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: Get What You Need To Know Now

If you lose your job, face financial issues or some other bump in the road comes up, don’t worry about missing a payment. Most lenders have options for letting you put off payments if you are able to document your current hardship. Just know that when you do this, interest rates might go up.

Student loans are a college degree.It’s best to learn about loans before signing any paperwork. Read this article to learn more about what you should know before borrowing.

The best way to pay down your student loan debt early is to focus on the loans that come with a higher interest rate. If you think you will be better off paying the one with the highest monthly payments first, you may be wrong. Best to look at the interest rates.

TIP! If you wish to repay student loans in advance, deal with the ones with the highest interest rates first. Repaying based on balance size could actually cause you to pay more in interest than you otherwise would have.

Know the specifics about your student loans. You must watch your balance, know who you owe, and what the repayment status currently is with loans. These are details that play an important factors. This is must-have information if you to budget wisely.

Check the grace period of your student loan. Stafford loans typically give you six months. Perkins loans give you nine months. Grace periods for other loans vary. Do you know how long you have?

TIP! Pay attention to how long the grace period is after your graduation before you student loan has to be repaid. For Stafford loans, it should give you about six months.

Make sure you are in close contact with your lenders. Make sure you let them know if your current address and phone number. You must act immediately if information is required. Missing anything in your paperwork can end up costing a great deal of money.

Think about what payment option works for you. In general, ten year plans are fairly normal for loan repayments. Other options are likely to be open to you if this option does not suit your needs. 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 may be able to make your payments based on percentage of your income after you get a job. Some balances pertaining to student loans get forgiven about 25 years later.

TIP! Go with the payment plan that best fits what you need. Most student loan companies allow the borrower ten years to pay them back.

Focus on paying off student loans with high interest loans. If you solely base your repayment by which ones have a lower or higher balance, it can cost you extra in the end.

Pick a payment plan that works best for you. 10 years is the default repayment time period. If this won’t do, then there are still other options. If you take a loan at a higher interest rate, for example, you can extend your time to pay. Think about what you “should” be making in the future and carefully go over everything with a trusted adviser. After 20 years, some loans are completely forgiven.

Stafford loans offer six month grace period. Other types of student loans will vary. Know when you are to begin paying on time.

To get the most out of your student loan dollars, take as many credit hours as possible. Full-time students typically have a minimum of nine to twelve hours per semester, but some schools let you take up to fifteen or even eighteen, speeding up your graduation date. This helps you minimize the amount of your loans.

TIP! To make your student loan money stretch even farther, consider taking more credit hours. 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.

Choose payment options that fit your circumstances. Many loans will offer payment over a 10 year repayment plan. There are other ways to go if this doesn’t work. For example, you can spread your payments out over more time, but this will increase your interest. You might also be able to pay just a percentage of your income once you begin making money. The balance of some student loans usually are forgiven after 25 years have elapsed.

Be sure to read and understand the terms of any student loans you are considering. It is important that you ask questions to clarify anything that is not really clear to you. This is one way a lender may collect more payments than they should.

TIP! Many obtain student loans, sign their documents, but remain clueless about what they’re signing into. You must ask the right questions to clarify what you don’t understand.

Pay off as soon as you can to reduce your total debt. Focus on the big loans first. Once you pay a big loan off, you can focus on smaller loans. By making sure you make a minimum payment on your loans, you will more quickly rid yourself of 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 require a co-signer. It is very important that you keep up with all of your payments. If you do not do so, then whoever co-signed your debt will be held liable.

TIP! If you have poor credit and are looking for a private loan, you will need a co-signer. You must be current on your payments.

The prospect of monthly student loan every month can seem daunting for someone on an already tight budget. You can make things a little with loan reward programs. Look at websites such as SmarterBucks and LoanLink programs that can help you.

Your college may have motives of its own for recommending certain lenders. Some schools let private lenders use their name. This may be deceiving. If you decide to get a loan from a particular lender, the school may stand to receive a monetary reward. Make sure you know all the details of any loan before signing on the dotted line.

TIP! Your school could be biased toward certain lenders. Some schools let private lenders use their name.

One type of student loan that may be helpful to grad students is the PLUS loans. They bear an interest rate at 8.5 percent. This is a bit higher than Perkins and Stafford loans, but it will be a better rate than a private loan. This makes it a great choice for established and mature students.

Be leery of applying for private loans. Understanding every bit of these loans is difficult. You may not even know them until you’ve signed the paperwork. When this occurs, it might be too late to get out of trouble. Get all the necessary information. If a good offer comes your way, ask other loan providers if they can match or beat it.

TIP! Be wary of private student loans. It can prove difficult to find out what the exact terms are.

Do not think that defaulting will relieve you can just default on student loan debts. The government has several collection tools at its money back. They can take this out of your income taxes at the end of the year.The government may also take up to fifteen percent of what it deems your disposable income. You could end up worse off than before in some circumstances.

Do not rely on student loans in order to fund your entire education. Keep in mind that you need to save up and look for scholarships or grants to get help. There are many websites available that can help match you with grants or scholarships that you may qualify for. Make sure you start looking as early as possible so you can have everything in order well before it is time to pay for school.

TIP! Don’t finance your whole college education by using student loans. Remember to also seek out grants and scholarships, and look into getting a part time job.

Be leery of private student loans. It can prove difficult to find out what the terms. You may only find out after signing until later. Get all the pertinent information as you can.

Look into meal plans that let you pay per meal. You can prevent yourself from getting charged for dining hall extras, since you will just pay a flat fee for every meal you have.

TIP! In order to maximize your student loan, try not to overspend by buying meal plans which offer per year, not a dollar amount. That way, you can pay a flat fee instead of being nickel and dimed.

Never rely solely on a loan to pay for college. Save money up in advance and do not forget to apply for scholarships. There are several great websites that help you with scholarships so you can get good grants and scholarships for yourself. Start looking early so that you’ll find the best information and leave yourself enough time to prepare.

Figure out what you have as repayment options. You may want to look into graduated payment plans. Your starting payments are small and will increase as your salary and security increases.

TIP! Understand your repayment options at all times. If you believe finances will be tight after graduation, try to get a graduated repayment plan.

Double check your loan application for mistakes before you submit it. This is crucial because any mistakes could affect the amount of the student loan you are offered.Ask for help if you are uncertain.

Find a job you can do on campus to help augment the income you get from student loans. This will help you contribute money and avoid taking out such a large loan.

Get a meal plan at school to make the long run. This will prevent getting charged for extra dining money since it’s just a flat fee for every meal.

Do your best to avoid panicking when you have a large sum of money to repay on a student loan. The amount owed can seem very large, but remember you’re going to pay it back over an extended time period. Stay on top of your payments and your loan will disappear in no time.

TIP! When you first see the amount that you owe on your student loans, you may feel like panicking. 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.

Understand the options you have in repaying your loan. If you think monthly payments are going to be a problem after you graduate, you may want to sign up to get graduated payments. Your payments tend to be smaller and will increase later on.

Make sure you fully understand the payback’s terms. Some types of loans have a designated grace period or are eligible for a forbearance or other options. Make sure that you are aware of all your options. Before putting your signature on the loan agreement, it is wise to understand all the details.

TIP! The payback terms are crucial to understand. There are loans with grace periods that have other options like forbearance for unexpected circumstances.

Stay in touch with all lenders when you graduate. Always tell them when you move or change other contact information. This helps you to be sure that you take care of any changes to lender or your lender’s information. You should also let them know if you withdraw, graduate, or graduate.

Contact the lender if you are unable to make payments. As long as the lender sees that you are making an effort up front, they will typically be much more interested in helping your credit to remain in good standing. Perhaps you can get a deferral or lowered payments.

TIP! If you cannot make your payment, get in touch with your lender immediately. You will have a better chance of getting help if you ask for it.

As you can now see, there are many variables to consider regarding student loans. The decisions you make now will affect you long after graduation. Borrowing wisely is always the best course of action, so keep the above tips in mind when it comes to student loans.

Talk to your lenders when you graduate. Always tell them when any of your contact information changes. This means that you are going to know about any terms changes or new lender facts. You must also let them know if you transfer, withdraw, or graduate.

September 25, 2020
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