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: August 25, 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: Its Time To Gain Knowledge On This Topic

Economy

Know what kind of grace periods your loans offer. The grace period is the amount of time between your graduation date and date on which you must make your first loan payment. You can use this time to start saving up for some initial payments, getting you ready to avoid any penalties.

TIP! Verify the length of the grace specified in the loan. Typically this is the case between when you graduate and a loan payment start date.

A student loan might prove a necessity at one point in their life. Maybe now is when you must do this, or you are preparing for the future. No matter when, having extensive knowledge of the loan process will be very helpful. These tips will help you learn more about student loan knowledge.

Know your loan details inside and out. Know your loan balance, your lender and the repayment plan on each loan. This helps when it comes to payment plans and forgiveness options. This also helps when knowing how prepare yourself when it comes time to pay the money back.

TIP! Be sure you understand the fine print of your student loans. You need to be able to track your balance, know who you owe, and what your repayment status is.

Be sure you understand the fine print of all loans.You need to know how much you owe, your lenders and the repayment status in which you find yourself at any given time. These details all have a big impact on any loan forgiveness or repayment options. This is must-have information if you are to budget effectively.

Stay in touch with the lender. Make sure they know your current address and phone number. Read all mail you get from lenders. Take any requested actions as soon as you can. Failure to miss anything can cost you a lot of money.

TIP! Always stay in contact with your lender. Make sure they always know your address, phone number and email, all of which can change often during your college experience.

Keep in touch with the lender. Make sure you update them with your current address and phone number. You must act right away if a payment is needed or other information is required. Missing anything in your paperwork can cost you owe a lot more money.

If an issue arises, don’t worry. Health emergencies and unemployment are likely to happen sooner or later. Make sure you are aware of the specific terms that apply to such circumstances, such as deferments or forbearance, which are part of most loan programs. But bear in mind that interest will still accrue, so consider making whatever payments you can to keep the balance in check.

TIP! Never panic when you hit a bump in the road when repaying loans. There is always something that pops up in a persons life that causes them to divert money elsewhere.

Focus initially on paying off student loans with high interest rates. If you base your payment on which loans are the lowest or highest, then you might actually end up paying back more in the end.

There are two main steps to paying off student loans. Always pay the minimum balance due. Next concentrate on paying the largest interest rate loan off first. This will reduce your spending in the future.

TIP! When paying off your loans, go about it in a certain way. Always pay on each of them at least the minimum.

Stafford loans offer a period of six month grace period. Other kinds of loans may vary. Know when you will have to pay them back and pay them on your loan.

If you are considering paying off a student loan early, start with the loans with high interest rates. If you base your payment on which loans are the lowest or highest, there is a chance that you will end up owing more money in the end.

Student Loans

Pay attention to how long the grace period is after your graduation before you student loan has to be repaid. Stafford loans offer a period of six months. Perkins loans give you nine months. Other types can vary. Know when you will have to pay them back and pay them on time.

TIP! Know how much time your grace period is between graduating and when you need to start paying back loans. Stafford loans usually have one half year before the payments have to be made.

Select the payment plan that is best for your particular situation. Many student loans come with a decade-long payment term. There are many other options if this is not preferable for you. You might be able to extend the plan with a greater interest rates. You might also be able to pay a certain percentage of income once you begin making money. Some student loans get forgiven about 25 years later.

Select the payment arrangement that is best for you. Most student loan companies allow the borrower ten years to pay them back. If this won’t work for you, there may be other options available. The longer you wait, the more interest you will pay. Also, paying a percent of your wages, once you start making money, may be something you can do. Some student loans offer loan forgiveness after a period of 25 years has elapsed.

TIP! Choose your payment option wisely. Many student loans come with a 10-year plan for repayment.

Choose a payment option for you. Many of these loans will offer a 10 year repayment plan. There are other ways to go if this doesn’t work. For instance, you can possibly spread your payments over a longer period of time, but you will end up paying more in interest. You may also be able to pay a percentage of your income once you are bringing in money. Certain student loan balances just get simply forgiven after a period of twenty-five years.

If you have a large loan, try to bring down the amount as soon as you can. This will reduce the principal. You won’t have to pay as much interest if you lower the principal amount. Pay those big loans first. Once you pay off one big loan, transfer the payments amounts to the loans with the next highest balances. This will help you decrease your debt as fast as possible.

TIP! Pay off big loans with higher interest rates first. When you owe less principal, it means that your interest amount owed will be less, too.

Get the maximum bang for the buck on your student loans by taking as many credit hours each semester.Full-time status is usually 9-12 hours per semester, take a few more to finish school sooner. This will assist you minimizing your loan totals.

Take a large amount of credit hours to maximize your loan. 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. This helps you keep to aminimum the amount of loan money you need.

TIP! To maximize the value of your loans, make sure to take the most credits possible. You may be able to scrape by with 12 hours, but try to at least carry 15 per semester.

Stafford and Perkins are the best federal student loan options. They are cheap and most economical.This is a good deal that you are in school your interest will be paid by the government. The Perkins loan interest rate of five percent. The Stafford loans which are subsidized and offer a fixed rate which is not more than 6.8%.

Many people get student loans without reading the fine print. Ask questions so you can clear up any concerns you have. This is an easy way for a lender to get more money than they are supposed to.

TIP! Far too often people will rush into signing the student loan paperwork without carefully analyzing the terms and conditions of the loan. Always ask any questions that come up or if you need anything clarified.

If you get a student loan that’s privately funded and you don’t have good credit, you are sure to need a co-signer. It is very important that you keep up with all of your payments in a timely manner. If not, your co-signer is liable for those debts.

Two of the most popular school loans are the Perkins loan and the often mentioned Stafford loan. These are both safe and affordable. These are good loans because the government pays the interest while you are still in school. The Perkins loan interest rate is 5%. Subsidized Stafford loans have a fixed rate of no more than 6.8 percent.

TIP! The Perkins Loan and the Stafford Loan are both well known in college circles. These are the most affordable and the safest.

In conclusion, you may find yourself in need of a student loan, whether it’s now or years from now. The more you know about these loans, the easier it is to find the best one for your own needs. Make use of these tips whenever you need advice regarding student loans.

PLUS loans are a type of loan option for parents and graduate students. The PLUS loans have an interest rate below 8.5%. Although it is higher than Perkins and Stafford Loans, you still get a much better rate than one that is private. This means that this is a suitable choice for students who are a bit older and better established.

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