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: May 12, 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 that there’s likely a grace period built into having to pay back any loan. Typically this is the case between when you graduate and a loan payment start date. You can get a head start in making timely payments by knowing what your grace period is.

Student loans are a necessity for the vast majority of students. Read on to learn all you can avoid being taken advantage of when seeking financing for your education.

Maintain contact with your lender. Keep them updated on any change of personal information. When your lender send you information, either through snail mail or e mail, read it that day. Take whatever actions are necessary as soon as you can. Overlooking things can end up being very expensive.

TIP! Maintain contact with your lender. Make sure you let them know if your contact information changes.

Know how long of grace periods your loans offer.This is typically a six to nine month period of time after your graduation where the payments are now due. Knowing this is over will allow you to know when to pay your payments on time so you can avoid penalties.

Don’t fret when extenuating circumstances prevent you from making a payment. Many times a lender will allow the payments to be pushed back if you make them aware of the issue in your life. Your interest may increase if you do this.

TIP! Do not worry if you are unable to make a student loan payment because you lost your job or some other unfortunate circumstance has occurred. Many lenders give you a grace period if you are able to prove that you are having difficulties.

Stay in communication with your lender. Make sure they know your personal information if it changes. Take the actions needed as soon as possible. Missing anything in your paperwork can cost you owe a lot more money.

Private financing is something that you may want to consider. Because public loans are so widely available, there’s a lot of competition. There’s much less competition for private student loans, with small pockets of money sitting around untapped from lack of attention. Speak with people in your local area to find these types of loans, which at the very least can cover some of your expenses.

TIP! Private financing is one choice for paying for school. Public loans are great, but you might need more.

Don’t fret when extenuating circumstances prevent you from making a student loan off because you don’t have a job or something bad has happened to you. Most lenders have options for letting you put off payments if you lose your job. Just keep in mind that doing this may raise the interest rate on your loan.

Do not panic when you are faced with paying back student loans. You could lose a job or become ill. Remember that forbearance and deferment options are widely available on a lot of loans. Still, remember that your interest will have to be paid back, so try and pay what you can, when you can.

Student Loans

Utilize a methodical process to repay loans. Begin by figuring out how much money you can pay off on these student loans. Second, if you have any extra money, use it to make extra payments on the loan that bears the higher interest rate rather than the one that bears the highest balance. This will reduce how much money spent over time.

TIP! Work hard to make certain that you get your loans taken care of quickly. First you need to be sure that you know what the minimum payments for the loans will be each month.

Don’t eschew private student loans for college. There is quite a demand for this as public student loans even if they are widely available. Explore any options in your community.

Pick the payment option that works best for you. A lot of student loans give you ten years to pay it back. If this won’t work for you, there may be other options available. For example, you might be given a longer time to pay. Keep in mind that this option comes with higher interest. You can put some money towards that debt every month. It may be the case that your loan is forgiven after a certain amount of time, as well.

TIP! Select a payment option that works well for your particular situation. The majority of student loans have ten year periods for loan repayment.

Don’t be driven to fear when you aren’t able to make a loan repayments. Job losses and health crises are bound to pop up at one point or another. There are forbearance and deferments for such hardships. Just be mindful that interest continues to accrue in many options, so try to at least make payments on the interest to keep the balances from increasing.

Tackle your student loans according to which one charges you the greatest interest. The loan with the most interest should be paid off first. Using any extra cash available can help pay off student loans faster. There are no penalties for early payments.

TIP! Prioritize your loan repayment schedule by interest rate. You should always focus on the higher interest rates first.

Use a two-step process that’s two steps to get your student loans. Begin by ensuring you can pay the minimum payments on these student loans. Second, pay anything extra to the loan with the highest interest rate, and not just the largest balance. This will make it to where you spend less money over the long term.

Reduce your total principle by paying off your largest loans as quickly as possible. It should always be a top priority to prevent the accrual of additional interest charges. Make a concerted effort to pay off all large loans more quickly. After paying off the biggest loan, use those payments to pay off the next highest one. By making minimum payments on all of your loans and the largest payment possible on your largest loan, you will systematically eliminate your student loan debt.

TIP! Pay the largest of your debts first. It should always be a top priority to prevent the accrual of additional interest charges.

Many people will apply for their student loans without really understanding what they are getting into. This is one way for a lender to get more money than they are supposed to.

It may be frightening to consider adding student loans to your bills if your money is already tight. A loan rewards program may help with this circumstance. Two such programs are SmarterBucks and LoanLink. These work like cash back programs, and the money you spend earns rewards that can be applied toward your loan.

TIP! The prospect of having to pay a student loan every month can be hard for people that are on hard budget already. You can make things a bit easier with help from loan rewards programs.

Stafford and Perkins loans are the best loan options. These are considered the safest and the safest. This is a good deal that you are in school your interest will be paid by the government. The interest for a Perkins loan is 5 percent. The Stafford loan has an interest rate that does not exceed 6.8%.

Take the maximum number of credit hours you can in your schedule to maximize the use of your loans. You will graduate more quickly if you get to 15 or 18 hours each semester rather than 9 or 12. This will help reduce how much you have to borrow.

TIP! Take the maximum number of credit hours you can in your schedule to maximize the use of your loans. While 9 to 12 hours each semester is full time, you may be able to get 15 to 18 which can help you to graduate faster.

PLUS loans are something that you should consider if graduate students and to parents. They bear an interest rate of 8.5 percent. This is a bit higher than Perkins and Stafford loan, but is lower than private lenders offer. This makes it a good option for your situation.

It is easy to simply sign for a student loan without paying attention to the fine print. Ask questions so that you are completely aware. Otherwise, you may end up with more fees and interest payments than you realized.

TIP! Some people sign the paperwork for a student loan without clearly understanding everything involved. Don’t do this! Always understand what you are signing.

For so many people acquiring a student loan is what makes their dreams of attending school a reality, and without it, they would never be able to afford such a quality education. The key is learning everything you can about student loans before you need them. Using the information that has been told to you here should help simplify things.

Fill in all of the spaces on your application, otherwise, you may run into delays. Any information that is incorrect or incomplete can delay it being processed, potentially causing you to miss important deadlines and putting you behind in school.

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