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 22, 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: Tips For Every College Student And Parent

Always know all of the key details of any loan you have. You need to stay on top of your balances, your lenders and the repayment status in which you find yourself at any given time. These are three very important factors. Budget wisely with all this data.

TIP! Be sure you know all details of all loans. Know your loan balance, your lender and the repayment plan on each loan.

Many people think they cannot afford a good education due to how much it costs. School is pricey indeed, but student loans make the dream of a higher education a possibility. Read the following article to learn all about them.

Do not overlook private sources of funds for college. Because public loans are so widely available, there’s a lot of competition. Private loans are easy to get and there are many options. Find out whether there are any agencies in your area that have loans that can cover the cost of school books or other small needs that you must have covered.

TIP! Do not forget about private financing. Because public loans are so widely available, there’s a lot of competition.

Make sure you stay in regular contact with the lender. Make sure you let them know if your current address and phone number. Take whatever actions needed as soon as you can. You may end up spending more money than necessary if you miss anything.

If you have trouble repaying your loan, try and keep a clear head. Unemployment or a health problem can happen to you from time to time. Most loans will give you options such as forbearance and deferments. 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.

TIP! Do not panic if an emergency makes paying your loans temporarily difficult. You could lose a job or become ill.

Don’t worry if you from making a payment. Most lenders have options for letting you put off payments if you lose your job. Just be aware that doing this may raise interest rates to rise.

Pay your loans off using a two-step process. Try to pay off the monthly payments for your loan. Second, pay extra on the loan that has the highest interest. It’ll help limit your spend over a given time.

Interest Rate

If you wish to repay student loans in advance, deal with the ones with the highest interest rates first. If you focus on balances instead, you might neglect how much interest you accrue over time, still costing you money.

TIP! If you want to pay off student loans before they come due, work on those that carry higher interest rates. If you pay off the wrong loans first, you could end up paying more than you need to.

Pay your loan off using a two-step process. Begin by ensuring you can pay the minimum payments on these student loans. Second, pay anything extra to the loan with the highest 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 keep your total expenditures to a period of time.

Be aware of the amount of time alloted as a grace period between the time you complete your education and the time you must begin to pay back your loans. Stafford loans offer a period of six months. For Perkins loans, the grace period is nine months. Other student loans’ grace periods vary. Make certain you are aware of when your grace periods are over so that you are never late.

TIP! Be mindful of the exact length of your grace period between graduation and having to start loan repayments. Stafford loans typically give you six months.

Stafford loans provide a six months of grace period. Other types of student loans will vary. Know when you will have to pay them back and pay them on your loan.

Select a payment option that works well for your particular situation. A lot of student loans give you ten years to pay it back. There are often other choices as well. Understand if you choose a longer repayment period you will end up having to pay more in interest. After you begin to make money, you might be able to use a certain percentage of that income to help pay down the student loan. Some balances on student loans are forgiven when twenty-five years have passed.

TIP! Select a payment option that works well for your particular situation. Most student loan companies allow the borrower ten years to pay them back.

Choose a payment option that you will be able to pay off. Many of these loans come with a decade-long payment term. There are other choices as well. You might get more time with higher interest rate. You can pay a percentage once you finally do start making money. Some loans are forgiven when twenty-five years have passed.

Pick a payment plan that suits your particular needs. Many loans offer a ten year payment plan. If this won’t work for you, there may be other options available. It is sometimes possible to extend the payment period at a higher interest rate. Another option would be a fixed percentage of your wages when you get a job. Some student loan balances are forgiven after twenty five years have passed.

Payment Plan

Pay off the loan with higher interest rates first so you can shrink the amount of principal you owe faster. As your principal declines, so will your interest. Make a concerted effort to pay off all large loans more quickly. After you’ve paid your largest loan off in full, take the money that was previously needed for that payment and use it to pay off other loans that are next in line. Making these payments will help you to reduce your debt.

TIP! Pay off larger loans as soon as possible. A lower principal means you will pay less interest on it.

Pick out a payment plan that works best for you.Many student loans come with a ten year payment plan. There are other options if this is not right for you.For example, you can take a longer period to pay, but this will increase your interest. You could also possibly arrange a deal where you pay a certain percentage of your overall post-graduation income. Some student loan balances are let go when twenty five years have gone by.

Too often, people will accept student loans without contemplating the legal implications. It is vital that you understand everything clearly before agreeing to the loan terms. This is a good way for you to get scammed.

TIP! Many people apply for student loans and sign paperwork without really understanding what they are getting into. Always ask any questions that come up or if you need anything clarified.

Prioritize your loan repayment of student loans by interest rate of each one. The highest APR should be dealt with first. Using additional money you have can get these loans more rapidly is a smart choice. There are no penalty for paying off your loans early.

If you wish to get your student loan papers read quickly, be sure that your application is filled out without errors. Incorrect or incomplete loan information can result in having to delay your college education.

TIP! Your student loan application must be filled out correctly in order to be processed as soon as possible. Incorrect or incomplete loan information can result in having to delay your college education.

Pay off as soon as you can to reduce your total debt. Focus on paying the largest loans up front. Once a big loan is paid off, transfer the payments amounts to the loans with the next highest balances. When you make minimum payments against all your loans and pay as much as possible on the largest one, you get rid of the debts from your student loans systematically.

The simplest loans to obtain are the Stafford and Perkins. These are the most affordable and the safest. They are favorable due to the fact that your interest is paid by the government while you are actually in school. The interest rate on a Perkins loan is 5 percent. On a subsidized Stafford loan, it will be a fixed rate of no larger than 6.8 percent.

Many people apply for student loans and sign paperwork without reading the fine print. This is one way a lender to get more payments than they should.

Be wary of private student loans. These can be tricky when it comes to the specifics surrounding the terms. Sometimes, you may not know until it is too late. Once that happens, you may find it difficult to get out of the agreement. Get all the pertinent information you can. Check with different lenders to make sure you are getting the best offer.

TIP! Keep your eyes open when dealing with a private student loan. Terms are usually unclear in these loans.

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

Don’t rely on student loans for education financing. Make sure you save money for your education and research grants and scholarships to help. You can find many places online that show you how to apply for grants and scholarships that will help you secure the money you need. Be sure to begin your search as soon as possible in order to be prepared.

TIP! Don’t finance your whole college education by using student loans. You should do what you can to earn extra money, and you should also look to see what school grants or scholarships you may be eligible for.

Stafford and Perkins loans are the best loan options. They are cheap and least costly loans. This is a good deal because while you may want to consider.Interest rates for a Perkins loan is five percent. The subsidized Stafford loan only has an interest rate that does not exceed 6.8%.

If you want to stretch out your student loans a little farther, get a meal plan which deals in terms of meals instead of dollar amounts. Rather than paying for costly meals each time you sit down to eat, you pay one flat fee that covers everything.

TIP! Only pay for the meals that you eat; get a meal plan to save money. A plan that presumes you will eat every time food is served may overcharge you.

Your school could have motivations of its own when it comes to recommending you pursue your loan through particular lenders. There are schools that allow the use of their name by specific lenders. This may not be in your best deal.The school could benefit if you go with certain lenders. Make sure to understand all the nuances of any loan prior to accepting it.

Make an effort to ask your lender questions and contact them any time you need to. This is essential since you need to know all about your loans and stipulations within your repayment plans. You may even get helpful advice about paying back your loan.

Student Loans

Try finding a job at your college to help augment student loans costs. This can offset your expenses somewhat and also give you some spending 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.

Understanding student loans is a valuable step in the process. With the right information and a measure of self restraint, you can navigate the world of student loans successfully. Be sure to use these tips when dealing with financial aid.

As soon as you think you’ll miss a payment, let your lender know. Your lender will be much more forgiving if they know this in advance. Perhaps you can get a deferral or lowered payments.

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