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: July 18, 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: What Every Student Should Know

Be mindful of any grace period you have prior to having to repay your loan. In order words, find out about when payments are due once you have graduated. When you know what it is, you will have time to make a payment plan that will help you pay on time without penalties.

TIP! Know that there’s likely a grace period built into having to pay back any loan. Typically this is the case between when you graduate and a loan payment start date.

Student loans are very important if you must do your homework on. College is costing more and more each year, and most folks can’t afford to pay for it out of pocket. Luckily, if someone is able to learn what they can about student loans, getting the right type of agreements need not be a headache.

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. These details are imperative to understand while paying back your loan. This also helps when knowing how prepare yourself when it comes time to pay the money back.

TIP! Be aware of the terms of any loans you take out. Keep track of this so you know what you have left to pay.

Know how long of a grace periods your loans offer. This usually means the period of time after graduation where the payments need to start. Knowing when this allows you to make sure your payments are made on time so you can avoid penalties.

Make sure you are in regular contact with the lender. Keep them updated on your personal information. In addition, when you get mail from your lender, be sure to read everything. Take whatever actions are necessary as soon as you can. It can be quite costly if you miss anything.

TIP! Speak with your lender often. 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.

Don’t worry if you from making a payment 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 know that doing so could make your interest rates rise.

Private financing is something that you may want to consider. Though federal loans are common, competition in the market does exist. Many people do not know about private loans; therefore, they are usually easier to get. Explore the options in your community.

TIP! Private financing could be a wise idea. Public loans are available, but there is often a lot of competition for them.

There are two main steps to approach the process of paying off student loans. Begin by ensuring you can pay off on each of your loans. Second, make extra payments on the loan whose interest rate is highest, and not just the largest balance. This will lower how much money is spent over the long term.

Never do anything irrational when it becomes difficult to pay back the loan. Life problems such as unemployment and health complications are bound to happen. Remember that forbearance and deferment options are widely available on a lot of loans. However, the interest will build during the time you are not making payments.

TIP! Don’t let setbacks throw you into a tizzy. Health emergencies and unemployment are likely to happen sooner or later.

Select the payment plan that works well for you. Many loans allow for a 10 year repayment period. There are other options if this is not preferable for you. You might be able to extend the plan with a greater interest rates. You might be eligible to pay a certain part of your income when you get some work. Some balances pertaining to student loans are forgiven in 25 years.

Focus initially on the high interest loans. Do not simply pay off the loan that has the smallest amount remaining.

TIP! If you plan to prepay your loans, try to pay those with the highest interest rates first. If you base your payment on which loans are the lowest or highest, there is a chance that you will end up owing more money in the end.

Pay off your different student loans in terms of interest rates. The highest rate loan should be dealt with first. Using additional money you have can get these things paid off quicker later on. There are no penalty for paying off a loan more quickly than warranted by the lender.

Check the grace period of your student loan. For Stafford loans, the period is six months. Perkins loans often give you nine months. Grace periods for other loans vary. Know exactly the date you have to start making payments, and never be late.

TIP! Know what the grace period is before you have to start paying for your loans. If you have Stafford loans, you will usually have about 6 months.

Stafford and Perkins are the best federal student loan options. These two are the most affordable and the safest. This is a great deal because while you may want to consider. The Perkins Loan has a small five percent. Subsidized Stafford loans have a fixed rate that goes no higher than 6.8 percent.

Make certain that the payment plan will work well for you. Many student loans offer 10 year payment plans. If this won’t work for you, there may be other options available. It is sometimes possible to extend the payment period at a higher interest rate. You might also be able to pay a percentage of your income once you begin making money. Some student loan balances are forgiven after twenty five years have passed.

TIP! Make sure your payment option fits your specific situation. Many loans offer a ten year payment plan.

If you need for a student loan and do not have good credit, you might need a cosigner. It is critical that you keep up with all of your payments. If you do not, your co-signer will also be liable.

Take a large amount of credit hours to maximize your loan. 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. This helps reduce the total of loans.

TIP! Take as many hours each semester as you think you can handle so you don’t waste any money. You may be able to scrape by with 12 hours, but try to at least carry 15 per semester.

Do not think that you from your student loan debts. The government has multiple options available to recover its money back. They can take this out of your taxes or Social Security. It could also possible for the government to garnish your wages. You could end up worse off in some cases.

Fill out your paperwork the best that you can. Incorrect or incomplete loan information can result in having to delay your college education.

TIP! 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 give wrong or incomplete information, it can slow down processing and you may not be able to start when you planned.

Take extra care when it comes to taking out private loans. It isn’t easy to know what the terms are. You may not even know them until you’ve signed the document. Learn about the loan first.

The two best loans on a federal level are called the Perkins loan and the Stafford loan. These are highest in affordability and safety. They are an excellent deal because for the duration of your education, the government will pay your interest. The Perkins loan has an interest rate of five percent. Subsidized Stafford loans have an interest rate cap of 6.8%.

TIP! The simplest loans to obtain are the Stafford and Perkins. Many students decide to go with one or both of them.

It almost seems as though student loans are as much a part of the universal college experience as football games and dorm rooms. Deciding which loan is ideal is not something to take overlook. It’s important to learn all that’s necessary about these loans to keep from getting burned over time.

If you get a student loan that’s privately funded and you don’t have good credit, you have to get a co-signer most of the time. Keep your payments up to date. If you fail to do so, the co-signer will be responsible for the payments.

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