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

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Student Loans: If You Are Looking To Succeed, Start With This Article

Know your loan details inside and out. You need to be able to track your balance, know who you owe, and what your repayment status is. These details all affect loan forgiveness and repayment options. Budgeting is only possible with this knowledge.

TIP! Always be aware of what all the requirements are for any student loan you take out. You should always know how much you owe and to whom.

Student loans make it possible for people get an education while going to a school they want but wouldn’t have the money to achieve. This article will tell you need. Read on to find out how to get a student loan to help secure yourself a top-notch education!

Stay in touch with your lending institution. Always update them anytime your address, email or phone number changes, which can happen a lot during college. Read all mail you get from lenders. Take action right away. You can end up spending more money than necessary if you miss anything.

TIP! Maintain contact with your lender. Make sure your records are updated, such as your phone number and address.

Know what kind of grace period is in effect before you must begin to make payments on the loan. This usually means the period after graduation when the payments are due. Knowing when this is over will allow you to make sure your payments on time so you can avoid penalties.

Don’t be scared if something happens that causes you to miss payments on your student loans. Generally speaking, you will be able to get help from your lender in cases of hardship. Make sure you realize that going this route may result in increased interest.

TIP! Do not panic if a job loss or other emergency makes paying your student loan difficult. Most lenders can work with you if you lose your job.

Keep in close touch with the lender. Make sure you update them with your current address and phone number. Do whatever you need to as quickly as you can. You may end up spending more money than necessary if you miss anything.

Private financing could be a wise idea. Public student loans are highly sought after. Private loans are easy to get and there are many options. Ask locally to see if such loans are available.

TIP! Think about getting a private loan. Even though there are plenty of student loans publically available, you are faced with more people trying to secure them.

Prioritize your loan repayment of student loans by interest rate of each one. The loan should be paid first. Using any extra cash available can help pay off quicker later on. There is no penalties for paying off a loan more quickly than warranted by the lender.

Work hard to make certain that you get your loans taken care of quickly. The first thing you need to do is be certain that you are making the minimum required monthly payment on each loan. Second, you will want to pay a little extra on the loan that has the higher interest rate, and not just the largest balance. It’ll help limit your spend over a given time.

TIP! Utilize a methodical process to repay loans. First, always make minimum payments each month.

Pay off your biggest loan to reduce your total debt. Focus on paying the big loans up front. After you’ve paid off a large loan, continue making those same payments on the next loan in line. By keeping all current and paying the largest down totally first, you’ll be able to slowly get rid of the debt you owe to the student loan company.

Focus initially on the high interest loans. Repaying based on balance size could actually cause you to pay more in interest than you otherwise would have.

TIP! If you’re considering repaying any student loan ahead of time, focus on those with the largest interest. If you pay off the wrong loans first, you could end up paying more than you need to.

The prospect of monthly student loan payments can be somewhat daunting for someone on hard budget already. There are loan rewards opportunities that can help people out. Look at websites such as SmarterBucks and LoanLink via Upromise.

Choose payment options that best serve you. Most student loans have a ten year plan for repayment. If this isn’t possible, then look around for additional options. You could extend the payment duration, but you’ll end up paying more. You may negotiate to pay just a set percentage of the money you begin to earn. Some student loans are forgiven once twenty five years have gone by.

Many people apply for their student loans without reading what they are signing. This is one way a lender may collect more than they should.

The prospect of monthly student loan payments can be somewhat daunting for someone on an already tight budget. You can make things a bit easier with help from loan rewards programs. For instance, look into SmarterBucks and LoanLink, products of Upromise. These are essentially programs that give you cash back and applies money to your loan balance.

Fill out paperwork for faster processing. Incorrect or incomplete loan information gums up the works and causes delays to your college education.

To get a lot out of getting a student loan, get a bunch of credit hours. Sure a full time status might mean 12 credits, but if you can take 15 or 18 you’ll graduate all the quicker. In the grand course of time, you will end up taking out fewer loans.

TIP! Take a large amount of credit hours to maximize your loan. Full-time status is usually 9-12 hours per semester, so getting between 15 and 18 can help you graduate sooner.

Stafford and Perkins are the best federal student loan options. These are highest in affordability and are safe to get. This is a great deal because while you are in school your interest will be paid by the government. The Perkins Loan has an interest rate of 5%. The Stafford loans which are subsidized come at a fixed rate which is not exceed 6.8%.

To make sure your student loan application goes smoothly, make sure the information you include is accurate. 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.

Student Loan

The Perkins loan and the Stafford loan are the most desirable federal programs. These are both safe and affordable. They are great because while you are in school, your interest is paid by the government. Perkins loan interest rates are at 5 percent. Stafford loans offer interest rates that don’t go above 6.8%.

TIP! The Stafford and Perkins loans are the best options in federal loans. Generally, the payback is affordable and reasonable.

As you can now see, it is possible to get a great education with the help of a student loan. Now that the tips above are something you’ve gone over, it shouldn’t be too hard to get a loan to meet your needs. Take all the information learned here, use it to your advantage as you wisely prepare your student loan paperwork.

Don’t rush into taking a private student loan. Finding exact terms is difficult. Often, you don’t know until you have already signed on the dotted line. At this point, it may be very difficult to extricate yourself. Try to get every bit of information you can obtain. Compare an offer with those given by other lenders to find out who offers the best rates.

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