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 21, 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, Tricks And Helpful Hints You’ll Find Success With

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. Having this knowledge of when your payments are scheduled to begin will avoid incurring any penalties.

TIP! Be mindful of any grace period you have prior to having to repay your loan. This is the amount of time you have before the lender will ask that your payments need to start.

Student loans are something that you want to go to college. College isn’t cheap, and most folks can’t afford to pay for it out of pocket. Luckily, learning about what is involved when applying for, you don’t have much to fear.

Stay in contact with all lenders. Keep them updated on your personal information. Do not neglect any piece of correspondence your lender sends to you, whether it comes through the mail or electronically. You need to act immediately if a payment is needed or other information is required. Failure to miss anything can cost you a lot of money.

TIP! Keep in contact with the lender. Make sure they know your current address and phone number.

Know how long of grace period is in effect before you must begin to make payments on the loan. This is the period of time you are allowed after your graduation before your payment is due. Knowing when this allows you to make sure your payments are made on time so you don’t have a bunch of penalties to take care of.

You don’t need to worry if you cannot pay for your student loans because you are unemployed. Usually, many lenders let you postpone payments if you are able to prove hardship. However, this may negatively affect your interest rate.

TIP! If you were laid off or are hit with a financial emergency, don’t worry about your inability to make a payment on your student loan. The lenders can postpone, and even modify, your payment arrangements if you prove hardship circumstances.

Always know the information pertinent to your loans. You must watch your loan balances, keep track of the lender, and monitor your repayment progress. These details are going to have a lot to do with what your loan repayment plans and forgiveness options. This is must-have information if you are to budget accordingly.

Don’t neglect private financing for college. Public student finances are popular, but there are also a lot of others seeking them. Private loans are easy to get and there are many options. See if you can get loans for the books you need in college.

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.

Don’t worry if you can’t make a payment due to job loss or another unfortunate event. Most lenders can work with you if you lose your current hardship.Just be aware that doing this might cause interest rates to rise.

Don’t panic if you aren’t able to make a loan payment. Unemployment or a health problem can happen to you from time to time. Most loans will give you options such as forbearance and deferments. Just be mindful that interest continues to accrue in many options, so at least consider making interest only payments to keep balances from rising.

TIP! Don’t let setbacks throw you into a tizzy. Emergencies are something that will happen to everyone.

Don’t eschew private loans for financing a college education. There is not as much competition for public student loans even if they are widely available. Explore any options in your community.

If you can pay off any loans before they are due, pay off the ones with the highest interest first. Calculating the terms properly will prevent spending more money than is necessary by the end of the loan.

TIP! If you plan to prepay your loans, try to pay those with the highest interest rates first. You definitely want to pay down the ones with the highest interest rate, because taking care of the lower ones could cause you to end up paying more money.

Don’t panic when you struggle to pay your loan repayments. Unemployment and health emergencies can happen to you from time to time. Do know that you have options like deferments and forbearance options. Just know that the interest will build up in some options, so try to at least make payments on the interest to prevent your balance from growing.

The prospect of monthly student loan payments can be somewhat daunting for someone on an already tight budget. However, loans that offer a rewards program can soften the blow. For instance, check out SmarterBucks and LoanLink, both of which are offered by Upromise. As you spend money, you can get rewards that you can put toward your loan.

TIP! Monthly loan payments after college can be very intimidating. Loan rewards programs soften the blow somewhat.

There are two steps to paying off student loans you have taken out. Begin by ensuring you can pay off on each of your loans. Second, make extra payments on the loan whose interest rate is highest, not the one with the highest balance. This will cut down on your spending in the long term.

A lot of people apply for a student loan and sign things without having knowledge of what they’re doing. It’s essential that you inquire about anything that you don’t understand. This is a good way for you to get scammed.

TIP! Many people will apply for their student loans without reading what they are signing. It is essential that you question anything you do not clearly understand.

Select the payment plan that works well for your particular situation. Many of these loans allow for a ten year repayment period. There are other options if you need a different solution. You might get more time with a greater interest rates. You might also be able to pay a certain part of your income once you get some work. Some balances on student loans are forgiven in 25 years.

The best federal loans are the Stafford loan and the Perkins loan. These are both safe and affordable. They are a great deal, because the government covers your interest while you are still in school. The Perkins loan interest rate is 5%. The Stafford loan only has a rate of 6.8 percent.

TIP! The best federal loans are the Stafford loan and the Perkins loan. They are both reliable, safe and affordable.

The prospect of having to pay a student loan every month can be somewhat daunting for someone on hard budget already. You can make things a little with help from loan reward programs. Look at websites such as SmarterBucks and LoanLink programs that can help you.

If you don’t have very good credit and need a student loan, chances are that you’ll need a co-signer. It is critical that you make all your payments in a timely manner. If you default, your cosigner will be responsible for the payments.

Many people apply for their student loans and sign paperwork without really understanding what they are signing. This is one way a lender may collect more than they should.

Parents and graduate students can make use of PLUS loans. These loans do not have a large interest rate compared to private loans. This is a bit higher than Perkins and Stafford loans, but the rates are better for private loans. This may be a suitable option for your situation.

Be sure to fill out your student loan application correctly. Incorrect or incomplete loan information can result in having to delay your education.

Your college may have motives of its own for recommending certain lenders. Some colleges permit private lenders to utilize the name of the school. This can lead to misunderstandings. The school might get money if you choose a particular lender. You should know about the loan before getting it.

Perkins Loans

Be very cautious about private student loans. Finding exact terms is difficult. It may be that you are unaware of them until it is too late. After this happens, you may not be able to extricate yourself. Get all the pertinent information you can. Compare offers and see if banks are willing to compete with each other for your loan.

TIP! Be leery of applying for private loans. Many times, it may be difficult to understand the loan’s terms.

Stafford and Perkins loans are the best loan options. These are highest in affordability and are safe to get. This is a great deal that you are in school your interest will be paid by the government. Perkins loans have an interest rate of 5 percent interest. Subsidized Stafford loans have an interest rates no higher than 6.8 percent.

When applying for loans, be sure you provide accurate information. This is crucial because any mistakes could affect how much aid you are offered. If there is any doubt in your mind that you filled it out right, you should consult a financial aid rep at your school.

TIP! Be sure to double check all forms that you fill out. This is critical because the information you provide directly affects the amount of money you are offered in loans.

Student loans an everyday part of college. But, deciding which loans are the best is not something to take lightly. By learning now, borrowers will prevent a lot of heartache later on.

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.

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Atlanta, Ga. 30309
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