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

Top Header...
Advertisements:

Student Loans: Make It The Best It Can Be Today

Don’t worry if you can’t pay a student loan off because you don’t have a job or something bad has happened to you. A lot of times, if you can provide proof of financial hardship, lenders will let you to delay your payments. Just be mindful that doing so could make your interest rates rise.

Student loans are a gateway to higher education that is open when other routes are not. The advice below can assist you make wise decisions about your educational future.

Be mindful of the exact length of your grace period between graduation and having to start loan repayments. For Stafford loans, you should have six months. If you have Perkins loans, you will have 9 months. The amount you are allowed will vary between lenders. Be sure you know exactly when you will be expected to begin paying, and don’t be late!

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

Know how long of grace period is in effect before you must begin to make payments on the loan. This generally means the period after graduation where the payments are now due. Knowing this is over will allow you to know when to pay your payments are made on time so you don’t have a bunch of penalties to take care of.

Figure out what will work best for your situation. A lot of student loans give you ten years to pay it back. Other options are likely to be open to you if this option does not suit your needs. For example, you may be able to take longer to pay; however, your interest will be higher. You might even only have to pay a certain percentage of what you earn once you finally do start making money. A lot of student loans will be forgiven after you’ve let twenty five years go by.

TIP! Which payment option is your best bet? Many student loans offer 10-year payment plans. Other options are likely to be open to you if this option does not suit your needs.

Always keep in touch with your lenders. Make sure they know if your current address and phone number. You need to act right away if information is required. You can end up spending more money otherwise.

Pay off your different student loans in terms of their individual interest rates. It’s a good idea to pay back the loan that has the biggest interest rate before paying off the others. Anytime you have extra cash, apply it toward your student loans. There are no penalties for paying off a loan faster.

TIP! When the time comes to repay student loans, pay them off based on their interest rate. Go after high interest rates before anything else.

Don’t panic if you can’t make a student loan off because you don’t have a job or something bad has happened to you. Most lenders can work with you if you are able to document your current hardship. Just know that taking advantage of this option often entails a hike in your interest rates may rise.

Pay off larger loans as soon as possible. If you don’t owe that much, you’ll pay less interest. Pay off the largest loans first. Once you pay off a large loan, use the money allotted to it to pay off the one that is the next largest. When you make minimum payments on each loan and apply extra money to your biggest loan, you get rid of the debts from your student loans systematically.

TIP! Lower your principal amounts by repaying high interest loans first. The less principal that is owed, the less you’ll have to pay in interest.

Focus on the high interest rates. If you solely base your repayment by which ones have a lower or higher balance, you may pay more interest that you have to.

A lot of people apply for a student loan and sign things without having knowledge of what they’re doing. It is vital that you understand everything clearly before agreeing to the loan terms. Don’t let the lender take advantage of you.

Student Loans

Be sure to fill out your loan applications neatly and properly to avoid any delays in processing. Giving incorrect information can cause the process to be delayed, resulting in having to start school later.

TIP! Your student loan application must be filled out correctly in order to be processed as soon as possible. Your application may be delayed or even denied if you give incorrect or incomplete information.

Prioritize your repayment of student loans by interest rate of each one. The loan with the largest interest rate needs paid down fastest and first. Using the extra money you have can help pay off student loans faster. There will be no penalty for repaying sooner than expected.

The Stafford and Perkins loans are good federal loans. These two are considered the safest and most affordable. The are idea, because the government shoulders the interest payments while you remain in school. The Perkins loan has an interest rate of 5%. Subsidized Stafford loans have an interest rate cap of 6.8%.

Many people apply for their student loans without reading what they are getting into. This is one way that lenders use to get more payments than they should.

Keep in mind that your institution of learning may have ulterior motives for steering you toward specific lenders. There are institutions that actually allow the use of their name by specific lenders. This can be misleading. The school could benefit if you go with particular lenders. Make sure you know all the details of any loan before signing on the dotted line.

TIP! Your school might have motivations of its own when it comes to recommending certain lenders. Certain schools let private lenders use the name of the school.

Be sure to fill out your student loan applications neatly and properly to avoid any delays in processing. Incorrect and incomplete information gums up the works and causes delays to your college education.

Get rid of the notion that by defaulting on a loan it will get you out of debt. The government will often still get its money back anyway. For instance, you might see money withheld from Social Security payments or even your taxes. They can also claim up to fifteen percent of your income that is disposable. There’s a huge chance that you could be worse than you were prior.

TIP! Wipe away the thoughts about not paying back your student loans and thinking the problem will just go away. There are several ways the government can get their money.

Stafford and Perkins loans are the best that you can get. These are considered the safest and are safe to get. This is a good deal that you may want to consider. The Perkins loan interest rate of 5%. The Stafford loans are subsidized and offer a rate of 6.8 percent.

Make sure that you try to get scholarships when you go to college. Be sure to save up as much money as possible, and take advantage of grants and scholarships too. There are several great websites that offer information about available grants and scholarships. To prepare yourself, start this search as quickly as you can.

TIP! Don’t think that student loans should be depended on totally. You should save money and look for grants and scholarships too.

If your credit is sub-par, you might need a cosigner. It is vital you make all your payments. If not, then your co-signer will not be happy because they are just as responsible for these payments as you are.

When filling out the student loan paperwork, it is very important that you check it for accuracy. This is something to be careful with because you may get less of a student loan if something is wrong. If you have lingering doubts about the accuracy of the information you have provided, seek the insight of your school’s financial aid representatives.

Stafford Loans

In order to maximize your student loan, try not to overspend by buying meal plans which offer per year, not a 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.

TIP! A great way to stretch out your student loan money is by getting a meal plan, rather than one where you pay for each individual meal. This enables you to pay one flat price for every meal you eat, and not be charged for extra things in the cafeteria.

PLUS loans are something that is available only to parents and graduate school is being funded. The highest the interest rate on these loans will never exceed 8.5% This is a bit higher than Perkins and Stafford loans, though higher that those of Perkins or Stafford loans. This loan option for more established students.

Try finding a job you can do on campus to help augment income you receive from student loans. This allows you to offset some of your expenses without a loan, and it can give you some spending money as well.

TIP! Get an on-campus to help you make ends meet. This can offset your expenses somewhat and also give you some spending money.

Be wary of private loans. It can be hard to find out the terms are exactly. You may not even know them until you’ve signed the document. Get all the information you can.

If you have a large balance on student loans, don’t panic. This amount may seem large at first glance, but it’s repaid gradually over time. If you are diligent with your money, you can pay off the loans you have accrued.

TIP! Try not to panic when you are faced with a large balance to pay back with a student loan. It looks big at first, but you will be able to whittle away at it.

Do not simply apply for loans in order to fund your entire education. Save money up in advance and do not forget to apply for scholarships. There are a number of good scholarship matching websites that offer information about available grants and scholarships. Be sure you start to search soon as possible in order to be prepared.

If you cannot make your payment, get in touch with your lender immediately. The financial place is going to be likely to help you work with keeping an account as current as possible if you take the steps to contact them. Perhaps you will qualify for deferral or a reduction of payments.

TIP! Anytime that you feel that you can’t make your monthly payment on your student loan, let the loan lender know immediately. You will find they are likely willing to work together with you so you can stay current.

Double check all applications for mistakes before you submit it. This is important because any mistakes could affect how much aid you are offered. Ask for help from an adviser if you are uncertain.

Be sure to stay in touch with lenders when you are in college and when you are done with it. Always update them with changes to your personal information. That way, you can be contacted as soon as possible if the lender is making any changes to your account. Finally, it is important to notify the lender if you withdraw, transfer or graduate from college.

TIP! It is important that you keep in touch with your lending institution when in school and also when you graduate. Make sure they are updated in regard to your contact info.

Get a meal plan at school to make the long run. This allows you to not worry about what’s on your plate each time you eat because each meal is a flat fee for every meal.

Look at all choices for paying off your student loans on time. You must always make timely payments so that you keep a high credit score and avoid garnishments. In the event that meeting your monthly obligations is overwhelming, consider loan consolidation as a viable option.

TIP! Look at all choices for paying off your student loans on time. You do not want to harm your credit or have your wages garnished due to unpaid loans.

Make sure you understand your repayments requirements. If paying back the loan will be an issue once you complete school, try to get a graduated repayment plan. This makes it so that your initial payments will be small and will gradually increase as your earning potential rises.

Begin your search with federal loans. Federal loans offer a number of benefits, including fixed interest rates. You don’t risk any new surprises from month to month with student loans featuring fixed rates. When you know exactly how much you have to pay each month, you can plan your budget better.

Try finding a part-time job to make money on the side. This will assist your expenses somewhat and also give you some spending money.

Consider a private loan to finance your college degree. Never simply take the first offer. Prior to making your decision, do comparison shopping to find the best terms.

You are much more likely willing to work together with you so you can stay current. You may be offered a deferral or deferral.

Tuition.io can help you keep your loans in order. This website assists with the organization of your loans and repayment. It tracks your lenders and organizes your records. Furthermore, the site notifies you if there are any changes to your loans.

TIP! Join Tuition.io for help with your loan debt.

Check out all the options available to your choices that you can use to pay off your student loans. Pay on time to keep your credit doesn’t suffer.If multiple payments are too difficult, you might consider consolidation options.

Talk with your financial aid adviser before applying for the loan. This will give you more time to consider your options and look more sources of financial aid. If you procrastinate, you will end up taking a loan out of desperation.

TIP! Talk to the college’s financial aid officer before classes begin. This will give you more time to consider your options and look more sources of financial aid.

There is no denying that most students could not start college, much less graduate, without student loans. If you don’t educate yourself about loans, it can lead to financial ruin. Use the above material as a resource so that you can stay on track.

If you feel you might have a problem making a student loan payment that’s due, notify your lender right away. Lenders will help you work out solutions so you can continue making payments. Particularly if you have a history of paying on time, the lender may not subject you to a late fee.

Copyright 2016-18. iMarket Coaching. All rights reserved.