand the facts prior to signing your name to anything.

Double check your application doesn’t have errors. This will impact the maximum amount in a loan that is available to you. Ask for help if you are uncertain.

Anytime that you feel that you can’t make your monthly payment on your student loan, let the loan lender know immediately. These institutions are more likely to accommodate your needs if you seek their help right away. You may even be able to get your loans deferred or lowered.

TIP! If you’re not going to be able to make your payment, you should get a hold of the lender you’re using as soon as you can. Financial institutions are more prone to make arrangements for you to stay current on your account if you communicate with them.

Stay in contact with the lender providing your loan. This is important as you may have questions down the line. Your lender should also give you tips to repay your loan more effectively.

To get a good return on a student loan, get some classes you can take online along with the traditional schooling you can get. That way you can maximize your course load while still having time to work and attend regular classes. You can maximize the number of classes you are taking in this way.

TIP! Consider taking classes online in addition to your traditional classes to get the most from your student loans. That way you can maximize your course load while still having time to work and attend regular classes.

Understand the options you for repayment. If paying back the loan will be an issue once you complete school, think about a loan with graduated payments. This ensures your early payments will be small and will gradually increase as your earning potential rises.

Prior to looking at private loans, look into federal loans. There are numerous advantages to federal student loans, like the fixed interest rates offered. You don’t risk any new surprises from month to month with student loans featuring fixed rates. You can create a budget by using this method.

Try finding a job at your college to help augment student loans. This will assist your expenses somewhat and also give you must borrow.

To help lower the costs of your student loans, it is a great idea that you take plenty of Advanced Placement classes while in high school. At the end of every advanced placement course, you will take a test to determine whether or not you have attained a college competency level. Scoring well on such tests can get you college credits.

TIP! If you want to make sure you keep student loan debt to a minimum, take a lot of AP classes when you’re in high school. The AP classes give you a college level competency exam at the end.

Since school is expensive, you should know about student loans. If you know what you are doing, there is no reason to fear a loan. Take this information to heart and enjoy your college years!

Try to pay off the highest interest loan first. This helps prevent unnecessary interest from accruing, weighing down your debt. Keep track of every loan and its terms. Pay your loans on time and keep accurate records.

Copyright 2016-18. iMarket Coaching. All rights reserved.