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: March 20, 2019

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

Make sure you stay on top of applicable repayment grace periods. Typically this is the case between when you graduate and a loan payment start date. This will help you plan in advance.

Most people need help in order to pay for college on their education. A student loan will help finance the cost of a college education.

Know the specifics about your loan. You must watch your loan balances, check your repayment statuses, and know your lenders. These facts will determine your loan repayment and forgiveness options. This is necessary so you can budget.

TIP! Always figure out what the details of the loans you have out are. This will help you with your balance and repayment status.

Know how long of grace period is in effect before you must begin to make payments on the loan. This usually means the period of time after your graduation when the payments are due. Knowing this allows you to make sure your payments are made on time so you don’t have a bunch of penalties to take care of.

Stay in communication with all lenders. Tell them when anything changes, such as your phone number or address. Read all letters which you are sent and emails, too. If any requests are made or important stipulations are shared with you, act on them right away. You may end up spending more money otherwise.

TIP! Make sure you are in regular contact with the lender. Always let them know anytime your personal information changes, because this happens quite a bit when you’re in college.

Make sure you are in close contact with the lender. Make sure they know if your current address and phone number. Make sure you take all actions quickly. Missing anything in your paperwork can cost you owe a lot more money.

If you have trouble repaying your loan, try and keep a clear head. Job loss and health crises are bound to pop up at one point or another. Do know that you have options like deferments and forbearance available in most loans. It’s important to note that the interest amount will keep compounding in many instances, so it’s a good idea to at least pay the interest so that the balance itself does not rise further.

Do not forget about private sources of funds for college. There is quite a demand for this as public loans. Explore the options within your community.

Your loans are not due to be paid back until your schooling is complete. Make sure that you find out the repayment grace period you are offered from the lender. Stafford loans offer a period of six months. A Perkins loan gives you a nine month grace period. For other loans, the terms vary. Make sure you know how long those grace periods are, and never pay late.

TIP! Know how much time your grace period is between graduating and when you need to start paying back loans. For Stafford loans, the period is six months.

Don’t get too stressed out if you have a slight hiccup when you’re repaying your loans. Unemployment or a health emergencies can happen to you from time to time.Do be aware of your deferment and forbearance available in most loans. Just remember that interest is always growing, so try to at least make payments on the interest to keep the balances from increasing.

Identify and specifically choose payment options that are suited to your personal circumstances. Ten year plans are generally the default. If that isn’t feasible, there could be alternatives. Understand if you choose a longer repayment period you will end up having to pay more in interest. You may also have the option of paying a certain percentage of your future earnings. Some balances on student loans are forgiven when twenty-five years have passed.

Higher Interest Rate

Choose a payment option based on your circumstances. Most student loans allow for repayment over ten years. If this is not ideal for you, then there are other choices out there to explore. As an example, it may be possible to extend your payment time, but typically that’ll include a higher interest rate. Another option some lenders will accept is if you allow them a certain percentage of your weekly wages. On occasion, some lenders will forgive loans that have gone unpaid for decades.

TIP! Make sure your payment option fits your specific situation. A lot of student loans give you ten years to repay.

Use a two-step process that’s two steps to get your student loans paid off. Begin by figuring out how much money you can pay the minimum payments on each of your loans. Second, you will want to pay a little extra on the loan that has the higher interest rate, 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 a period of time.

When paying off your student loans, try paying them off in order of their interest rates. The highest rate loan should be paid first. By concentrating on high interest loans first, you can get them paid off quickly. Speeding up repayment will not penalize you.

TIP! Prioritize your repayment of student loans by the interest rate of each one. Pay off the one with the highest interest rate first.

Focus initially on the high interest rates. If you solely base your repayment by which ones have a lower or higher balance, you could end up paying more than you need to.

You should try to pay off the largest loans first. That means you will generally end up paying less interest. Therefore, target your large loans. After the largest loan is paid, apply the amount of payments to the second largest one. Making these payments will help you to reduce your debt.

TIP! If you have a large loan, try to bring down the amount as soon as you can. This will reduce the principal.

Pay off your different student loans in order of interest rates. The one carrying the highest APR should be paid first. Using the extra cash available can help pay off student loans faster. There is no penalties for paying off your loans early.

Anyone on a budget may struggle with a loan. Rewards programs can help. Upromise offers many great options. They will make small payments towards your loans when you use them.

TIP! Monthly student loans can seen intimidating for people on tight budgets already. Rewards programs can help.

Reduce the principal by paying off your largest loans first. Focus on paying the big loans off first.After the largest loan is paid, you can transfer your payments to the second largest one. When you make minimum payments on each loan and apply extra money to your biggest loan, you have have a system in paying of your student debt.

Stafford and Perkins loans are the most advantageous federal loans to get. These are the most affordable and the safest. It ends up being a very good deal, because the federal government ends up paying the interest while you attend school. Perkins loan interest rates are at 5 percent. On Stafford loans that are subsidized, the loan will be fixed and no larger than 6.8%.

Interest Rate

Double check your application for mistakes before you submit it. A mistake may result in you getting less money than you had hoped for. If you’re unsure, go to your school’s financial aid representative.

TIP! Do not make errors on your aid application. This is something to be careful with because you may get less of a student loan if something is wrong.

Stafford and Perkins loans are two of the best loan options. These are both safe and safety. 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 is 5%. The subsidized Stafford loan only has an interest rate that does not exceed 6.8%.

Get an on-campus to help you make ends meet. That way some of your education’s expenses can be offset with something else besides a loan, plus you can have some extra money.

TIP! Look for a part-time job. This is a great idea because you have additional money coming in that can help supplement the money coming in from the student loan, and help pay some expenses.

If your credit is abysmal and you’re applying for a student loan, you will most likely need a co-signer. It is very important that you make all of your payments. If you can’t pay, the person who co-signed is equally responsible for your debt.

When you first see the amount that you owe on your student loans, you may feel like panicking. This may seem overwhelming; however, you can gradually pay it back. If you find a job and save your money, you can pay back your loan little by little.

TIP! Do not be overcome with concern if your student loan balance seems insurmountable. This may seem overwhelming; however, you can gradually pay it back.

PLUS loans are something that is available only to parents and graduate students. The interest rate will go is 8.5%. This costs more than Perkins or Stafford loans, but the rates are better for private loans. This is often a great choice for more established students.

Make certain you are fully aware of your repayment terms. Some loans have grace periods or offer other options for unusual circumstances. You must know all your options and exactly what is expected of you. You should find out this information before you sign anything.

TIP! The payback terms are crucial to understand. Certain loans are known for having a grace period, and some have forbearance and other repayment options.

Never depend totally on student loans in order to pay for your schooling. Save money up in advance and do not forget to apply for scholarships. There are lots of good scholarship matching websites that can help you locate just the right grants and scholarships to suit your needs. Start your search early so you’re best information and assistance.

If you realize that you can’t make a payment, be sure to let your lender know as soon as you can. You are much more likely to have the financial institution work to help you if you show good faith. You may qualify for reduced costs or deferral.

TIP! Anytime that you feel that you can’t make your monthly payment on your student loan, let the loan lender know immediately. If you give them a heads up ahead of time, they’re more likely to be lenient with you.

Student loans can make college a lot more affordable for many people, but you do have to pay them back. You can’t borrow for today without thinking about tomorrow. Use what you’ve just learned to get a student loan with the best terms.

Be sure to stay in touch with lenders when you are in college and when you are done with it. Be sure to contact them with any changes to your name, address, email and phone number. This makes sure that you know any changes that are made involving your lender information or terms. You need to let them know if your enrollment status changes.

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