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: December 3, 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

Tips And Tricks For Dealing With Student Loans

Find out when you must begin repayments. This is generally the period after graduation when the payments are due. 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 your grace period before repayment of your loan is due. This generally means the period after you graduate where the payments will become due.

Student loans help to cover your living expenses while in college. Just know that loans differ from grants and scholarships, and it must be paid back.You have to pay the money back.To learn what you must know about any loans you take out, read this article.

Remain in contact with your lender. Update them anytime you change your email, name, address, or phone number, which is common in college. Read all letters which you are sent and emails, too. Do whatever you must as quickly as you can. Overlooking things can end up being very expensive.

TIP! Keep in close touch with your lender. Always let them know anytime your personal information changes, because this happens quite a bit when you’re in college.

Know what kind of a grace period is in effect before you must begin to make payments on the loan. This is the period of time you are allowed after your graduation before your payment is due. Knowing this allows 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.

Attend to your private college financing in a timely manner. Public loans are great, but you might need more. Many people do not know about private student loans, so it may be easier to get this type of financing. Check out this type of funding in your community, and you might get enough to cover your books for one semester or maybe even more.

TIP! Do not forget about private financing. Student loans from the government are plentiful, but they come with a lot of competition.

Keep in close touch with the lender. Make sure they know your personal information if it changes. Take any requested actions needed as soon as possible. Missing anything could make you valuable money.

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

TIP! If you are considering paying off a student loan early, start with the loans with high interest rates. You definitely want to pay down the ones with the highest interest rate, because taking care of the lower ones could cause you to end up paying more money.

Don’t fret when extenuating circumstances prevent you from making a student loan off because you don’t have a job or something bad has happened to you. Most lenders have options for letting you put off payments if you lose your current hardship. Just remember that doing so could make your interest rates rise.

Which payment option is your best bet? Many of these loans offer a ten year repayment period. There are many other options if you need a different solution. Understand if you choose a longer repayment period you will end up having to pay more in interest. Consider how much money you will be making at your new job and go from there. Some balances pertaining to student loans get forgiven about 25 years later.

TIP! Be sure you select the right payment plan option for you. Many of these loans offer a ten year repayment period.

Don’t overlook private financing to help pay for college. There is quite a demand for this as public student loans even if they are widely available. Explore the options within your community.

Choose the right payment option for you. 10 years is the default repayment time period. You may discover another option that is more suitable for your situation. For instance, you might secure a longer repayment term, but you will end up paying more in interest. You could also make payments based on your income. Some loan balances for students are let go when twenty five years have gone by.

Student Loans

Look to pay off loans based on their scheduled interest rate. Begin with the loan that has the highest rate. Any extra cash you have lying around will help you pay these quicker. You won’t have any trouble if you do your repayment faster.

TIP! To help with paying off your loans, start paying off the loans by order of the interest rate that comes with each. The highest rate loan should be paid first.

Use a two-step process that’s two steps to get your student loans. Begin by ensuring you can pay off on these student loans. After that, you will want to pay anything additional to the loan with the highest interest.This will lower how much money is spent over a period of time.

You should try to pay off the largest loans first. The less principal you owe overall, the less interest you will end up paying. Focus on the big loans up front. When you pay off a big loan, apply the payment to the next biggest one. The best system for repaying your student loans is to make large payments on your biggest student loan while continuously making the minimum payment on smaller student loans.

TIP! Pay off the loan with higher interest rates first so you can shrink the amount of principal you owe faster. You will reduce the amount of interest that you owe.

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, you may pay more interest that you have to.

Payments for student loans can be hard if you don’t have the money. There are rewards programs that can help. LoanLink and Upromise are two of these great programs. The are akin to cash back incentives, and the money spent works like a reward you can use toward your loan balance.

TIP! The idea of paying off a student loan every month can seem daunting for a recent grad on a tight budget. Rewards programs can help.

Stafford loans offer a period of six month grace period. Other types of student loans may vary. Know when you will have to pay them back and pay them on your loan.

Take a large amount of credit hours to maximize your loan. Generally, being a full-time student is seen as 9 to 12 hours per semester, but if you can squeeze in between 15 or 18, then you should be able to graduate sooner. This will help reduce how much you have to borrow.

TIP! To get the most out of your student loan dollars, take as many credit hours as possible. If you sign up for more course credits each semester you can graduate a lot quicker, which in the end will save you a lot of money.

Choose a payment option that you will be able to pay off. Many loans offer a ten year repayment period. There are other options if this is not preferable for you. You might get more time with a greater interest rate. You can put some money flows in. Some balances pertaining to student loans are forgiven about 25 years have passed.

Applying for a private loan with substandard credit is often going to require a co-signer. Make every payment on time. If you’re not able to, then the co-signer is going to be responsible for the debt you have.

TIP! If you try to get private loans with poor credit, you are sure to need a co-signer. Make your payments on time.

Choose the right payment options that best serve you. Many student loans come with a 10 year length of time for repayment. There are other ways to go if this doesn’t work. For instance, you may be able to take longer to pay; however, however you will probably have a higher interest rate. You might also make payments based on your income once you begin making money. Some loans’ balances get forgiven after twenty five years have passed.

Parents and graduate students can make use of PLUS loans. Their interest rate does not exceed 8.5%. Although this is greater than Perkins loans and Stafford loans, it’s much better than the private loan rates. This loan option is better for more established students.

Interest Rate

Do not think that defaulting will relieve you from your student loan debts. There are various ways that your finances can suffer because of unpaid student loans. For instance, it has the power to seize tax refunds as well as Social Security payments. In addition, they can garnish your wages and take a significant portion of your take home pay. You could end up worse off that you were before in some cases.

TIP! Defaulting on your loans is not an easy way out. The government has multiples ways to collect on debt.

Prioritize your repayment schedule by the interest rate of each one. The loan with the largest interest rate should be paid off first. Using additional money to pay off student loans more rapidly is a smart choice. There is no penalties for repaying sooner than warranted by the lender.

When you are completing your application for financial aid, be sure that there are no mistakes. It can really affect what you’ll be offered if you file in error. If you have any questions about the application, consult with your financial aid adviser at school.

TIP! When you are completing your application for financial aid, be sure that there are no mistakes. Accurately filling out this form will help ensure you get everything you are qualified to get.

With all of the informative material in this post, you are a step closer to being an expert about student loans! If you shop around, it is possible to get a better rate on your student loans. Just make sure you take all the time you need to make the best decision, and remember the information given here to help you find the best loan for you.

To extend to value of your loan money, try to get meal plans that do not deduct dollar amounts, but rather include whole meals. Rather than paying for costly meals each time you sit down to eat, you pay one flat fee that covers everything.

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