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 26, 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

Don’t panic if you aren’t able to make a loan payment. Anything can come up and interfere with your ability to pay, such as a medical emergency or getting laid off from work. Do know that you have options like deferments and forbearance available in most loans. Just remember that interest will continue to build in many of these options, so try to at least make payments on the interest to prevent your balance from growing.

TIP! Do not panic if an emergency makes paying your loans temporarily difficult. There is always something that pops up in a persons life that causes them to divert money elsewhere.

Are high school prices of tuition and books at colleges and universities? You may wonder what people do so they can afford expensive schools even during a downward economy. Many people take out student loans to pay for school. You can qualify for one, and this article was put together to help you with the process.

Identify and specifically choose payment options that are suited to your personal circumstances. Many of these loans offer a ten year repayment period. Check out all of the other options that are available to you. You can pay for longer, but it will cost you more in interest over time. You might even only have to pay a certain percentage of what you earn once you finally do start making money. Some balances pertaining to student loans get forgiven about 25 years later.

TIP! Select a payment option that works well for your particular situation. In the majority of cases, student loans offer a 10 year repayment term.

Don’t worry if you from making a student loan off because you don’t have a job or something bad has happened to you. Most lenders can work with you if you are able to document your job. Just keep in mind that doing this might cause the lender to raise the interest rates to rise.

Look to pay off loans based on their scheduled interest rate. You should always focus on the higher interest rates first. Make extra payments so you can pay them off even quicker. There are no penalties for paying off a loan faster.

TIP! When it comes time to pay back your student loans, pay them off from higher interest rate to lowest. The loan with the individual highest rate needs paid down fastest and first.

Don’t be driven to fear when you get caught in a snag in your loan payment. Unemployment or a health emergencies can happen at any time. 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.

To get a lot out of getting a student loan, get a bunch of credit hours. Full-time status is usually 9-12 hours per semester, so getting between 15 and 18 can help you graduate sooner. This helps you keep to aminimum the amount of loan money you need.

TIP! To make your student loan money stretch even farther, consider taking more credit hours. As much as 12 hours during any given semester is considered full time, but if you can push beyond that and take more, you’ll have a chance to graduate even more quickly.

Use a process that’s two steps to get your student loans. Begin by figuring out how much money you can pay off on each of your loans. Second, if you have any extra money, not the one with the highest balance. This will cut back on the amount of money you spend over time.

Fill in all of the spaces on your application, otherwise, you may run into delays. This will give the loan provider accurate information to leverage off of.

TIP! To make sure your student loan application goes smoothly, make sure the information you include is accurate. If you give wrong or incomplete information, it can slow down processing and you may not be able to start when you planned.

Focus on paying off student loans with high interest loans. If you get your payments made on the loans that have the lowest or the highest, you could end up paying more than you need to.

Stafford and Perkins loans are the best federal student loan options. These have some of the lowest interest rates. The are idea, because the government shoulders the interest payments while you remain in school. The Perkins tends to run around 5%. The Stafford loans are subsidized and offer a fixed rate that will not exceed 6.8%.

TIP! Stafford and Perkins loans are the best federal student loan options. Many students decide to go with one or both of them.

Stafford loans typically give you six months of grace period. Other kinds of student loans may have other grace periods. Know when you will have to pay them back and pay them on your loan.

If your credit is abysmal and you’re applying for a student loan, you’ll most likely need to use a co-signer. Once you have the loan, it’s vital that you make all your payments on time. 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.

Student Loans

A PLUS loan is specifically oriented to address the needs of graduate students and/or parents. They bear an interest rate of no more than 8.5%. While this is generally higher than either Perkins or Stafford loans, it still has lower interest rates than the typical personal loan. For this reason, this is a good loan option for more mature and established students.

TIP! One type of student loan that is available to parents and graduate students is the PLUS loans. The PLUS loans have an interest rate below 8.

Select the payment option that works well for your needs. Many student loans allow for a 10 year payment plan. There are often other choices available if this is not preferable for you. You might be able to extend the plan with a greater interest rates. You might also be able to pay a percentage of what you earn once you finally do start making money. Some balances on student loans are forgiven about 25 years later.

Get the idea out of your head that you will be forgiven for a student loan that you have defaulted on. Unfortunately if you do this, the federal government will use all means necessary to recover this debt. For example, the government can take a cut from your Social Security payments or your tax return. The government may also try to take up around 15 percent of the income you make. This can put you in a position that’s worse than the one you were in to begin with.

TIP! Defaulting on your loans is not an easy way out. There are many tools in the federal government’s arsenal for getting the funds back from you.

Pay off your loans in interest-descending order. The loan with the individual highest rate needs paid off first. Using the extra cash available can get these things paid off quicker later on. There is no penalties for paying off your loans early.

Private student loans should be considered carefully before you sign. It can prove difficult to find out what the exact terms are. You may not know exactly what you’re signing until later. After that happens, it might prove quite difficult to free yourself from it. Learn all you can beforehand. Always check to see if you can get a better deal.

TIP! Don’t rush into taking a private student loan. It can prove difficult to find out what the exact terms are.

Get many credit hours each semester as you can. Full-time is considered 9 to 12 hours per semester, so getting between 15 and 18 can help you graduate sooner.This will keep your loan totals.

Do not simply apply for loans and let that be the end of it. Keep in mind that you need to put money aside and investigate grants and scholarships that may offer you some financial assistance. You may find some that will match your other funding sources. Start searching right away to be prepared.

Student Loans

When you are completing your application for financial aid, be sure that there are no mistakes. This will impact the types of student loans that are offered to you. If you are confused about the form, consult with a counselor at your high school.

TIP! As you fill out your application for financial aid, ensure that everything is correct. This is critical because the information you provide directly affects the amount of money you are offered in loans.

Now that you’ve read the advice above, obtaining student loans should be easier for you. Use the solid tips from above when you go to fill out the financial aid form to help get the student loans you seek. Don’t allow how much school costs to keep you back from getting a great education.

It is important to remain in contact with the lender. This is important because you may have questions down the line. Also, you can get great advice from your lender.

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