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: January 28, 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

Tips And Tricks About Obtaining Student Loans

Be sure you know all details of all loans. This will help you with your balance and repayment status. It will benefit you in getting your loans taken care of properly. This will allow you to budget effectively.

TIP! Always know all of the key details of any loan you have. Keep a running total on the balance, know the repayment terms and be aware of your lender’s current information as well.

Most college students today are unable to finish their education without the use of debt to get through school. The way to graduate in good financial shape is to know everything you can about student loans before getting any. Read on and learn all that you need to know in advance of applying for student loans.

Stay in touch with the lender. Anytime there are changes to your personal information such as where you live, phone number, or email, it is important they are updated right away. Read all mail you get from lenders. Do whatever you need to as soon as you can. If you don’t do this, then it can cost you in the end.

TIP! Make sure you stay in close contact with your lenders. Keep them updated on any change of personal information.

Don’t worry if something happens that causes you to miss payments on your student loan due to a job loss or another unfortunate circumstance. Most lenders have options for letting you put off payments if you lose your job. Just keep in mind that doing this may raise the interest rate on your loan.

Do not worry if you are unable to make a student loan payment because you lost your job or some other unfortunate circumstance has occurred. A lot of times, if you can provide proof of financial hardship, lenders will let you to delay your payments. Just remember that doing this may raise interest rates.

TIP! Remain calm if you discover that can’t make your payments due to an unforeseen circumstance. Many lenders give you a grace period if you are able to prove that you are having difficulties.

Select the payment option that is best for your needs. Many of these loans allow for a ten year repayment period. There are many other options if you can’t do this. You might get more time with a greater interest rate. You might be eligible to pay a percentage of your income when you begin making money.Some balances on student loans are forgiven after a period of 25 years has elapsed.

Do not panic if an emergency makes paying your loans temporarily difficult. Job loss and health crises are bound to pop up at one point or another. Do know that you have options like deferments and forbearance available in most loans. The interest will grow if you do this though.

Interest Rate

Pay off all your student loans using two steps. 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 minimize the amount of money you spend over time.

TIP! Use a two-step process to pay off your student loans. First you need to be sure that you know what the minimum payments for the loans will be each month.

Prioritize your loan repayment of student loans by interest rate of each one. Pay off the one with the largest interest rate first. Using the extra money to pay these loans more rapidly is a smart choice. There will be no penalty for paying off quicker.

Be sure you select the right payment plan option for you. In general, ten year plans are fairly normal for loan repayments. There are often other choices as well. For instance, you can stretch the payment period over a longer period of time, but you will be charged higher interest. You might be eligible to pay a certain percentage of income when you make money. Some student loan balances are forgiven after twenty five years has passed.

TIP! Identify and specifically choose payment options that are suited to your personal circumstances. A lot of student loans give you ten years to pay it back.

Reduce the total principle by getting things paid off your largest loans as quickly as possible. Focus on the big loans first. When you pay off one loan, apply the payment to the next biggest one. When you make minimum payments against all your loans and pay as much as possible on the largest one, you have have a system in paying of your student debt.

Anyone on a budget may struggle with a loan. There are frequently reward programs that may benefit you. Consider Upromise and other similar organizations. These are similar to programs that give cash back. When you spend, you get rewards that you can use on loans.

TIP! The concept of making payments on student loans each month can be frightening when money is tight. There are frequently reward programs that may benefit you.

Get the maximum bang for the buck on your student loans by taking as many credit hours each semester.Full-time is considered 9 to 12 hours per semester, so getting between 15 and 18 can help you graduate sooner.This will assist you minimizing your loan totals.

Take as many hours each semester as you think you can handle so you don’t waste any money. Try to graduate as soon as you possibly can by taking 15 or 18 hours each semester. This will keep your loans to a minimum.

Many people apply for their student loans and sign paperwork without reading what they are getting into. This is one way that lenders use to get scammed.

Lots of people don’t know what they are doing when it comes to student loans. Ask to get clarification on anything you don’t understand. This is one way a lender may collect more payments than they should.

Fill out paperwork the best that you can. Incorrect or incomplete information gums up the works and causes delays to your college education.

Stafford and Perkins loans are the best federal student loan options. These have some of the lowest interest rates. These are great options because the government handles your interest while you are in school. Perkins loans have an interest rate of 5%. Stafford loans offer interest rates that don’t go above 6.8%.

TIP! The best loans that are federal would be the Perkins or the Stafford loans. Many students decide to go with one or both of them.

Stafford and Perkins loans are two of the best federal student loan options. They are cheap and least costly loans. This is a great deal that you are in school your interest will be paid by the government. The Perkins loan interest rate of five percent. Subsidized Stafford loans offer interest rate cap of 6.8%.

Never depend totally on a loan to pay for your schooling. Be sure to save up as much money as possible, and take advantage of grants and scholarships too. Lots of great websites exist that can give you the help you need to connect with the providers of grants or scholarships that match your credentials. In order not to miss some of the best ones, start looking as soon as you know you need one.

TIP! Do not simply apply for loans and let that be the end of it. Save your money up in advance and do not forget to apply for scholarships.

One type of loan that may be helpful to grad students is the PLUS loans. They have an interest rate of no more than 8.5 percent. This rate exceeds that of a Perkins loan or a Stafford loan, but the rates are better for private loans. This makes it a good alternative for established and mature students.

Do not make errors on your aid application. This is critical for your ability to get the maximum amount in a loan that is available to you. If there is any doubt in your mind that you filled it out right, you should consult a financial aid rep at your school.

TIP! When applying for loans, be sure you provide accurate information. This will impact the types of student loans that are offered to you.

Take great care with private loans. It can prove difficult to find out what the terms are exactly. You may not know exactly what you are signing until it is too late.Get as much information as you need first.

To maximize the use of your student loan, purchase a meal plan which is based on the meal instead of how much it costs. This enables you to pay one flat price for every meal you eat, and not be charged for extra things in the cafeteria.

TIP! Get a meal plan on campus; this will save you money in the long run. This enables you to pay one flat price for every meal you eat, and not be charged for extra things in the cafeteria.

Do not depend entirely on student loans to finance your entire education. Save your money wherever possible and look into scholarships you might qualify for. There are several great websites that will help match you to scholarships and locate grants. Start looking early so that you’ll find the best prepared.

It is important to remain in contact with the lender. In this way, your lender will always be able to contact you with important information regarding your loan. It is also possible that the lender offers you advice with regard to repayment.

Student Loans

Consider finding a part time job on campus to supplement your income. This allows you to offset some of your expenses without a loan, and it can give you some spending money as well.

TIP! Look for a job that will bring in some secondary income. This will assist your overall finances and reduce the amount of money you must borrow.

If you are planning to attend college, you know that you will most likely incur debt from student loans. While college costs are as high as they are now, this is likely the case for just about everyone. You should feel better about handling student loans if you find you need one.

Find a way to pay off your loans quickly. It’s critical that you make all payments in a timely manner in order to keep your credit rating good and prevent wage garnishment. In the event that meeting your monthly obligations is overwhelming, consider loan consolidation as a viable option.

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