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 29, 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: Helpful Hints To Help You Become A Master

Don’t overlook private financing for your college years. Student loans are known to be plentiful, but there is so much competition involved. Private student loans are far less tapped, with small increments of funds laying around unclaimed due to small size and lack of awareness. Talk to people you trust to find out which loans they use.

Getting a good education will help you succeed in life. Read on to learn just how a student loan can make going to school easier.

Do not panic when you are faced with paying back student loans. You could lose a job or become ill. Lenders provide ways to deal with these situations. Interest will build up, so try to pay at least the interest.

TIP! Try not to panic if you can’t meet the terms of a student loan. Unemployment or health emergencies will inevitably happen.

Know how long of a grace periods your loans offer. This is the amount of time after graduation where the payments need to start. Knowing when this allows you to know when to pay your payments are made on time so you can avoid penalties.

There are two main steps to paying off student loans. First, always make minimum payments each month. The second step is applying any extra money you have to your highest-interest-rate loan and not the one with the biggest balance. You will reduce how much it costs in the long run.

TIP! When paying off student loans, do it using a two-step process. First, ensure you meet the minimum monthly payments on each separate loan.

Always keep in contact with all of your lender.Make sure they know if your current address and phone number. Take whatever actions needed as soon as you can. Missing anything in your paperwork can cost you owe a lot more money.

If you are in the position to pay down your student loans, make the high interest loans your first priority. Calculating the terms properly will prevent spending more money than is necessary by the end of the loan.

TIP! If you wish to repay student loans in advance, deal with the ones with the highest interest rates first. If you focus on balances instead, you might neglect how much interest you accrue over time, still costing you money.

Don’t panic if you have a loan payment. Job losses and health emergencies are bound to pop up at one point or another. There are forbearance and deferments for such hardships. Just remember that interest will continue to build in many of these options, so try to at least make payments on the interest to keep the balances from increasing.

Go with the payment plan that best suits your needs. A lot of student loans give you ten years to pay them back. If you don’t think that is right for you, look into other options. As an example, it may be possible to extend your payment time, but typically that’ll include a higher interest rate. You may also use a portion of your income to pay once you are bringing in money. It’s even the case that certain student loans are forgiven after a certain time period, typically 25 years.

TIP! Choose a payment option based on your circumstances. Many of these loans have 10-year repayment plans.

Focus on paying off student loans with high interest loans. You definitely want to pay down the ones with the highest interest rate, the accruing interest will add up to more over time.

When you pay off loans, pay them off from highest to lowest interest rates. Pay loans with higher interest rates off first. Apply any extra dollars you have to pay off student loan balances faster. There is no penalty for repaying sooner than expected.

TIP! When you pay off loans, pay them off from highest to lowest interest rates. The loan with the largest interest rate should be your first priority.

Stafford loans have a period of six months. Other kinds of student loans can vary. Know when you will have to pay them back and pay them on your loan.

To help maximize the money you get from student loans, sign up for additional credit hours. You will graduate more quickly if you get to 15 or 18 hours each semester rather than 9 or 12. This helps you shave off some of the cost of your loans.

TIP! Increase your credit hours if possible. 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.

Select the payment option that works for your needs. Many loans offer a ten year repayment period. There are many other options if you can’t do this. You might be able to extend the plan with higher interest rate.You may have to pay a certain part of your income once you get some work. Some student loans are forgiven when twenty-five years have passed.

Fill out your paperwork the best that you can. You might find your paperwork in a stack waiting to be processed when the term begins.

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

Reduce the principal when you pay off the biggest loans as quickly as possible. Focus on paying the big loans up front. After you have paid off your largest loan, begin paying larger payments to the second largest debt. When you apply the biggest payment to your biggest loan and make minimum payments on the other small loans, you’ll find that it is much easier to eliminate your debt.

Applying for a private loan with substandard credit is often going to require a co-signer. It is vital that you stay current on your payments. If you fail to do so, the co-signer will be responsible for the payments.

Many people will apply for student loans without really understanding what they are signing. You could be paying more money on interest and other fees than you need to.

A PLUS loan is a loan that can be secured by grad students as well as their parents. Interest rates are not permitted to rise above 8.5%. Although this rate is higher than that of the Perkins and Stafford loans, it is lower than the rates charged for private loans. This loan option is better for more established students.

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

Your school might have motivations of its own when it comes to recommending certain lenders. Some let these private lenders use their name. This is misleading. The school might get money if you choose a particular lender. Be sure you understand all the ins and outs of a loan before accepting it.

TIP! Why would your school recommend a certain lender to you? Certain schools let private lenders use the name of the school. This may be deceiving.

If your credit is abysmal and you’re applying for a student loan, you will need a co-signer. It is vital you keep current with all of your payments. If you do not, the co-signer will be responsible for the payments.

Don’t think that student loans should be depended on totally. Save money wherever possible and look into scholarships you might qualify for. There are websites that will help match you to scholarships and locate grants. Start your search early so you’re best prepared.

TIP! Never depend solely on student loans for paying for college. You should do what you can to earn extra money, and you should also look to see what school grants or scholarships you may be eligible for.

Keep in mind that your school could have reasons of its own for suggesting you use certain lenders. There are institutions that allow the school’s name. This may not be in your best deal.The school might get a payment or reward if you go with particular lenders. Make sure you grasp the nuances of a particular loan prior to accepting it.

Stay in contact with the bank who loaned you the money. This is important because you may have questions down the line. They may even have some great tips on repayment.

TIP! Talk to your lender if you want to gain insight on your loan. This way, you will have a relationship with the person with whom you will be dealing.

Do not think that defaulting will relieve you from your student loans to get out of paying them. The federal government has a lot of ways it can try to get its money. They can take this out of your taxes or Social Security. It can also get part of your disposable income. You will probably be worse off that you were before in some cases.

Look into all of your repayment options. If you’re thinking it will be hard for you to make payments after you get out of school, you may want to sign up to get graduated payments. This makes your first payments smaller and they get bigger gradually over time, when you are hopefully making more money.

TIP! Always know your repayment options. If you cannot afford to pay off your loans when you first graduate college, ask about graduated payments.

As this article said before, a lot of people want to further their education but think it’s hard because of the high costs. You have no need to worry about school costs anymore now that you know you can get your desired education using student loans. Remember this advice when applying for student loans.

Try finding a job you can do on campus to help augment income you receive from student loans. This can offset your expenses somewhat and also give you some spending money.

A learning platform providing free or fee-based curriculum for personal or professional development through Coaching.

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Atlanta, Ga. 30309
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