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

Be mindful of any grace period you have prior to having to repay your loan. The grace period is the period between when you graduate and when you have to start paying back your loans. Being aware of this information allows you to make your payments in a timely manner so that you do not incur costly penalties.

Getting a high quality education takes you succeed in life. Read on so you can attend a loan and go to school!

Always be mindful of specific loan details. Keep track of this so you know what you have left to pay. It will benefit you in getting your loans taken care of properly. This information is essential to creating a workable budget.

TIP! Know all the little details of your student loans. You need to stay on top of your balances, your lenders and the repayment status in which you find yourself at any given time.

Know what kind of grace period is in effect before you must begin to make payments on the loan. This is generally the period after graduation when the payments are now due. Knowing this is over will allow you to make sure your payments are made on time so you don’t have a bunch of penalties to take care of.

Think about getting a private loan. Even though there are plenty of student loans publically available, you are faced with more people trying to secure them. A private student loan has less competition due to many people being unaware that they exist. Check your local community for such loans, which can at least cover books for a semester.

TIP! Remember private financing. Student loans are known to be plentiful, but there is so much competition involved.

Know the little details of your student loans. You must watch your loan balances, know who you owe, and what the repayment status currently is with loans. These details all have a big impact on any loan forgiveness or repayment options. This is must-have information is necessary to plan your budget wisely.

Paying down your student loans should be done using a two-step payoff method. Begin by figuring out how much money you can pay off on these student loans. Second, pay extra on the loan that has the highest interest. It’ll help limit your spend over a given time.

TIP! There are two main steps to paying off student loans. First, always make minimum payments each month.

Don’t panic if something happens that causes you can’t make a payment due to job loss or another unfortunate event. Most lenders can work with you put off payments if you are able to document your job. Just be aware that doing so may cause the lender to raise the interest rates to rise.

When it comes time to pay back your student loans, pay them off from higher interest rate to lowest. The one carrying the highest APR should be dealt with first. Using the extra money you have can get these things paid off quicker later on. There is no penalty for paying off your loans early.

TIP! Pay off your different student loans in terms of their individual interest rates. You should always focus on the higher interest rates first.

Focus initially on the high interest rates. If you solely base your repayment by which ones have a lower or higher balance, there’s a chance you’ll be owing more at the end.

Pay off big loans with higher interest rates first. The less principal you owe overall, the less interest you will end up paying. Make a concerted effort to pay off all large loans more quickly. Continue the process of making larger payments on whichever of your loans is the biggest. By making minimum payments on all of your loans and the largest payment possible on your largest loan, you will systematically eliminate your student loan debt.

Stafford loans typically give you six month grace period. Other loans can vary. Know when you are to begin paying on time.

You may feel overburdened by your student loan payment on top of the bills you pay simply to survive. There are loan rewards programs that can help with payments. Look at websites such as SmarterBucks and LoanLink to learn about this kind of program offered by Upromise. These work like cash back programs, and the money you spend earns rewards that can be applied toward your loan.

TIP! If you don’t have a lot of “extra” money, student loans can really make life difficult for you. That can be reduced with loan rewards programs.

Select a payment arrangement that works well for your needs. Many loans allow for a ten year repayment period.There are many other options if this is not preferable for you. You might get more time with a greater interest rates. You may have to pay a certain percentage of your income after you make money. Some balances on student loans offer loan forgiveness after a period of 25 years.

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

Student Loans

PLUS loans are available if you are a graduate student or the parent of one. Normally you will find the interest rate to be no higher than 8.5%. This is higher than Stafford loans and Perkins loans, but it is better than rates for a private loan. For this reason, this is a good loan option for more mature and established students.

TIP! PLUS loans are known as student loans for parents and also graduate students. Their interest rate doesn’t exceed 8.

Choose payment option that best serve you. Many student loans come with a 10 year repayment plan. There are other options if this is not right for you.For example, you can take a longer period to pay, your interest will be higher. You could also do income-based payments based on your income. The balances on student loans is forgiven once 25 years have elapsed.

Do not consider the idea that a default on your student loan will give you freedom from your debt. The federal government will go after that money in many ways. For example, the government can take a cut from your Social Security payments or your tax return. The government can also lay claim to 15 percent of your disposable income. You can easily find yourself in a very bad position that will take many years to get out of and cause many headaches.

TIP! Defaulting on your loans is not an easy way out. There are several ways the government can get their money.

As previously stated, many people want a good education, but it’s hard when the costs are so high. Now that you better understand student loans, getting into the school you desire should be easier. Remember this advice when applying for student loans.

Use caution when getting a private loan. Understanding every bit of these loans is difficult. Never sign an agreement without understanding the terms of the contract. Once that happens, you may find it difficult to get out of the agreement. Try to get every bit of information you can obtain. If a lender gives you a good offer, see if another lender will match it or do even do better.

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