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: June 14, 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 period of time after your graduation before your payment is due. Staying aware of when this period ends is the right way to make sure you never have late payments.

Student loans are the reality for getting undergraduate and advanced degrees. Read this article below to learn more about student loans.

Stay in touch with your lending institution. Always let them know when you change your phone number, mailing address or email address, and these things can happen often when you are in college. Also, make sure that you immediately open and read every piece of correspondence from your lender, both paper and electronic. Take any and all actions needed as soon as possible. Overlooking things can end up being very expensive.

TIP! Keep in contact with the lender. Update your address, phone number or email address if they change which sometimes happens quite frequently during your college days.

Know that there’s likely a grace period is in effect before you must begin to make payments on the loan. This usually means the period of time after graduation before repayments start. Knowing when this is over will allow you to know when to pay your payments are made on time so you don’t have a bunch of penalties to take care of.

Do not panic if an emergency makes paying your loans temporarily difficult. Health emergencies and unemployment are likely to happen sooner or later. Virtually all loan products offer some form of a forbearance or deferment option that can frequently help. 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! You don’t need to panic if a problem arises during repayment of your loans. Emergencies are something that will happen to everyone.

Don’t be scared if you to miss payments on your student loan due to a job loss or another unfortunate circumstance. Most lenders have options for letting you if you are able to document your job. Just be aware that doing so could make your interest rates to rise.

Utilize a methodical process to repay loans. Begin by ensuring you can pay the minimum payments on each of your loans. If you have money left over, apply that to the loan that has the highest interest associated with it. This helps lower the amount of costs over the course of the loan.

TIP! Pay your student loans using a 2-step process. The first thing you need to do is be certain that you are making the minimum required monthly payment on each loan.

Focus initially on paying off student loans with high interest loans. If you solely base your repayment by which ones have a lower or higher balance, it can cost you extra in the end.

Choose payment options that fit your financial circumstances. In most cases, 10 years are provided for repayment of student loans. If this isn’t possible, then look around for additional options. For example, you could extend the amount of time you have to pay, however you will probably have a higher interest rate. It may even be possible to pay based on an exact percentage of your total income. Some loan balances for students are let go when twenty five years have gone by.

TIP! Pick a payment option which best fits your requirements. In most cases, 10 years are provided for repayment of student loans.

Select the payment option that is best for you. Many of these loans come with a 10-year plan for repayment. There are often other options if you can’t do this. You might be able to extend the plan with higher interest rates. You may have to pay a certain percentage of your income after you make money. Some student loans offer loan balances are forgiven after twenty five years has elapsed.

When repaying student loan obligations, prioritize them by interest rate. The highest rate loan should be paid first. Apply any extra dollars you have to pay off student loan balances faster. There will be no penalty because you have paid them off quicker.

Interest Rate

Many people will apply for their student loans without reading what they are signing. Make certain that you understand all of the facts before signing the dotted line. This is one way a lender may collect more payments than they should.

TIP! Far too often people will rush into signing the student loan paperwork without carefully analyzing the terms and conditions of the loan. It’s a good idea to speak with the lender to ask about thing you don’t know too much about.

Prioritize your loan repayment schedule by the interest rate. Pay off the highest interest rate first. Using any extra money you have can help pay off quicker later on. There is no penalty for repaying sooner than warranted by the lender.

In order to have your student loan paperwork go through as quickly as possible, make sure that you fill out your application accurately. Any information that is incorrect or incomplete can delay it being processed, potentially causing you to miss important deadlines and putting you behind in school.

TIP! Your student loan application must be filled out correctly in order to be processed as soon as possible. Giving incorrect information can cause the process to be delayed, resulting in having to start school later.

If you don’t have great credit, you might need a co-signer for private student loans. It is vital you stay current on your payments. If you do not, your cosigner will be responsible for the payments.

Applying for a private loan with substandard credit is often going to require a co-signer. Once you have the loan, it’s vital that you make all your payments on time. If you don’t keep up with payments on time, your co-signer will be responsible, and that can be a big problem for you and them.

TIP! If you apply for a private student loan and your credit is not that great, you are going to need someone to co-sign for you. Make every payment on time.

PLUS student loans are known as student loans for parents and also graduate school is being funded. The highest the interest rate on these loans will never exceed 8.5% This is higher than Stafford loans and Perkins loans, but is lower than private lenders offer. This loan option for mature students.

Some schools get a kickback on certain student loans. Certain schools let private lenders use the name of the school. That leads to confusion. Your school may already have a deal going with a particular lender. Make sure you are aware of all the loan’s details before you decide to accept it.

TIP! Your school may want you to borrow from certain lenders. Schools sometimes lend their name to private loan companies for a mutual benefit.

Be careful with private student loans. It can be hard to find out the terms are exactly. You may not even know exactly what you’re signing until later. Get all the pertinent information you need first.

Be careful when it comes to private student loans. It can be hard to find out the exact terms. You may only find out after signing the document. Once that happens, you may find it difficult to get out of the agreement. Get all the pertinent information you can. If a lender gives you a good offer, see if another lender will match it or do even do better.

Student Loans

Double check all applications for errors. Bad calculations will affect the amount you can take out on a loan. If you are unsure, try talking with a financial aid specialist to help.

TIP! When applying for loans, be sure you provide accurate information. It can really affect what you’ll be offered if you file in error.

Student loans are vital for getting through college financially. Learning what you can about student loans prior to accepting them will help you be a much more responsible borrower. Apply what you’ve just read to make the process easier.

Make sure you fully grasp all repayment options. If you think your income initially will not support your bills, think about enrolling in graduated payments. This allows your initial payments to be smaller, then as time goes on they gradually increase when hopefully you are making more money.

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