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: May 12, 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

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Student Loans: Tips For Students And Parents

Always stay in contact with your lender. When you make changes to your address or phone number, make sure you let them know. It is also important to open and thoroughly read any correspondence you receive from your lender, whether it is through traditional or electronic mail. If any requests are made or important stipulations are shared with you, act on them right away. Missing an important piece of mail can end up costing a great deal of money.

TIP! Keep in close touch with your lender. Always update them anytime your address, email or phone number changes, which can happen a lot during college.

Since a college education is so expensive, loans are important to learn about. You need good information in order to get the right loans at the right terms. Keep reading and you’ll learn all you need to know.

It is acceptable to miss a loan payment if serious extenuating circumstances have occurred, like loss of a job. Usually, most lenders let you postpone payments if some hardship is proven. If you take this option, you may see your interest rate rise, though.

TIP! Do not worry if you are unable to make a student loan payment because you lost your job or some other unfortunate circumstance has occurred. Many lenders will let you postpone payments if you have financial issues.

Know what kind of a grace periods your loans offer. This usually refers to the amount of time you are allowed after your graduation before repayments is required. Knowing when this allows you to know when to pay your payments on time so you don’t have a bunch of penalties to take care of.

Private financing is always an option. There are lots of student loans available, and there is also a lot of demand and a lot of competition. Private student loans reside in a different category. Often, some of the money is never claimed because students don’t know about it. Look at these loans at a local college since they can cover one semester worth of books.

TIP! Keep in mind that private financing is an option to help pay for school. Because public loans are so widely available, there’s a lot of competition.

Know all the little details of your loan’s details. You want to keep track of your balance, your repayment status and which institutions are holding your loans. These things matter when it comes to loan forgiveness and repayment options. This is must-have information if you to budget effectively.

Focus on paying off student loans with high interest rates. If you try to pay off the ones with the lowest balances first, you may pay more interest that you have to.

TIP! If you’re considering repaying any student loan ahead of time, focus on those with the largest interest. This will reduce the total amount of money that you must pay.

Make sure you are in close contact with your lenders. Make sure you let them know if your current address and phone number. Take any necessary actions as soon as possible. You may end up spending more money than necessary if you miss anything.

Know how long the grace period is between the date of your graduation and the date on which you must start repaying the loans. Stafford loans offer a period of six months. For Perkins loans, the grace period is nine months. Other loans will vary. Know exactly the date you have to start making payments, and never be late.

Student Loans

Select a payment option that works well for your particular situation. Many student loans offer 10-year payment plans. If you don’t think that is feasible, you should check for alternatives. For instance, you might have an option of paying over more years at the trade-off of higher interest. You might even only have to pay a certain percentage of what you earn once you finally do start making money. There are even student loans that can be forgiven after a period of twenty five years passes.

TIP! Which payment option is your best bet? Many loans allow for a 10 year payment plan. You may be able to work a different plan, depending on your circumstances.

Pay off all your student loans using a 2-step process. Begin by ensuring you can pay the minimum payments on these student loans. Second, make extra payments on the loan whose interest rate is highest, 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 reduce your liability over the future.

Choose the payment option that is best suited to your needs. Many of these loans have 10-year repayment plans. If this does not appear to be feasible, you can search for alternative options. For example, you may be able to take longer to pay; however, your interest will be higher. Therefore, you should pay it once you make money. It’s even the case that certain student loans are forgiven after a certain time period, typically 25 years.

TIP! Choose payment options that fit your financial circumstances. A lot of student loans give you ten years to repay.

Select a payment arrangement that works well for your needs. Many loans offer a ten year payment plan. There are other choices as well. You might get more time with higher interest rate. You might also be able to pay a percentage once the money flows in. Some student loan balances are forgiven after a period of 25 years has passed.

The concept of making payments on student loans each month can be frightening when money is tight. Rewards programs can help. Places to check out are SmarterBucks and LoanLink which are programs available from Upromise. These are similar to other programs that allow you to earn cash back. You can use this money to reduce your loan.

Interest Rate

Never sign anything without knowing what exactly it says and means. Asking questions and understanding the loan is essential. Otherwise, you may end up with more fees and interest payments than you realized.

TIP! Many obtain student loans, sign their documents, but remain clueless about what they’re signing into. Make certain that you understand all of the facts before signing the dotted line.

Prioritize your loan repayment schedule by the interest rate. Pay off the one with the highest interest rate loan first. Using any extra money you have can help pay off quicker later on. There are no penalty for paying off a loan more quickly than warranted by the lender.

If you want your application for a student loan to be processed quickly, ensure that the forms are filled out completely and accurately. If you give wrong or incomplete information, it can slow down processing and you may not be able to start when you planned. This can put you behind by a year.

TIP! Be sure to fill your student loan application correctly. Your application may be delayed or even denied if you give incorrect or incomplete information.

In a few short years of college, an astounding amount of expenses can be incurred by just about anybody. If decisions on student loans are not made carefully, it can have adverse impact on the borrower’s financial future after he graduates. Thankfully, the information gleaned from this article will steer you away from the troubling aspects of the student loans.

For private loans, you may require a co-signature if you have no credit or bad credit. It is critical that you make all your payments in a timely manner. If you do not do so, then whoever co-signed your debt will be held liable.

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