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 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
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  • 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.

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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

Find out when you must begin repayments. The grace period is the time you have between graduation and the start of repayment. This will help you plan in advance.

TIP! Know how long of a grace period is in effect before you must begin to make payments on the loan. This usually refers to the amount of time you are allowed after you graduate before repayments is required.

You may need a student loan eventually in your life. Maybe you need one now, or it could be later on. No matter what, learning all you can will assist you with getting the greatest student loans available. The following paragraphs are full of information you educated.

Always know all the information pertinent to your loans. You should always know how much you owe and to whom. Additionally, you should be aware of your repayment obligations. These facts will determine your loan repayment and forgiveness options. This information is necessary to plan your budget accordingly.

TIP! Always know the pertinent details of your loans. Keep a running total on the balance, know the repayment terms and be aware of your lender’s current information as well.

Know how long of a grace period built into having to pay back any loan. This is generally the period after you graduate where the payments are due. Knowing this is over will allow you to make sure your payments are made on time so you can avoid penalties.

Don’t worry about not being able to make a payment on your student loans if something unexpected like job loss has happened. Generally speaking, you will be able to get help from your lender in cases of hardship. Your interest may increase if you do this.

TIP! There is hope for you if you find yourself in a tight financial spot where you cannot keep up with student loan payments. Usually, most lenders let you postpone payments if some hardship is proven.

Always know the pertinent to your loans. You must watch your balance, keep track of the lender, and what your repayment status is. These facts will determine your repayment and forgiveness options. This will allow you to budget wisely.

Don’t overlook private financing for your college years. There is quite a demand for public student loans even if they are widely available. Private student loans will have less people getting them, and there will be small funds that go unclaimed because they’re small and people aren’t aware of them. Investigate around your community for private loans; even a small one can cover room and board for a term or two.

TIP! Don’t overlook private financing for your college years. Even though there are plenty of student loans publically available, you are faced with more people trying to secure them.

Don’t panic if something happens that causes you can’t make a payment due to job loss or another unfortunate event. Most lenders can work with you put off payments if you lose your job. Just know that doing so could make your interest rates may rise.

If you want to get any student loan paid ahead of time, it’s a good idea to pay off the ones with more interest. If you solely base your repayment by which ones have a lower or higher balance, then you might actually end up paying back more in the end.

Don’t discount using private loans for college. There is quite a demand for this as public loans. Explore the options within your community.

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. For example, you must begin paying on a Stafford loan six months after you graduate. If you have Perkins loans, you will have 9 months. Other types can vary. Make sure you know how long those grace periods are, and never pay late.

TIP! How long is your grace period between graduation and having to start paying back your loan? Stafford loans typically allow six months. Others, like the Perkins Loan, allot you nine months.

Select a payment option that works well for you. Many loans offer a 10 year repayment period. There are often other options if you need a different solution. You might get more time with higher interest rate. You might be eligible to pay a certain part of your income after you get some work. There are even student loans that will be forgiven after a period of twenty five years passes.

Go with the payment plan that best suits your needs. Many student loans come with a ten year length of time for repayment. If this is not ideal for you, then there are other choices out there to explore. For instance, you might secure a longer repayment term, but you will end up paying more in interest. Some student loans will base your payment on your income when you begin your career after college. After 20 years or so, some balances are forgiven.

TIP! Select the payment choice that is best for you. In most cases, 10 years are provided for repayment of student loans.

Choose a payment option that is best suited to your needs. Many loans offer 10 year payment plans. There are other options if this is not right for you.For instance, you can possibly spread your payments over a longer period of time, your interest will be higher. You may negotiate to pay just a set percentage of your income once you begin to earn. The balances on student loans is forgiven once 25 years.

Look to pay off loans based on their scheduled interest rate. Pay loans with higher interest rates off first. You will get all of your loans paid off faster when putting extra money into them. You don’t risk penalty by paying the loans back faster.

Largest Loans

The thought of paying on student loans can be daunting. A rewards program may help things. Check out programs from Upromise such as SmarterBucks and LoanLink. These are similar to cash back programs in which you earn rewards for each dollar you spend, and you can apply those rewards toward your loan.

TIP! Anyone on a budget may struggle with a loan. Loan rewards programs soften the blow somewhat.

Pay off your biggest loan to reduce your total principal. Focus on the largest loans off first. Once you pay off one big loan, transfer the payments to your next large one. When you make an effort to pay off your largest loans with the largest payments possible and pay the minimum on smaller loans, you can eventually eliminate all your student debt.

Take as many hours each semester as you think you can handle so you don’t waste any money. Full-time is considered 9 to 12 hours per semester, take a few more to finish school sooner. This will help in reducing your loan significantly.

TIP! Squeeze in as many possible credit hours as you can to maximize your student loans. While full-time status often is defined as 9 or 12 hours a semester, if you can get to 15 or even 18, you can graduate much sooner.

Many people will apply for student loans and sign paperwork without reading what they are signing. This is an easy way that lenders use to get more than they should.

Two of the most popular school loans are the Perkins loan and the often mentioned Stafford loan. Many students decide to go with one or both of them. This is a great deal due to your education’s duration since the government pays the interest. The interest for a Perkins loan holds at five percent. The Stafford loans are subsidized and offer a fixed rate that will not exceed 6.8%.

TIP! Stafford and Perkins loans are the most advantageous federal loans to get. This is because they come with an affordable cost and are considered to be two of the safest loans.

If you apply for a private student loan and your credit is not that great, you are sure to need a co-signer. It is vital you keep up with all of your payments. If you do not do so, then your co-signer will be held responsible for those debts.

If you have poor credit and are looking for a private loan, you will need a co-signer. Make every payment on time. If you don’t, the person who co-signed is equally responsible for your debt.

TIP! If your credit is abysmal and you’re applying for a student loan, you’ll most likely need to use a co-signer. Make your payments on time.

PLUS loans are student loans that are available to graduate school is being funded. The interest rate below 8.5%. This is a bit higher than Perkins and Stafford loans, but it will be a better rate than a private loan. This may be a great choice for more established students.

When applying for loans, be sure you provide accurate information. Errors on your application can alter the amount you are loaned. If you’re unsure, go to your school’s financial aid representative.

TIP! Double-check your application for financial aid to ensure that it is free of errors. This is critical for your ability to get the maximum amount in a loan that is available to you.

Your school might have an ulterior motive for recommending you pursue your loan through particular lenders. Some lenders to use the school’s name. This may not the best deal. The school might get a particular lender. Make sure to understand all the nuances of any loan prior to accepting it.

Get a good ideas as to what options you have when it comes time to repaying your loans. You may want to look into graduated payment plans. Using them, your beginning payments are smaller. Gradually though, they will go up as your earnings expectations increase.

TIP! Be aware of all your repayment options. If you think monthly payments are going to be a problem after you graduate, then sign up for payments that are graduated.

Avoid relying totally on student loans completely for school.Save your money up in advance and look into scholarships you might qualify for.There are a lot of great websites that offer information about available grants and scholarships for yourself. Start your search early so you’re best information and assistance.

If you have a large balance on student loans, don’t panic. Although it is likely to seem like a substantial sum, you will pay it back a little at a time over a long time period. Stay on top of your payments and your loan will disappear in no time.

TIP! Try not to panic when you are faced with a large balance to pay back with a student loan. It looks big at first, but you will be able to whittle away at it.

Understand what options you for repayment. If you’re thinking it will be hard for you to make payments after you get out of school, you may want to consider a graduated repayment plan. This makes it so that your initial payments are smaller and will gradually increase as your earning potential rises.

Know the ins and outs of the payback of the loan. Some loans provide a grace period or have a forbearance or other alternatives in payment. You must know what the options and expectations are from the lender. You must find this out before signing anything.

Do your student loan balance seems insurmountable. This may seem overwhelming; however, but you have to pay it over time so it’s really not that bad.

As soon as you think you’ll miss a payment, let your lender know. If you are proactive with regard to your situation, the lender is much more likely to offer you a plan to help you. You may be offered a deferment or a reduction in the payment.

TIP! If unable to keep up with payments, let the lender know right away. By keeping the financial institution in the loop, you will be more likely to have their cooperation.

Make certain you understand your repayment terms are. It is critical that you understand all your choices before agreeing to the lender’s expectations. You need to figure out before signing anything.

Be sure to stay in touch with lenders when you are in college and when you are done with it. Make sure you get into touch with them if any of your personal information changes like your email or phone number. This ensures the lender will be able to contact you. You need to contact them if you transfer, withdraw, or graduate from college.

TIP! Communicate with all of your lenders both during college and after you graduate. Always tell them when any of your contact information changes.

In summary, you’ll probably need a student loan at some point in your life. Having a good understanding of student loans helps when it comes to figuring out which is best for you. The above article should have taught you these things if you use the tips to your advantage.

One way to reduce student before it occurs is to take Advanced Placement classes and courses offering dual credit while you are still in high school. You take these in high school, and if you do well on a test, you will get credit for college. This reduces the number of hours you will have to take when you get to your chosen university.

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