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: October 21, 2020

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 Fastest Way To Learn Is By Reading This Article

Make sure you stay on top of applicable repayment grace periods. This usually means the period of time after graduation where the payments are now due. Staying aware of when this period ends is the right way to make sure you never have late payments.

TIP! Watch for the grace period which is available to you before you are required to repay the loan. This usually refers to the amount of time you are allowed after you graduate before repayments is required.

Student loans are a controversial issue and should be thoroughly investigated before signing any documents. Learning everything possible about this type of debt is what you can complete your college education. Continue on and learn about student loans.

Always know all of the key details of any loan you have. You must watch your loan balances, check your repayment statuses, and know your lenders. These details can all have a big impact on any loan forgiveness or repayment options. To devise a good budget, you must factor all this in.

TIP! Always figure out what the details of the loans you have out are. You need to stay on top of your balances, your lenders and the repayment status in which you find yourself at any given time.

Always stay in contact with all of your lender. Make sure they know if your current address and phone number. Take any requested actions needed as soon as you can. Missing an important piece of mail can end up costing a lot more money.

Speak with your lender often. Make sure they always know your address, phone number and email, all of which can change often during your college experience. Do not put off reading mail that arrives from the lender, either. Take the actions you need to take as quickly as you can. If you miss any piece of information, you may end up spending more money.

Don’t forgo private loans for financing a college education. There is not as much competition for public loans.Explore the options within your community.

Do not forget about private financing. While public loans for students are available widely, there is a lot of competition and demand for them. Many people do not know about private loans; therefore, they are usually easier to get. A private student loan from a community source may be just what you need to buy textbooks or manage some other specific expense.

TIP! Private financing is something that you may want to consider. Public student loans are highly sought after.

Do not panic when you are faced with paying your loans temporarily difficult. Unemployment and health emergencies will inevitably happen. There are forbearance and deferments for most loans. Just know that the interest will build up in some options, so making interest-only payments will at least keep your balance from rising higher.

Pay off all your student loans using two steps. Always pay on each of them at least the minimum. Pay extra on the loan with the highest interest rate. This will lower how much money is spent over time.

TIP! Try paying off student loans with a two-step process. First, be sure to pay the monthly amount due on each loan you have taken out.

Focus on the high interest loans.If you try to pay off the ones with the lowest balances first, there is a chance that you will end up owing more money in the end.

If you plan to prepay your loans, try to pay those with the highest interest rates first. You may think to focus on the largest one but, the accruing interest will add up to more over time.

Stafford loans have a period of six months. Other kinds of student loans may have other grace periods. Know when you are to begin paying on time.

Know how long you have between graduation and the commencement of loan payments. Six months is usually the length for Stafford loans. If you have Perkins loans, you will have 9 months. The time periods for other student loans vary as well. Understand when your first payments will be due so that you can get on a schedule.

TIP! Check the grace period of your student loan. If you have Stafford loans, you will usually have about 6 months.

Choose the payment option that fit your financial circumstances. Many student loans will offer 10 year repayment plan. There are other ways to go if this doesn’t work. For instance, you could extend the amount of time you have to pay, but this will increase your interest. You can also make payments based on your income. Some student loan balances are forgiven once twenty five years have passed.

The idea of paying off a student loan every month can seem daunting for a recent grad on a tight budget. There are loan rewards programs that can help with payments. For examples of these rewards programs, look into SmarterBucks and LoanLink from Upromise. The are akin to cash back incentives, and the money spent works like a reward you can use toward your loan balance.

TIP! The thought of paying on student loans can be daunting. However, loans that offer a rewards program can soften the blow.

Reduce your total principle by paying off your largest loans as fast as you can. Focus on the big loans first. After you have paid off the largest loan, continue making those same payments on the next loan in line. By making sure you make a minimum payment on your loans, you will systematically eliminate your student loan debt.

To maximize the value of your loans, make sure to take the most credits possible. Sure a full time status might mean 12 credits, but if you can take 15 or 18 you’ll graduate all the quicker. This helps you keep to aminimum the amount of loan money you need.

TIP! To make your student loan money stretch even farther, consider taking more credit hours. Full-time is considered 9 to 12 hours per semester, take a few more to finish school sooner.

The prospect of monthly student loan payments can seem daunting for a recent grad on a tight budget. You can minimize the damage a little with help from loan reward programs. Look at websites such as SmarterBucks and LoanLink via Upromise.

Some people apply for loans and sign the papers without understanding the terms. You must, however, ask questions so that you know what is going on. This is one way that lenders use to get more than they should.

Get many credits each semester. Full-time status is usually 9-12 hours per semester, take a few more to finish school sooner. This helps reduce the amount of loans.

Fill out each application completely and accurately for faster processing. If you fail to fill out the forms correctly, there might be delays in financing that can postpone your education.

TIP! To expedite the process of a student loan, make sure the application is filled out accurately. Incorrect and incomplete information gums up the works and causes delays to your education.

Lots of people don’t know what they are doing when it comes to student loans without truly understanding the fine print. This is one way that lenders use to get more than they are entitled to.

The two best loans on a federal level are called the Perkins loan and the Stafford loan. They are the safest and least costly loans. They are favorable due to the fact that your interest is paid by the government while you are actually in school. Interest rate on the Perkins loan is five percent. Subsidized Stafford Loans will have an interest rate that goes no higher than 6.8 percent.

TIP! The Perkins Loan and the Stafford Loan are both well known in college circles. Many students decide to go with one or both of them.

PLUS student loans are something that you should consider if graduate students. The highest the interest doesn’t rise above 8.5%. This is a higher rate than Stafford or Perkins loans, though higher that those of Perkins or Stafford loans. This is often a great choice for students further along in their education.

Some schools have reasons that they may try to motivate you to go toward one particular lender to get a student loan. Schools sometimes allow lenders to refer to the name of the school. Such tactics are often misleading. The school might be getting payment if you choose to go with certain lenders. Be sure you know what a loan is all about before you decide to utilize it.

TIP! Your school may want you to borrow from certain lenders. Certain schools let private lenders use the name of the school.

Student loans can hurt you if you do not do your homework on them. The best thing to do to keep yourself in a good financial position is to study this subject all you can. These suggestions will be important to remember.

Forget about defaulting on student loans as a way to escape the problem. There are ways that the government can collect the money against your wishes. They can take money off your tax refund, for example. It could also get part of your income as well. There’s a huge chance that you could be worse than you were prior.

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