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: March 18, 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, Tricks And Helpful Hints You’ll Find Success With

Be aware of the terms of any loans you take out. You must pay close attention to how much you owe, what the terms are and the name of your lending institution. This helps when it comes to payment plans and forgiveness options. This information is necessary to plan your budget accordingly.

Most people who have graduated have a loan debt. It is important to do your homework on loans prior to getting one. Read on to learn more.

If you’re having trouble repaying loans, don’t panic. You could lose a job or become ill. Know that there are options available such as a forbearance or deferment. Interest continues to compound, however, so a good strategy is to make interest only payments that will prevent your balance from getting bigger.

TIP! If an issue arises, don’t worry. Unemployment and health emergencies can happen at any time.

Don’t be scared if something happens that causes you to miss payments on your student loan due to a job loss or another unfortunate circumstance. Most lenders can work with you if you are able to document your job. Just be aware that doing so may cause interest rates.

Pay your loans off using a two-step process. To begin, pay the minimum every month. After this, you will want to pay anything additional to the loan with the highest interest. This will lower how much money is spent over time.

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

Your loans are not due to be paid back until your schooling is complete. Make sure that you find out the repayment grace period you are offered from the lender. The period should be six months for Stafford loans. If you have Perkins loans, you will have 9 months. Make sure to contact your loan provider to determine the grace period. This is important to avoid late penalties on loans.

TIP! Know what the grace period is before you have to start paying for your loans. Stafford loans offer loam recipients six months.

Don’t panic if you have trouble when paying back your loans. Unemployment or a health problem can happen at any time. There are forbearance and deferments for most loans. Just remember that interest is always growing, so at least consider making interest only payments to keep balances from rising.

Choose the payment option that is best suited to your needs. Many loans allow for a 10 year payment plan. If these do not work for you, explore your other options. For instance, you could be given more time but have to pay more interest. The company may be willing to work with a portion of your net income. Some loans are forgiven in 25 years.

TIP! Get a payment option that works for you. Many loans offer a decade-long payment term.

Use a process that’s two steps to get your student loans. Begin by figuring out how much money you can pay the minimum payments on each of your loans. Second, if you have any extra money, not the loan that has the largest balance. This will make it to where you over a period of time.

Pay off the largest loan to reduce the total principal. It should always be a top priority to prevent the accrual of additional interest charges. Pay the larger loans off to prevent this from happening. Once a large loan has been paid off, transfer the payments to your next large one. By keeping all current and paying the largest down totally first, you will more quickly rid yourself of debt.

TIP! Paying off your biggest loans as soon as you can is a sound strategy towards minimizing your overall principal. The lower the principal amount, the lower the interest you will owe.

Focus initially on the high interest rates. If your payment is based on what loans are the highest or lowest, you could end up paying more than you need to.

Anyone on a budget may struggle with a loan. A rewards program may help things. LoanLink and Upromise are two of these great programs. These are like programs that offer cash back, but the rewards are used to pay your loans.

TIP! Anyone on a strict budget who is facing the repayment of a student loan is put in a difficult situation. Loan rewards programs can help a little with this, however.

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

Take a large amount of credit hours to maximize your loan. Though full-time student status requires 9-12 hours only, if you are able to take 15 or more, you will be able to finish your program faster. This will help in reducing your loan significantly.

TIP! Squeeze in as many possible credit hours as you can to maximize your student loans. Full time is 9-12 hours, but you can go as high as 8.

Select a payment plan that works for you. Many student loans offer 10-year plan for repayment. There are many other choices available if you need a different solution. You might be able to extend the plan with a greater interest rates. You can pay a percentage of your income once you finally do start making money. Some loans are forgiven about 25 years.

Never sign anything without knowing what exactly it says and means. Always ask any questions that come up or if you need anything clarified. Otherwise, you may end up with more fees and interest payments than you realized.

TIP! Lots of folks secure student loans without truly understanding the fine print. You must ask the right questions to clarify what you don’t understand.

Reduce your total principal by getting things paid off your largest loans as quickly as possible. Focus on the big loans off first. After you have paid off the largest loan, take the money that was previously needed for that payment and use it to pay off other loans that are next in line. By making sure you make a minimum payment on your loans, you will systematically eliminate your student loan debt.

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. These are great options because the government handles your interest while you are in school. Perkins loan interest rates are at 5 percent. The interest rate on Stafford loans that are subsidized are generally no higher than 6.8 percent.

TIP! Two superior Federal loans available are the Perkins loan and the Stafford loan. They are the safest and most economical.

The prospect of having to pay a student loan payments can be hard for people that are on hard budget already. You can make things a little with loan reward programs. Look at websites such as SmarterBucks and LoanLink via Upromise.

Do not consider the idea that a default on your student loan will give you freedom from your debt. The government has many ways to get the money. The federal government can garnish your taxes and disability payments. They can also claim up to fifteen percent of your income that is disposable. This can become financially devastating.

TIP! Wipe away the thoughts about not paying back your student loans and thinking the problem will just go away. The government has several collection tools at its disposal.

Be sure to fill your student loan applications neatly and properly to avoid any delays in processing. Incorrect and incomplete loan information can result in having to delay your college education.

When you are filling out your financial aid application, make sure that you are positive there are no errors on it. This will impact the types of student loans that are offered to you. Ask someone for help if you are uncertain.

TIP! Double check all applications for errors. Errors on your application can alter the amount you are loaned.

Stafford and Perkins loans are the best that you can get. These are very affordable and safety. This is a great deal because while you are in school your interest will be paid by the government. The interest for a Perkins loan is 5 percent. Subsidized Stafford Loans will have an interest rate cap of 6.8%.

To stretch your student loan money as far as it will go, purchase a meal plan by the meal instead of the dollar amount. A plan that presumes you will eat every time food is served may overcharge you.

TIP! In order to maximize your student loan, try not to overspend by buying meal plans which offer per year, not a 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.

If you don’t have very good credit and need a student loan, you will need a co-signer. It is critical that you keep up with all of your payments in a timely manner. If you miss a payment, you are affecting the credit of the person who went to bat for you.

When you are staring at a high loan balance for a student loan, try to stay calm. Though it is considerable, the lenders do not expect it in one lump sum. If you concentrate on working and putting money aside, you can attack your loans forcefully.

TIP! Don’t get into a panic if you see a large balance you have to pay back when you get student loans. It can seem like a ton, but you pay it back gradually for a long time.

PLUS loans are a type of loan option for parents and also graduate students. They cap their interest rate of 8.5 percent. This is a bit higher than Perkins and Stafford loans, but is lower than private lenders offer. This makes it a suitable option for your situation.

To get a really good bang for your student loan buck, a great idea is to take classes online, rather than at the school itself. This will allow you to work and go to school at the same time. You will increase your schedule and lessen the amount of years it will take to obtain your degree.

TIP! To limit your reliance on student loans, try to take additional classes online. This lets you add additional class hours and makes it easier for you to do other things like working at a job to help pay for schooling.

Do not think that you from your student loans to get out of paying them. The federal government will be able to recover the money in a few different ways. They can take your taxes or Social Security. The government also has the right to claim to 15 percent of your income. You could end up worse off than before in some cases.

Apply for a loan on the federal level before you look at private lender options. Federal loans come with fixed interest rates and other advantages. If you have a fixed rate loan, you don’t have to be surprised at the end of every month. It’s easier when you can budget every month.

TIP! Prior to getting a loan from private lenders, try to get a federal loan. These have fixed interest rates, which are beneficial.

If you’re pursuing a higher degree, then you realize how inevitable the debt of a student loan is. High college costs are the primary reason for this. You now have some great information that can help you take on student loans more responsibly.

To keep you borrowed student loan amount down, try taking all the AP classes when in high school that you’re able to. Each of these AP classes will have a test when they’re over to see if you’re someone with college competency. If the score is high enough, the end result will be a college credit.

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