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 16, 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

Tips And Tricks For Dealing With Student Loans

adviser

Always know all the information pertinent to your loans. You need to be able to track your balance, know who you owe, and what your repayment status is. These details will significantly influence the repayment options available to you, as well as the loan forgiveness terms you will face. Budgeting is only possible with this knowledge.

Some people find it necessary to rely on student loan to get the education they desire.This article will help you on the process.

If you are considering paying off a student loan early, start with the loans with high interest rates. If your payment is based on what loans are the highest or lowest, there’s a chance you’ll be owing more at the end.

TIP! Focus on paying off student loans with high interest rates. Repaying based on balance size could actually cause you to pay more in interest than you otherwise would have.

Keep in contact with the lender you’re using. Make sure you let them know your current address and phone number.Take any requested actions needed as soon as possible. Missing anything in your paperwork can cost you owe a lot more money.

Choose the right payment option for you. Many of these loans have 10-year repayment plans. If this isn’t right for you, you may be eligible for different options. For example, you may be able to take longer to pay; however, your interest will be higher. You may also have the option of paying a percentage of income you earn once you start earning it. Certain types of student loans are forgiven after a period of twenty-five years.

TIP! Pick a payment plan that suits your particular needs. Many student loans will offer a 10 year repayment plan.

Don’t be scared if something happens that causes you can’t make 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 remember that doing so could make your interest rates.

When repaying student loan obligations, prioritize them by interest rate. It’s a good idea to pay back the loan that has the biggest interest rate before paying off the others. Do what you can to put extra money toward the loan so that you can get it paid off more quickly. Student loans are not penalized for early payoff.

Don’t forgo private loans for your college years. There is quite a demand for public loans. Explore the options within your community.

Pay off big loans with higher interest rates first. You won’t have to pay as much interest if you lower the principal amount. Focus on paying the largest loans off first. When you pay off a big 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 can eventually eliminate all your student debt.

TIP! Pay the largest of your debts first. That means you will generally end up paying less interest.

Don’t panic if you have a snag in your loan repayments. Unemployment or health problem can happen to you from time to time. There are options like forbearance and deferments for such hardships. Remember that interest accrues in a variety of ways, so it’s important to at least make the interest portion of your loan payments.

Payments for student loans can be hard if you don’t have the money. A good loan rewards program can make it all more manageable. Look into something called SmarterBucks or LoanLink and see what you think. They will make small payments towards your loans when you use them.

Stafford loans provide a six months of grace period. Other loans can vary. Know when you will have to pay them back and pay them on your loan.

Some people apply for loans and sign the papers without understanding the terms. It is essential that you question anything you do not clearly understand. A lender may wind up with more money that necessary if there is a term that you don’t understand.

Student Loans

Bad credit will mean you need a cosigner on a private loan. Making payment on time is very important. If you don’t your co-signer will be responsible for it.

TIP! If your credit isn’t the best and you are applying for a student loan, you will most likely need a co-signer. It is vital that you stay current on your payments.

Choose payment option based on your financial circumstances. Many student loans will offer a 10 year repayment plans. There are other options if this is not right for you.For example, you might secure a longer repayment term, but this will increase your interest.You can also do income-based payments after you pay a certain percentage of your overall post-graduation income. Sometimes student loans are forgiven after an extended period of time.

Don’t think that you won’t have to pay your debt back. There are many tools in the federal government’s arsenal for getting the funds back from you. They can take your income taxes or Social Security. They can also take a chunk of the disposable income you have. In most cases, you’ll end up in a worse position than before.

TIP! Do not consider the idea that a default on your student loan will give you freedom from your debt. The government has several collection tools at its disposal.

Get many credits each semester. Full-time is considered 9 to 12 hours per semester, so getting between 15 and 18 can help you graduate sooner.This lets you minimize the amount of loan amounts you need.

Keep the communication lines open with your student loan lender. This is important because you should know everything about your loan including what is stipulated by your repayment plan. Speak with your lender to get advice on how you should go about paying off the loan.

TIP! Talk to your lender if you want to gain insight on your loan. This is something you have to do so you know what your loan is all about and what you have to do to pay the loan back later on.

If you need for a student loan and do not have good credit, you’ll most likely need to use a co-signer. It is very important that you keep current with all of your payments. If you get yourself into trouble, the person who co-signed is equally responsible for your debt.

If possible, maintain a job while you are attending school. You may be able to pay for some things yourself, and you will have a little extra money to hang out with friends.

TIP! Try finding on-campus employment to supplement your student loan. This can offset your expenses somewhat and also give you some spending money.

Double check your loan application for mistakes before you submit it. This is something to be careful with because you may get less of student loans that are offered to you. Ask for help from an adviser if you are uncertain.

Always make sure you’re in the know about the payback terms. Some loans may offer different options, and many of them offer a grace period. You should be clear about your loan details and what your lender expects. Before you enter into any loan contracts, find out about these things.

TIP! Know the ins and outs of the payback of the loan. A grace period is offered in some loans, others offer a forbearance, and other circumstances may dictate other options.

Stay in contact with the lender providing your loan. This is key because you should know everything about your loan and the terms regarding its repayment. Your lender should also provide some valuable tips to you.

Let your lender know immediately if you aren’t going to be able to make your payment. You are more likely to get your lender to help you if you are honest with them. You might be able to lower your payments or take a few months off.

TIP! Contact the lender quickly if you suspect you will find it difficult to make your payment on time. You are more likely to get your lender to help you if you are honest with them.

Understand the options you for repayment. If paying back the loan will be an issue once you complete school, try applying for graduated payments. This ensures your initial payments aren’t huge and gradually increase over time when you hopefully are earning more money.

Stay in touch with your lenders when you graduate. Make sure they are updated in regard to your contact info. This means that you are going to know about any terms changes or new lender facts. You must also let them know if you transfer, withdraw, or graduate.

Student Loans

To minimize the amount of student debt you incur, take as many Advanced Placement and dual credit courses as you can while you are in high school. These classes can count as college credits, which will allow you to pay for less hours of college.

TIP! Take AP classes in high school to lessen your debt. You can cut out some of your college credits using dual credit classes or Advanced Placement exams, which means less college hours you have to wind up financing.

Student loans are often necessary and important to the college process. Given your new insights, you now have the tools you need to proceed wisely. Use what you’ve learned here and student loans will be easier for you to obtain.

Investigate all your choices for repayment options to make sure you stay current with them. Making your student loan payments on time is important for protecting your credit score and paycheck. You may find it simpler to keep track of if you consolidate.

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