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 3, 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: Want The Best? Learn What We Have To Offer First

Find out what the grace period is you are offered before you are expected to repay your loan. This is the amount of time you have before the lender will ask that your payments need to start. Knowing when this is over will allow you to know when to pay your payments on time so you don’t have a bunch of penalties to take care of.

TIP! Be aware of the grace period that you have before you have to pay back your loan. Usually, there is a time period after you leave school before you must begin paying the loans.

Most students today can’t finish their higher education without incurring student loan debt. The right way to exit school and still be in good financial shape is to learn all you can about how student loans before getting any. Read this article to find out how to do this.

Always know all of the key details of any loan you have. You must watch your loan balances, check your repayment statuses, and know your lenders. This helps when it comes to payment plans and forgiveness options. You need this information to budget yourself appropriately.

TIP! Always know all the information pertinent to your loans. You must pay close attention to how much you owe, what the terms are and the name of your lending institution.

Know how long of a grace periods your loans offer. This is generally means the period after graduation when the payments will become due. Knowing when this is over will allow you to make sure your payments on time so you don’t have a bunch of penalties to take care of.

Don’t worry about not being able to make a payment on your student loans if something unexpected like job loss has happened. Many lenders give you a grace period if you are able to prove that you are having difficulties. Just know that taking advantage of this option often entails a hike in your interest rates.

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. Many times a lender will allow the payments to be pushed back if you make them aware of the issue in your life.

Always know all of the key details of any loan details. You need to know how much you owe, your current lenders and your repayment status of each loan. These facts will affect future repayment and forgiveness options. This is must-have information is necessary to plan your budget accordingly.

Private financing is always an option. Because public loans are so widely available, there’s a lot of competition. Not as many students opt for private student loans and money stays unclaimed because not too many people are aware of them. Look at these loans at a local college since they can cover one semester worth of books.

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

Pay your loans off using a two-step process. To begin, pay the minimum every month. The second step is applying any extra money you have to your highest-interest-rate loan and not the one with the biggest balance. This will cut down on your liability over the long term.

TIP! Utilize a methodical process to repay loans. First, make sure that you meet the minimum monthly payments of each individual loan.

Pay your student loans off using a two-step process.Always pay on each of them at least the minimum balance due. Second, make extra payments on the loan whose interest rate is highest, and not just the largest balance. This will cut down on your total expenditures to a minimum.

The best way to pay down your student loan debt early is to focus on the loans that come with a higher interest rate. If you try to pay off the ones with the lowest balances first, you may pay more interest that you have to.

Focus on the high interest loans.If you pay off the wrong loans first, it can cost you extra in the end.

Choose your payment option wisely. The ten year repayment plan for student loans is most common. There are other options if you can’t do this. You might be able to extend the payments, but the interest could increase. You may have to pay a certain part of your income after you get some work. Some loans are forgiven in 25 years.

TIP! Which payment option is your best bet? Many student loans come with a 10-year plan for repayment. There are other choices available if this is not preferable for you.

Stafford loans offer loam recipients six month grace period.Other types of student loans will vary. Know when you will have to pay them back and pay them on your loan.

Pick a payment plan that works best for you. Most student loans allow for repayment over ten years. You can consult other resources if this does not work for you. If it takes longer to pay, you will face a higher interest charge. You might also be able to pay a percentage of your income once you begin making money. Some loans’ balances get forgiven after 25 years.

TIP! Choose the right payment option for you. Many student loans offer 10 year payment plans.

Select a payment arrangement that works well for you.Many loans offer a ten year repayment period. There are often other options if you need a different solution. You might get more time with a greater interest rates. You also have the option of paying a set percentage of your post-graduation income. There are some student loans that can be forgiven if you have not got them paid in full within 25 years.

Pay off big loans with higher interest rates first. A lower principal means you will pay less interest on it. Pay the larger loans off to prevent this from happening. Continue the process of making larger payments on whichever of your loans is the biggest. Making these payments will help you to reduce your debt.

TIP! Reduce the principal by paying the largest loans first. The less of that you owe, the less your interest will be.

Select a payment choice that works best for you. Many loans offer 10 year payment plan. There are other ways to go if this doesn’t work. For instance, you could extend the amount of time you have to pay, your interest will be higher. You might also make payments based on your income once you begin making money. Some loans are forgiven after 25 years.

To get the most out of your student loan dollars, take as many credit hours as possible. 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. When you handle your credit hours this way, you’ll be able to lessen the amount of student loans needed.

TIP! To make your student loan money stretch even farther, consider taking more credit hours. Sure a full time status might mean 12 credits, but if you can take 15 or 18 you’ll graduate all the quicker.

Pay off the loan with higher interest rates first. Focus on paying off big loans up front. Once you pay a big loan off, transfer the payments to your next large one. When you apply the biggest payment to your biggest loan and make minimum payments on the other small loans, you get rid of the debts from your student loans systematically.

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. If you do not do this, you may end up paying more than you should for your education.

TIP! Many people get student loans without reading the fine print. It is essential that you question anything you do not clearly understand.

The prospect of monthly student loan every month can be somewhat daunting for a recent grad on a tight budget. You can make things a bit easier with loan rewards programs. Look at programs like SmarterBucks and LoanLink to learn about this kind of program offered by Upromise.

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 fail to fill out the forms correctly, there might be delays in financing that can postpone your education.

TIP! Fill your application out accurately to get your loan as soon as possible. If you give information that is incomplete or incorrect, it can delay the processing, which means that you could end up unable to begin a semester, putting you half a year behind.

Stafford and Perkins are two of the best that you can get. These are both safe and safety. This is a good deal that you are in school your interest will be paid by the government. Perkins loans have a rate of 5%.The Stafford loan only has an interest rate that does not exceed 6.8%.

The two best loans on a federal level are called the Perkins loan and the Stafford loan. This is because they come with an affordable cost and are considered to be two of the safest loans. They are a great deal, because the government covers your interest while you are still in school. There’s a five percent interest rate on Perkins loans. The interest is less than 6.8 percent on any subsidized Stafford loans.

TIP! The simplest loans to obtain are the Stafford and Perkins. They are the safest and least costly loans.

If you’re pursuing a higher degree, then you realize how inevitable the debt of a student loan is. Unless the costs for tuition and books decreases significantly, virtually all people need to depend on loans. You should feel better about handling student loans if you find you need one.

There are specific types of loans available for grad students and they are called PLUS loans. Normally you will find the interest rate to be no higher than 8.5%. This rate exceeds that of a Perkins loan or a Stafford loan, but is lower than private lenders offer. Therefore, this type of loan is a great option for more established and mature students.

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