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: November 23, 2020

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: You Can Learn More, Start Here

Verify the length of the grace specified in the loan. The grace period is the time you have between graduation and the start of repayment. 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! Verify the length of the grace specified in the loan. This is generally a pre-determined amount of time once you graduate that the payments will have to begin.

A student loan is something that many people have to take out at a future point in their life. Maybe it’s now, or perhaps it’ll happen down the road. No matter when it may happen, having extensive knowledge of the loan process will be very helpful. The following advice will help you more about student loans.

Do not panic if a job loss or other emergency makes paying your student loan difficult. When hardship hits, many lenders will take this into consideration and give you some leeway. Just keep in mind that doing this might cause the lender to raise the interest rate on your loan.

TIP! Don’t worry about not being able to make a payment on your student loans if something unexpected like job loss has happened. Most lenders will let you postpone payments when experiencing hardship.

Know how long of a grace period built into having to pay back any loan. This is generally 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.

Try not to panic if you can’t meet the terms of a student loan. There is always something that pops up in a persons life that causes them to divert money elsewhere. There are options such as deferments and forbearance that are available with most loans. But bear in mind that interest will still accrue, so consider making whatever payments you can to keep the balance in check.

TIP! Don’t get too stressed out if you have trouble when you’re repaying your loans. Job losses or unanticipated expenses are sure to crop up at least once.

Always be aware of specific loan you take out. You need to be able to track your balance, who the lender you’re using is, and what the repayment status currently is with loans. These facts will affect future repayment plans and forgiveness options. You have to have this information to budget yourself appropriately.

Use a two-step process to pay off your student loans. First, make sure that you meet the minimum monthly payments of each individual loan. Second, you will want to pay a little extra on the loan that has the higher interest rate, and not just the largest balance. That way, you will end up spending a lesser amount overall.

TIP! Work hard to make certain that you get your loans taken care of quickly. First, always make minimum payments each month.

Keep in close touch with the lender you’re using. Make sure you let them know if your current address and phone number. Take any requested actions needed as soon as possible. Missing anything could make you owe a great deal of money.

Select a payment plan that works for your needs. Ten year plans are generally the default. If these do not work for you, explore your other options. For example, you might be given a longer time to pay. Keep in mind that this option comes with higher interest. Also, paying a percent of your wages, once you start making money, may be something you can do. Some balances on student loans are forgiven when twenty-five years have passed.

TIP! Think about what payment option works for you. Lots of student loans offer ten-year repayment plans.

Don’t panic if you can’t make a payment. Most lenders have options for letting you if you lose your current hardship. Just be mindful that the interest rates may rise.

Make sure your payment option fits your specific situation. In most cases, 10 years are provided for repayment of student loans. You can consult other resources if this does not work for you. You could extend the payment duration, but you’ll end up paying more. Another option some lenders will accept is if you allow them a certain percentage of your weekly wages. It may be that your loan will be forgiven after a certain period of time as well.

TIP! Choose a payment option based on your circumstances. Most student loans allow for repayment over ten years.

Don’t be driven to fear when you get caught in a slight hiccup when paying back your loans. Job losses and health crises are bound to pop up at one point or another. There are options like forbearance and deferments for such hardships. Just know that the interest will build up in some options, so making interest-only payments will at least keep your balance from rising higher.

When you pay off loans, pay them off from highest to lowest interest rates. The loan with the most interest should be paid off first. Apply any extra dollars you have to pay off student loan balances faster. You don’t risk penalty by paying the loans back faster.

TIP! To help with paying off your loans, start paying off the loans by order of the interest rate that comes with each. Pay off the one with the highest interest rate first.

Focus initially on paying off student loans with high interest rates. If you get your payments made on the loans that have the lowest or the highest, there’s a chance you’ll be owing more at the end.

The thought of paying on student loans can be daunting. You can make things a bit easier with help from loan rewards programs. For instance, check out SmarterBucks and LoanLink, both of which are offered by Upromise. Similar to popular cash-back programs, each dollar spent accrues rewards that are applied against your loan balance.

Stafford loans typically allow six months of grace period. Other kinds of student loans can vary. Know when you are to begin paying on time.

Be sure to read and understand the terms of any student loans you are considering. It’s essential that you inquire about anything that you don’t understand. Don’t let the lender take advantage of you.

Interest Rate

Stafford and Perkins loans are the best federal student loan options. They are cheap and safe. These are good loans because the government pays the interest while you are still in school. The Perkins loan has a small five percent rate. The Stafford loan only has a rate of 6.8 percent.

TIP! The Perkins Loan and the Stafford Loan are both well known in college circles. Generally, the payback is affordable and reasonable.

Prioritize your repayment of student loans by interest rate. The loan with the most interest rate should be your first priority. Using the extra money you have can get these loans more rapidly is a smart choice. There is no penalties for paying off your loans early.

Your school could be biased toward certain lenders. Some let these private lenders use their name. This is oftentimes quite misleading to students and parents. The school might be getting payment if you choose to go with certain lenders. Be sure you know what a loan is all about before you decide to utilize it.

TIP! Why would your school recommend a certain lender to you? Some lenders use the school’s name. This is really quite misleading.

Pay off your biggest loan to reduce your total principal. Focus on paying the big loans off first.Once a big loan is paid off, transfer the payments amounts to the loans with the next highest balances. When you make an effort to pay off your largest loans with the largest payments possible and pay the minimum on smaller loans, you get rid of the debts from your student loans systematically.

Double check to ensure that your loan application doesn’t have errors. Errors on your application can alter the amount you are loaned. If you are unsure, try talking with a financial aid specialist to help.

TIP! When you are completing your application for financial aid, be sure that there are no mistakes. If you do not fill it out correctly, you may not get as much money from the school.

The prospect of monthly student loan every month can be somewhat daunting for someone on hard budget already. You can minimize the damage a little with help from loan reward programs. Look at the SmarterBucks and LoanLink to learn about this kind of program offered by Upromise.

Always stay connected to your lenders. This can help you understand how to pay back your loan efficiently. They may give you some wise advice for repaying the loans.

Many people get student loans and sign paperwork without reading the fine print. This is an easy way a lender to get more money than they are supposed to.

Be aware of what options you have for repayment. Securing a graduated payment agreement can make repayment of your loans easier when you graduate from college. Your payments will be smaller and will increase later on.

TIP! Figure out what you have as repayment options. If you expect it to be a struggle to make ends meet financially right after you finish school, consider signing up for graduated payments.

After all is said and done, you may need a student loan sometime in the near or the far future. Understanding the process can make a substantial difference in what you eventually owe upon graduating. The preceding article provided you with this information. Utilize the tips well.

If possible, maintain a job while you are attending school. This is a great idea because you have additional money coming in that can help supplement the money coming in from the student loan, and help pay some expenses.

Copyright 2016-18. iMarket Coaching. All rights reserved.