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: Get What You Need To Know Now

Make sure you know what the grace period is for your loans before you need to start making payments. In order words, find out about when payments are due once you have graduated. 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.

A student loan is extremely important because it makes it possible to get educated.The piece provides you with helpful tips with regard to making application for student loans.

Stay in touch with your lending institution. Always let them know when you change your phone number, mailing address or email address, and these things can happen often when you are in college. Be certain that you immediately review anything you get from your lender, be it an electronic notice or paper mail. If the correspondence requests you take an action, do so as soon as you can. It can be quite costly if you miss anything.

TIP! Keep in touch with the lender you’re using. Let them know if your number, email or address changes, all of which occur frequently during college years.

Know how long of grace periods your loans offer.This is the period of time after graduation before you loan becomes due. Knowing this is over will allow you to make sure your payments are made on time so you don’t have a bunch of penalties to take care of.

If you’re having trouble repaying loans, don’t panic. You will most likely run into an unexpected problem such as unemployment or hospital bills. Most loans will give you options such as forbearance and deferments. 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 aren’t able to make a loan payment. Job losses or unanticipated expenses are sure to crop up at least once.

Don’t panic if you from making a payment due to job loss or another unfortunate event. Most lenders have options for letting you if you are able to document your current hardship. Just know that doing so could make your interest rates rise.

If you’re considering repaying any student loan ahead of time, focus on those with the largest interest. If you get your payments made on the loans that have the lowest or the highest, it can cost you extra in the end.

TIP! If you want to get any student loan paid ahead of time, it’s a good idea to pay off the ones with more interest. Do not simply pay off the loan that has the smallest amount remaining.

There are two main steps to approach the process of paying off student loans you have taken out. Begin by ensuring you can pay off on each of your loans. Second, pay anything extra to the loan with the highest interest rate, and not just the largest balance. This will make things cheaper for you over the long run.

Keep in mind the time that’s allotted to you as your grace period from when you get out of school until you have to start paying back the loan. For example, you must begin paying on a Stafford loan six months after you graduate. For Perkins loans, you have nine months. Other kinds of loans may have other grace periods. Be aware of exactly when you must start making payments, and be sure to make those payments on time!

TIP! Your loans are not due to be paid back until your schooling is complete. Make sure that you find out the repayment grace period you are offered from the lender.

Focus initially on paying off student loans with high interest rates. If you try to pay off the ones with the lowest balances first, there is a chance that you will end up owing more money in the end.

Be sure you select the right payment plan option for you. The ten year repayment plan for student loans is most common. There are many other options if you need a different solution. For instance, you may pay back within a longer period of time, but it will be with higher interest rates. You may be able to make your payments based on percentage of your income after you get a job. There are even student loans that can be forgiven after a period of twenty five years passes.

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

Pick a payment plan that works best for you. Most student loans allow for repayment over ten years. It is possible to make other payment arrangements. Examples include lengthening the time it takes to repay the loan, but having a higher interest rate. Therefore, you should pay it once you make money. Sometimes student loans are forgiven after 25 years.

TIP! Choose the right payment option for you. Most student loans allow for repayment over ten years.

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 reduce the amount of your loans.

Pay off student loans in interest-descending order. Pay off the highest interest rate loan first. Do what you can to put extra money toward the loan so that you can get it paid off more quickly. There is no penalty for early repayment.

TIP! When the time comes to repay student loans, pay them off based on their interest rate. You should pay off the loan that has the highest interest first.

Many people will apply for their student loans without reading what they are getting into. This is an easy way for a lender to get more payments than they are supposed to.

Take more credit hours to make the most of your loans. You will graduate more quickly if you get to 15 or 18 hours each semester rather than 9 or 12. This helps to lower your loan amounts.

TIP! To get more from student loan money, try taking as many credits as you can. As much as 12 hours during any given semester is considered full time, but if you can push beyond that and take more, you’ll have a chance to graduate even more quickly.

Never rely solely on student loans in order to pay for your schooling. Save your money wherever possible and do not forget to apply for scholarships. There are websites that will help match you to scholarships and grants to fit your needs. Be sure you start to search soon as possible in order to be prepared.

Fill out paperwork for student loans with great accuracy to facilitate quick processing. If you make a mistake, it will take longer to go through. You may not see any money for an entire semester.

TIP! Your student loan application must be filled out correctly in order to be processed as soon as possible. Incorrect or inaccurate information will only delay the process, and that may result in your schooling pushed back to the following semester.

Get a meal plan at school to make the long run. This allows you to not worry about what’s on your plate each time you eat because each meal is a flat fee for every meal.

A PLUS loan is a loan that can be secured by grad students as well as their 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. Therefore, it should be something to consider.

TIP! PLUS student loans are offered to parents and graduate students. They have a maximum interest rate of 8.

Stay in contact with the lender providing your lender. This is essential since you will want to know all of the information on your loan and what stipulations are involved in your repayment plans. Your lender should also be able to provide you with valuable tips for repayment.

Understand that school affiliations with lenders can be quite misleading when you are deciding which lender to choose. Some colleges permit private lenders to utilize the name of the school. This is somewhat misleading. Schools may actually receive money from the lender of you end up taking out a loan. Know the terms and conditions of any loan you are considering before you sign anything.

TIP! Keep in mind that the school you attend could have a hidden agenda when it comes to them recommending you to a lender. Some schools allow private lenders to use the school name.

Understand the options you for repayment. If paying back the loan will be an issue once you complete school, try to get a graduated repayment plan. This ensures your starting payments are smaller and go up slowly.

When it comes to private student loans, exercise extreme care. Discovering the exact terms and fine print is sometimes challenging. Often, you don’t know until you have already signed on the dotted line. You may not be able to get out of the loan then. Find out as much as you can about them. If you receive any individual great offer, use it to see if other lenders might compete with it.

Do your student loan. The amount owed can seem very large, but remember that the loan comes with a large term amount to pay the loan back.

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.

TIP! To extend to value of your loan money, try to get meal plans that do not deduct dollar amounts, but rather include whole meals. This allows you to not worry about what’s on your plate each time you eat because each meal is a flat rate.

Make sure you fully understand repayment terms. It is critical that you understand all your choices before agreeing to the loan terms. You must find this out before signing anything on the dotted line.

Try finding on-campus employment to supplement your student loan. You may be able to pay for some things yourself, and you will have a little extra money to hang out with friends.

TIP! To make sure you get financially stable when it comes to student loans, try to get a job while you’re on campus. This can offset your expenses somewhat and also give you some spending money.

Since tuition is so high, many people need to borrow money to pay for college. Getting a loan is easier when you have the right advice to follow. This article has lots of information to help you; start using it. Find the right student loan so you can have the education you want.

Make certain you are fully aware of your repayment terms. Some loans may offer different options, and many of them offer a grace period. You should know your options. Before putting your signature on the loan agreement, it is wise to understand all the details.

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