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: March 20, 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 On Getting The Most From Student Loans

Don’t panic if you aren’t able to make a loan payment. Job losses and health emergencies are part of life. Know that there are options available such as a forbearance or deferment. Just remember that interest keeps accruing in many forms, so try to at least make payments on the interest to keep the balances from increasing.

TIP! Don’t be driven to fear when you get caught in a snag in your loan repayments. Unemployment and health emergencies can happen at any time.

Student loans can give you the ability to pay for some people. This article will tell you need. Read on and learn about the different strategies used to attack these loans.

Know how much time you have in your grace period from the time you leave school until you must begin paying back your loans. For example, you must begin paying on a Stafford loan six months after you graduate. Perkins loans often give you nine months. Other types of loans may vary. Know when you will have to pay them back and pay them on time.

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.

Know how long of a grace period built into having to pay back any loan. This usually means the period of time after your graduation when the payments are due. Knowing when this allows you to make sure your payments are made on time so you can avoid penalties.

Choose a payment plan that you will be able to pay off. In general, ten year plans are fairly normal for loan repayments. If you don’t think that is feasible, you should check for alternatives. For instance, you could be given more time but have to pay more interest. You might be eligible to pay a certain percentage of income when you make money. Some loans are forgiven in 25 years.

TIP! Be sure you select the right payment plan option for you. The ten year repayment plan for student loans is most common.

Always be aware of what all the information pertinent to your loans. You must watch your loan balances, know who you owe, and monitor your repayment progress. These details all factor heavily into your loan repayment options. You need this information if you want to create a good budget.

Select a payment option that works best for your situation. Many loans offer a ten year payment plan. If this isn’t right for you, you may be eligible for different options. For instance, you can possibly spread your payments over a longer period of time, but you will have higher interest. You can also do income-based payments after you start earning money. Certain types of student loans are forgiven after a period of twenty-five years.

TIP! Select the payment option best for your particular needs. A lot of student loans give you ten years to pay them back.

Don’t worry if something happens that causes you to miss payments on your student loans. Most lenders have options for letting you put off payments if you are able to document your job. Just remember that doing so may raise interest rates to rise.

When the time comes to repay student loans, pay them off based on their interest rate. Pay off the loan with the largest interest rate first. Using any extra cash available can help pay off student loans faster. There are no penalties for early payments.

TIP! Pay off your loans in order of interest rates. The one carrying the highest APR should be dealt with first.

Don’t panic if you cannot make a loan payment. Job loss and health emergencies are part of life. There are options like forbearance and deferments available for such hardships.Just remember that interest will continue to build in many of these options, so at least consider making interest only payments to keep balances from rising.

You may feel overburdened by your student loan payment on top of the bills you pay simply to survive. Loan rewards programs can help a little with this, however. Look at programs like SmarterBucks and LoanLink via Upromise. These are similar to cash back programs in which you earn rewards for each dollar you spend, and you can apply those rewards toward your loan.

TIP! You may feel overburdened by your student loan payment on top of the bills you pay simply to survive. A rewards program may help things.

Pay your loans using a two-step process. Always pay on each of them at least the minimum balance due. After that, you will want to pay anything additional to the loan with the highest interest.This will cut back on the amount of total interest you over time.

Two of the most popular school loans are the Perkins loan and the often mentioned Stafford loan. These two are considered the safest and most affordable. This is a great deal due to your education’s duration since the government pays the interest. The interest rate on a Perkins loan is 5 percent. Subsidized Stafford loans offer interest rates no higher than 6.8 percent.

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

If your credit is sub-par, you might need a co-signer for private student loans. You must pay them back! Otherwise, the co-signer will also be on the hook for your loans.

TIP! Bad credit will mean you need a cosigner on a private loan. It is critical that you make all your payments in a timely manner.

Select a payment plan that works well for you. Many loans allow for a ten year repayment period.There are many other options if this is not preferable for you. You might get more time with a greater interest rate. You may also possibly have the option of paying a set percentage of your post-graduation income. Some student loans get forgiven about 25 years later.

Keep in mind that your institution of learning may have ulterior motives for steering you toward specific lenders. Some schools let private lenders use their name. This can lead to misunderstandings. The school might get an incentive if you use a certain lender. It is important that you understand the entire loan contract before agreeing to it.

TIP! Keep in mind that your institution of learning may have ulterior motives for steering you toward specific lenders. There are institutions that actually allow the use of their name by specific lenders.

Prioritize your loan repayment of student loans by the interest rate of each one. The one carrying the highest APR should be paid first. Using additional money you have can get these loans more rapidly is a smart choice. There is no penalties for early payments.

Don’t buy into the notion that you can default on your loans to free up money. There are ways that the government can collect the money against your wishes. Claiming part of your income tax return or your Social Security payments are only two examples. It could also get part of your income as well. Usually, you will wind up being worse off than you were previously.

TIP! Do not think that defaulting will relieve you from your student loan debts. There are several ways the government can get their money.

The prospect of monthly student loan payments can be somewhat daunting for people that are on an already tight budget. There are loan rewards opportunities that can help people out. Look at websites such as SmarterBucks and LoanLink via Upromise.

Use caution when getting a private loan. It isn’t easy to know what the terms might be. Oftentimes, you aren’t aware of the terms until after you have signed the papers. After this happens, you may not be able to extricate yourself. Get all the necessary information. Compare offers and see if banks are willing to compete with each other for your loan.

TIP! Private student loans should be considered carefully before you sign. It may be challenging to find the terms.

Get the maximum bang for the buck on your student loans by taking as many credits each semester. Full-time status is usually 9-12 hours per semester, take a few more to finish school sooner. This will decrease the loan amounts.

You can use your student loan money more efficiently by purchasing meal plans that group meals together instead of charging dollar amounts. Rather than paying for costly meals each time you sit down to eat, you pay one flat fee that covers everything.

TIP! You can save money by purchasing a meal plan from the college cafeteria. The best way to do this is to pay for meals rather than a specific dollar amount.

Fill out each application completely and accurately for student loans with great accuracy to facilitate quick processing. Incorrect and incomplete loan information gums up the works and causes delays to your college education.

Find a job you can do on campus to help augment the income you get from student loans. By doing so you will not be relying solely on a loan and will also be able to earn some spending money.

TIP! Try to get a job to make money on the side. That way you can offset some of the expenses of your education in ways other than a loan, and you can also end up with some extra pocket money to carry around.

Be wary of private loans. It can be hard to find out what the terms are exactly. You may not know exactly what you are signing until it is too late.Get all the pertinent information as you can.

Be sure you know exactly how you plan to repay your student loans, and follow your plan diligently. Pay on time to keep your credit score high. If making multiple payments every month is difficult for your, student loan consolidation may be helpful.

TIP! Check out all your options to pay off students loans on time. Paying your student loans on time will help protect your credit score and prevent garnished wages.

Never depend totally on student loans in order to pay for college. Save your money wherever possible and do not forget to apply for scholarships. You may find some that will tell you what scholarships or grants you’re eligible to receive.Start your search early so that you’ll find the best information and assistance.

Take online classes to get the most from student loans. That way, you will be able to bolster your schedule and get the most out of your time. This helps you get in more hours per semester.

Get a meal plan at school to make the long run. This will prevent getting charged for extra dining money since it’s just a flat fee for every meal.

Prior to seeking loans from private sources, complete an application for federal loans. Federal loans have fixed interest rates and several other advantages. If you have a fixed rate loan, you don’t have to be surprised at the end of every month. Then it’s much easier to budget out your life over time.

TIP! Apply for federal loans before pursuing loans from private lender. These have fixed interest rates, which are beneficial.

Understand what options you for repayment. If paying back the loan will be an issue once you complete school, think about acquiring graduated payments. This way your initial payments are smaller and will gradually increase as your earning potential rises.

Pay attention to the loans with high interest rates, as those are the ones you should pay off first. This keeps your accrued interest down. It is essential, though, that you are on top of your loans and know the terms for each. Pay your loans on time and keep accurate records.

Student Loan

A great way to help properly manage your student loan is through a company called Tuition.io. This website assists with the organization of your loans and repayment. Also, you can make a note of your lenders so your records will be kept straight. It also lets you know if your loan terms change at all.

TIP! Tuition.io.

As you can see from the above article, a good education is possible when you can afford to attend school with a student loan. After reading these tips, you will see how simple it is to get that student loan. Apply what you have learned, and go to the college that you have dreamed about.

Have a talk with a financial professional long before you have a need for a student loan. This will give you some time to think about options. Waiting until it’s the last minute will leave you with some options that aren’t that great like a private loan with really high interest rates.

Copyright 2016-18. I Market Coaching. All rights reserved.