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 20, 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: Tips For Students And Parents

Understand the grace period of your loan. The grace period is the period between when you graduate and when you have to start paying back your loans. Knowing this can help you avoid hefty penalties by paying on time.

You may start getting student loans before leaving high school. It may seem like an ideal situation to get so many offers so soon.

Stay in touch with the lender. Keep them updated on any change of personal information. Also, be sure you immediately read any kind of mail you get from a lender, whether it’s electronic or paper. You must act right away if information is required. It can be quite costly if you miss anything.

TIP! Make sure you are in regular contact with the lender. Always let them know anytime your personal information changes, because this happens quite a bit when you’re in college.

Don’t worry if you can’t pay a payment. Most lenders can work with you if you are able to document your current hardship. Just be mindful that doing so may cause interest rates rise.

If you lose your job, face financial issues or some other bump in the road comes up, don’t worry about missing a payment. A lot of the time a lender will allow a payment to be postponed if you show them you’re having a hard time. This might increase your interest rate, though.

TIP! 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.

Don’t be driven to fear when you get caught in a snag in your loans. Job losses or unanticipated expenses are part of life. There are forbearance and deferments available for most loans. Just be mindful that interest continues to accrue in many options, so making interest-only payments will at least keep your balance from rising higher.

You should not necessarily overlook private college financing. Public student loans are highly sought after. These private loans are not tapped into as much, which means they contain smaller increments of money due to lack of awareness and size. Ask locally to see if such loans are available.

TIP! Remember private financing. Although there are a variety of public student loans, it can be difficult to obtain them due to competition and demand.

Focus initially on the high interest rates. If your payment is based on what loans are the highest or lowest, then you might actually end up paying back more in the end.

Pay off all your student loans using two steps. Always pay on each of them at least the minimum. Next, pay extra on your loan with the largest interest rate instead of the one with the largest balance. This helps lower the amount of costs over the course of the loan.

Stafford loans offer a six months. Other loans may vary. Know when you will have to pay them back and pay them on your loan.

Prioritize your loan repayment schedule by interest rate. Go after high interest rates before anything else. Whenever you have a little extra money, put it towards your student loans to pay them off as fast as possible. Paying quicker than expected won’t penalize you in any way.

TIP! Pay off your different student loans in terms of their individual interest rates. Try to pay the highest interest loans to begin with.

Prioritize your repayment of student loans by interest rate of each one. The highest rate loan with the most interest should be paid off first. Using your extra cash can help you get these loans more rapidly is a smart choice. There are no penalty for early repayment.

Anyone on a budget may struggle with a loan. There are loan rewards programs that can help with payments. Look at websites such as SmarterBucks and LoanLink to learn about this kind of program offered by Upromise. They will make small payments towards your loans when you use them.

Largest Loans

Never sign anything without knowing what exactly it says and means. You must ask the right questions to clarify what you don’t understand. This is a good way for you to get scammed.

TIP! Far too often people will rush into signing the student loan paperwork without carefully analyzing the terms and conditions of the loan. It is vital that you understand everything clearly before agreeing to the loan terms.

Reduce your total principle by paying off your largest loans first. Focus on the largest loans off first. Once you pay off a large loan, you can focus on smaller loans. By making sure you make a minimum payment on your loans, you will systematically eliminate your student loan debt.

Be sure to fill your student loan application correctly. If you give them information that isn’t right or is filled with mistakes, it can mean the processing will be delayed. This can put you a whole semester behind!

TIP! Fill in all of the spaces on your application, otherwise, you may run into delays. If you fail to fill out the forms correctly, there might be delays in financing that can postpone your education.

Do not think that you can just default on student loan debts. The federal government will often still get its money through multiple options. They can take this out of your income taxes or Social Security. The government also has the right to take up to fifteen percent of all your disposable income. This will put you worse off.

Two of the most popular school loans are the Perkins loan and the often mentioned Stafford loan. These are very affordable and are safe to get. They are a great deal, because the government covers your interest while you are still in school. Perkins loans have an interest rate of 5%. The Stafford loans are subsidized and offer a fixed rate that will not exceed 6.8%.

TIP! The Stafford and Perkins loans are the best options in federal loans. These are both safe and affordable.

Do not simply apply for loans in order to fund your entire education. Save money up in advance and look into scholarships you might qualify for. There are lots of good scholarship sites to tap into. Make sure to start the search soon so you can be prepared.

If your credit isn’t the best, and you want to apply for private student loans, then you will probably need a co-signer. It is vital you keep current with all your payments. If you miss a payment, then your co-signer will not be happy because they are just as responsible for these payments as you are.

TIP! If your credit is sub-par, you might need a co-signer for private student loans. You have to make every single payment.

Double check to ensure that your loan application for mistakes before you submit it. This is important because it may affect how much aid you are offered. Ask for help if you are uncertain.

Taking out a PLUS loan is something that a graduate student can apply for. They have a maximum interest rate of 8.5 percent. These loans give you a better bang for your buck. This is the best option for mature students.

TIP! PLUS loans are a type of loan that is available only to parents and graduate students. The PLUS loans have an interest rate below 8.

Get a meal plan on campus; this will save you money in the most of your student loans.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.

Rid your mind of any thought that defaulting on a student loan is going to wipe the debt away. The government can get back this money if they want it. For instance, it has the power to seize tax refunds as well as Social Security payments. It can also claim 15 percent of your disposable income. Most of the time, it will results in a worse financial situation for you.

TIP! Do not think that defaulting will relieve you from your student loan debts. The government will often still get its money back anyway.

Stay in touch with your lender. This is key because you need to know all about your loans and stipulations within your repayment plans. Your lender will prove to be invaluable should you with valuable tips for repayment.

Be careful when it comes to private student loans. It isn’t easy to know what the terms might be. Never sign an agreement without understanding the terms of the contract. This makes it hard to learn about your options. Fully understand the terms before signing on the dotted line. If one offer is a ton better than another, talk to your other lenders and see if they’ll beat the offer.

TIP! Private student loans should be considered carefully before you sign. It can prove difficult to find out what the exact terms are.

Do your best to avoid panicking when you have a large sum of money to repay on a student loan balance seems insurmountable.This may seem like a very large amount when you look at it, but it’s repaid gradually over time.

Don’t rely solely on student loans for financing your college experience. Make sure you save money for your education and research grants and scholarships to help. The Internet is your friend here; you can find a lot of information on scholarships and grants that might pertain to your situation. Start looking early so that you’ll find the best information and assistance.

TIP! Avoid relying totally on student loans when it comes to paying for your education. 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.

Make sure you fully aware of your repayment terms.You should be clear about your lender needs from you. You have to know this before signing anything on the dotted line.

To stretch your student loan money as far as it will go, purchase a meal plan by the meal instead of the dollar amount. This allows you to not worry about what’s on your plate each time you eat because each meal is a flat rate.

TIP! To make sure that your student loan dollars go as far as possible, buy a meal plan that goes by the meal rather than the dollar amount. This way, you won’t be paying for each individual item; everything will be included for your prepaid flat fee.

You will find they are likely to have the financial institution work together with you so you can stay current. You might be able to lower your payments or a deferral.

Check out all your choices that you can use to pay off your student loans on time. It’s critical that you make all payments in a timely manner in order to keep your credit rating good and prevent wage garnishment. If you can’t make your payments monthly without trouble, think about consolidating your loans.

TIP! Investigate all your choices for repayment options to make sure you stay current with them. Paying on time helps your credit rating while reducing the amount of interest you must pay.

Keep in touch with your lenders while in school and after college. Make sure they are updated in regard to your personal information changes like your email or phone number. This means that you’re knowledgeable about changes like terms or term information. You need to contact them if you transfer, graduate, or graduate from college.

Ahead of looking into private loans, check out federal loans. Federal loans have fixed interest and better options. With fixed rate student loans, there are no surprises from one month to the next. It’s easier when you can budget every month.

Try taking classes and using advanced placement.

Enrolling in college AP classes can help ensure you borrow less student loan funds later. These classes allow you to take a test to gain college credit. Scoring well on such tests can get you college credits.

TIP! To keep you borrowed student loan amount down, try taking all the AP classes when in high school that you’re able to. Each one ends with an exam to see if you have achieved college competency.

Take online classes to get the cost of student loans. This will allow you to work and schedule assignments around your regular schedule. This permits you the most hours each semester.

If the total amount of financial aid still leaves you with additional college expenses, a private loan might be needed. However, don’t apply with just one lender. Shop around to find the best possible terms.

Ap Classes

Talk to a financial aid counselor a few months in advance. This will give you some time to think about options. Waiting until the last minute can end up costing your more money.

TIP! Talk with financial aid advisers before you need student loans. That will give you time to make good decisions and investigate your many options.

Take AP classes in high school to reduce borrowing. These AP classes allow you to take a test to gain college credit. A high enough score means you are given college credit.

It is often better to change college plans a bit instead of incurring unmanageable debt. You will have a degree when all is said and done. Sometimes attending a junior college is a good option until you can square away your finances.

TIP! You may need to go to a more affordable college if you do not have the funds for your ideal one. The result is same.

There are many facets to college, and an important one is not accruing too much debt when financing your education. The decision to borrow money can be a perilous one if it’s entered into lightly. Use the information located above to begin your future.

Sometimes you will have to restrict your spending to pay off your loan. Try going to a community college for a year unless you are going to a prestigious school. Even a single year at a community college can save tens of thousands of dollars. If you take this route, just make sure that any credits you accrue are going to transfer.

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