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: November 26, 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: How To Make The Most Of Them

Know your loan details inside and out. You want to keep track of your balance, who your lender is and any current repayment status of your loans. These details affect your repayment options. This will allow you to budget effectively.

TIP! Make it a point to be aware of all the important facets of your student loans. Know your loan balance, your lender and the repayment plan on each loan.

Student loans are what people to get higher education that could not afford otherwise. The advice below can assist you sort things out and make educated decisions about your educational future.

The best way to pay down your student loan debt early is to focus on the loans that come with a higher interest rate. Repaying based on balance size could actually cause you to pay more in interest than you otherwise would have.

TIP! If you plan to prepay your loans, try to pay those with the highest interest rates first. You may think to focus on the largest one but, the accruing interest will add up to more over time.

Know all the specifics about your loan. You need to be able to track your balance, keep track of the lender, and what your repayment status is. These three things will affect future repayment plans and loan forgiveness options. This is must-have information if you to budget effectively.

Know how much time your grace period is between graduating and when you need to start paying back loans. Six months is usually the length for Stafford loans. Perkins loans have a nine-month grace period. For other loans, the terms vary. Know when you will have to pay them back and pay them on time.

TIP! Know how long the grace period is between the date of your graduation and the date on which you must start repaying the loans. Stafford loans provide a six month grace period.

Use a process to pay off your student loans paid off. Begin by ensuring you can pay off on each of your loans. Second, make extra payments on the loan whose interest rate is highest, not the one with the highest balance. This will make things cheaper for you wind up paying.

Pick the payment option that works best for you. Many student loans offer 10-year payment plans. There are other choices available if this is not preferable for you. The longer you wait, the more interest you will pay. You might even only have to pay a certain percentage of what you earn once you finally do start making money. Some balances pertaining to student loans get forgiven about 25 years later.

Focus on the high interest loans.If you base your payment on which loans are the lowest or highest, there’s a chance you’ll be owing more at the end.

Choose payment options that best serve you. Most loans have a 10-year repayment plan. Other options may also be available if that doesn’t work out. For example, you may be able to take longer to pay; however, your interest will be higher. You might also be able to pay a percentage of your income once you begin making money. Sometimes student loans are forgiven after 25 years.

Stafford loans offer loam recipients six month grace period.Other types of loans can vary. Know when you will have to pay them back and pay them on your loan.

Stafford and Perkins are the best loan options. Generally, the payback is affordable and reasonable. With these, the interest is covered by the federal government until you graduate. Perkins loan interest rates are at 5 percent. On a subsidized Stafford loan, it will be a fixed rate of no larger than 6.8 percent.

Student Loans

If you don’t have very good credit and need a student loan, chances are that you’ll need a co-signer. It is very important that you keep up with all of your payments. If you get yourself into trouble, your co-signer will be in trouble as well.

TIP! If you apply for a private student loan and your credit is not that great, you are going to need someone to co-sign for you. It is critical that you make all your payments in a timely manner.

Prioritize your repayment of student loans by the interest rate. The loan with the most interest should be paid down fastest and first. Using any extra cash available can help pay off student loans more rapidly is a smart choice. There are no penalties for repaying sooner than expected.

PLUS loans are student loans that are available to graduate students and to parents. The interest rates on these are kept reasonable. This is higher than Stafford loans and Perkins loans, but it is better than rates for a private loan. This means that this is a suitable choice for students who are a bit older and better established.

TIP! PLUS loans are something that you should consider if graduate school is being funded. The highest the interest rate will go is 8.

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 will help reduce the amount of loans you have to borrow.

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 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.

Fill out your paperwork for student loans with great accuracy to facilitate quick processing. Incorrect and incomplete loan information can result in having to delay your college education.

Talk to your lender if you want to gain insight on your loan. You must know all that you can about your loan, and this includes all requirements, possible penalties, etc. He or she may have useful information for you.

TIP! Keep the communication lines open with your student loan lender. You have to understand everything about the loan you owe and how you need to pay it back.

If you don’t have great credit, you are sure to need a co-signer. It is vital you keep up with all your payments. If you get yourself into trouble, the co-signer will be responsible for the payments.

Always know your repayment options. If you are worried about making ends meet after you leave school, consider asking for graduated payments. This ensures your starting payments aren’t huge and go up slowly.

Certain Lenders

Rather than depending only on your student loans during school, you should bring in extra money with a part time job. You may be able to pay for some things yourself, and you will have a little extra money to hang out with friends.

TIP! Find a job you can do on campus to help augment the income you get from student loans. You can have some extra spending money along with being able to repay your loan.

Your school could have motives of its own for recommending certain lenders. There are schools that allow certain lenders to utilize the use of their name by specific lenders. This is frequently not be in your best interest. The school could be receiving money because of payment if you agree to go with a certain lender. Make sure you grasp the subtleties of a particular loan prior to accepting it.

Know the ins and outs of the payback of the loan. Some loans give you grace periods or can be put into forbearance, and there are other options depending on your circumstance. You must know all your options and exactly what is expected of you. You have to know this stuff up front.

TIP! Make sure you fully understand the payback’s terms. Student loans give you some time before you must begin to pay them back, but there are also additional options that allow you to delay repayment even further.

Do not think that you from your student loans to get out of paying them. The Federal government has many ways to get the money. They can take this out of your income taxes at the end of the year.The government can also try to take up around 15 percent of the income you make. You could end up worse off in some cases.

To lower your need for loans, take lots of AP and double credit courses in high school. The grades in these classes and the AP test results can get rid of several classes and leave you with fewer hours you must pay for.

TIP! Take AP classes in high school to lessen your debt. These will count toward high school.

There is no denying that most students could not start college, much less graduate, without student loans. However, if you do not understand how best to use these loans, you can get in trouble quite easily. This material can put you in the best possible position.

To get more returns from student loans, try taking online classes along with classes in a college building. This can help you add more hours to full loads and easily schedule your assignments around a job and other classes. That way, you can get the most possible hours in each semester.

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