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 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: The Experts Share Their Priceless Insider Information

Verify the length of the grace specified in the loan. This is the amount of time you are allowed after graduation before you loan becomes due. Staying aware of when this period ends is the right way to make sure you never have late payments.

TIP! Understand the grace period of your loan. This is the amount of time you are allowed after graduation before you loan becomes due.

Going to school today can be very expensive due to the high costs. A high-quality school can cost you quite a bit.What are you supposed to do if you do not have the money needed to attend school? This is the place where you might consider a student loan. Here there are some suggestions to help you understand how they work.

When paying off student loans, do it using a two-step process. Always pay on each of them at least the minimum. Pay extra on the loan with the highest interest rate. That will save you money.

TIP! Implement a two-step system to repay the student loans. First, always make minimum payments each month.

Stay in contact with your lending institution. Make sure you update them with your current address and phone number. You need to act immediately if information is required. Missing an important piece of mail can end up costing a lot more money.

If you want to pay down student loans faster than scheduled, start with the highest interest rate loans first. If your payment is based on what loans are the highest or lowest, there’s a chance you’ll be owing more at the end.

TIP! If you are thinking about paying off any of your student loans ahead of schedule, you should focus on the ones that have the highest interest. If you focus on balances instead, you might neglect how much interest you accrue over time, still costing you money.

Don’t forgo private loans for financing a college education. There is quite a demand for this as public student loans even if they are widely available. 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 loam recipients six months. For Perkins loans, you’ll have a nine month grace period. Other student loans’ grace periods vary. Know when you are expected to pay them back, and make your payments on time!

TIP! Check the grace period of your student loan. Stafford loans offer six months of grace period.

Don’t be driven to fear when you struggle to pay your loans. Unemployment and health problem can happen to you from time to time. There are forbearance and deferments for most loans. Just know that the interest will build up in some options, so at least consider making interest only payments to keep balances from rising.

Select a payment plan that works for your needs. Many student loans offer 10-year payment plans. Check out all of the other options that are available to you. For instance, you might be able to get a longer repayment term, but you will pay more in interest. You may be able to make your payments based on percentage of your income after you get a job. Some loans are forgiven in 25 years.

TIP! Choose the payment option that is best suited to your needs. A lot of student loans give you ten years to pay it back.

Focus initially on the high interest rates. If you solely base your repayment by which ones have a lower or higher balance, it can cost you extra in the end.

Pay off student loans in interest-descending order. The loan with the individual highest rate needs paid down fastest and first. Then utilize the extra cash to pay off the other loans. Speeding up repayment will not penalize you.

TIP! Tackle your student loans according to which one charges you the greatest interest. Try to pay the highest interest loans to begin with.

Choose the payment options that fit your financial circumstances. Many student loans offer 10 year payment plan. There are other ways to go if this doesn’t work. For example, you can take a longer period to pay, but you will end up paying more in interest. You may negotiate to pay just a set percentage of your income once you begin to earn. Certain types of student loan balances just get simply forgiven after a period of twenty-five years.

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. Stay focused on paying the bigger loans first. After you have paid off your largest loan, continue making those same payments on the next loan in line. Pay off the minimums on small loans and a large amount on the big ones.

Largest Loans

The Perkins Loan and the Stafford Loan are both well known in college circles. They are both reliable, safe and affordable. They are a great deal because the government pays the interest on them during the entirety of your education. The Perkins loan carries an interest rate of 5%. On the subsidized Stafford loan, it’s fixed at no higher than 6.8%.

TIP! The best loans that are federal would be the Perkins or the Stafford loans. Many students decide to go with one or both of them.

Reduce the principal by paying off your largest loans as quickly as possible. Focus on paying the largest loans up front. After the largest loan is paid, continue making those same payments on the next loan in line. By making minimum payments on all of your loans and the largest payment possible on your largest loan, you will more quickly rid yourself of debt.

A co-signer may be necessary if you get a private loan. You must be current on your payments. If you miss a payment, you will saddle your co-signer with the debt.

TIP! Applying for a private loan with substandard credit is often going to require a co-signer. It is very important that you keep up with all of your payments.

The idea of paying off a student loan payments can seem daunting for someone on a tight budget. There are rewards programs that can help with payments. Look at programs like SmarterBucks and LoanLink to learn about this kind of program offered by Upromise.

Be sure to double check all forms that you fill out. This will impact the types of student loans that are offered to you. If you have lingering doubts about the accuracy of the information you have provided, seek the insight of your school’s financial aid representatives.

TIP! Be sure to fill out your applications for financial aid accurately. A mistake may result in you getting less money than you had hoped for.

Get the maximum bang for the buck on your student loans by taking as many credit hours each semester as you can. Full-time is considered 9 to 12 hours per semester, so getting between 15 and 18 can help you graduate sooner.This will decrease the loan amounts you have to accrue.

You can save money by purchasing a meal plan from the college cafeteria. The best way to do this is to pay for meals rather than a specific dollar amount. That way, you won’t be overpaying for extra items in the cafeteria. You will just pay a flat fee for every meal.

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. Rather than paying for costly meals each time you sit down to eat, you pay one flat fee that covers everything.

You should now understand that the world of student loans isn’t that hard to navigate. Use these tips to help you out along the way. Apply the guidance as you go about applying for the loans you need.

Figure out what you have as repayment options. If you anticipate financial constraints immediately following graduation, think about a loan with graduated payments. Your payments increase over a period of time, hopefully like your income.

February 8, 2019
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