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: September 25, 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 On Making The Most Of Student Loans

Stay in communication with all lenders. Update them anytime you change your email, name, address, or phone number, which is common in college. Read all mail you get from lenders. Take the actions you need to take as quickly as you can. Neglecting something may cost you a fortune.

Student loans are very important because they allow us to be able to afford the expenses of higher education. This article describes how you can apply for student loans.

Don’t panic if you can’t make a payment due to job loss or another unfortunate event. When hardship hits, many lenders will take this into consideration and give you some leeway. This might increase your interest rate, though.

TIP! If you lose your job, face financial issues or some other bump in the road comes up, don’t worry about missing a payment. Usually, most lenders let you postpone payments if some hardship is proven.

Know how long of a grace periods your loans offer. This usually means the amount of time you have before the payments need to start. 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.

Do not forget about private financing. Public student loans are highly sought after. There’s much less competition for private student loans, with small pockets of money sitting around untapped from lack of attention. Explore the options in your community.

TIP! Private financing is one choice for paying for school. While you can easily find public ones, they have a lot of competition since they’re in demand.

Stay in communication with the lender. Make sure they know if your contact information changes. Take the actions needed as quickly as you can. Missing anything could make you owe a great deal of money.

Don’t panic if you have a slight hiccup when paying back your loans. Anything can come up and interfere with your ability to pay, such as a medical emergency or getting laid off from work. Virtually all loan products offer some form of a forbearance or deferment option that can frequently help. 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! Do not panic when you are faced with paying back student loans. Anything can come up and interfere with your ability to pay, such as a medical emergency or getting laid off from work.

Don’t panic if you get caught in a loan payment. 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 remember that interest is always growing, so try to at least make payments on the interest to keep the balances from increasing.

Keep in mind the time that’s allotted to you as your grace period from when you get out of school until you have to start paying back the loan. Many loans, like the Stafford Loan, give you half a year. Perkins loans have a nine month grace period. Other loans will vary. Know when you will have to pay them back and pay them on time.

Focus on the high interest rates. If you solely base your repayment by which ones have a lower or higher balance, it can cost you extra in the end.

Get a payment option that works for you. Many loans offer a decade-long payment term. There are other choices available if this is not preferable for you. You might be able to extend the plan with a greater interest rate. It may also be possible for you to dedicate a portion of your salary to loan repayment once you have a regular paycheck coming in. There are even student loans that can be forgiven after a period of twenty five years passes.

TIP! Figure out what will work best for your situation. Ten year plans are generally the default.

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

Stafford and Perkins loans are two of the best that you can get. They tend to be affordable and entail the least risk. They are a great deal because the government pays the interest on them during the entirety of your education. The Perkins loan has an interest rate of five percent. The interest rate on Stafford loans that are subsidized are generally no higher than 6.8 percent.

TIP! Stafford and Perkins loans are the most advantageous federal loans to get. These two are considered the safest and most affordable.

Select the payment option that works for your particular situation. Many loans offer a ten year payment plan. There are many other choices available if you can’t do this. You might get more time with a greater interest rates. You might be eligible to pay a percentage of your income when you begin making money.Some student loans get forgiven about 25 years later.

PLUS loans are known as student loans for parents and also graduate students. Normally you will find the interest rate to be no higher than 8.5%. This costs more than Perkins or Stafford loans, but it will be a better rate than a private loan. It might be the best option for you.

TIP! Look into PLUS loans for your graduate work. Their interest rate does not exceed 8.

Choose the payment option that fit your needs. Many loans offer a ten year payment plans. There are other ways to go if this doesn’t work. For example, you can take a longer period to pay, however you will probably have a higher interest rate. You can also do income-based payments after you are bringing in money. Certain student loans are forgiven after a period of twenty-five years.

Your school could have an ulterior motive for recommending you pursue your loan through particular lenders. Many institutions allow selected private lenders to use the school name in their promotions. This may be deceiving. They may receive a type of payment if certain lenders are chosen. Be sure you know what a loan is all about before you decide to utilize it.

Largest Loans

Defaulting on your loans is not an easy way out. The government has many ways to get the money. Claiming part of your income tax return or your Social Security payments are only two examples. The government even has the right to take up to fifteen percent of what it deems your disposable income. Most of the time, it will results in a worse financial situation for you.

TIP! Don’t buy into the notion that you can default on your loans to free up money. The government will often still get its money back anyway.

Reduce your total principle by paying off the biggest loans first. Focus on the largest loans up front. When you pay off a big loan, just start paying on the next ones you owe. When you make an effort to pay off your largest loans with the largest payments possible and pay the minimum on smaller loans, you have have a system in paying of your student debt.

Keep your eyes open when dealing with a private student loan. It can be difficult to figure out what the terms are exactly. Never sign an agreement without understanding the terms of the contract. And at that moment, it may be too late to do anything about it. Find out as much as you can about them. If a lender gives you a good offer, see if another lender will match it or do even do better.

TIP! Private student loans are very volatile. Understanding every bit of these loans is difficult.

Be sure to fill your student loan applications neatly and properly to avoid any delays in processing. Incorrect and incomplete loan information can result in having to delay your college education.

Don’t finance your whole college education by using student loans. Save money wherever possible and look into scholarships you might qualify for. 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. Be sure you start to search soon so you’re able to qualify for the best deals.

TIP! Avoid relying totally on student loans when it comes to paying for your education. Keep in mind that you need to put money aside and investigate grants and scholarships that may offer you some financial assistance.

Stafford and Perkins loans are the best that you can get. These are highest in affordability and are safe to get. This is a great deal because while you are in school your interest will be paid by the government. The Perkins Loan has a small five percent rate. The subsidized Stafford loan only has an interest rate of 6.8 percent.

When you are completing your application for financial aid, be sure that there are no mistakes. This is key, as it can determine how much loan money you can receive. Talk to a financial aid representative for more advice on the process.

Student Loans

In order to maximize your student loan, try not to overspend by buying meal plans which offer per year, not a dollar amount. This will prevent getting charged for extras and allows you to just pay a flat price for every meal you eat.

TIP! If you want to stretch out your student loans a little farther, get a meal plan which deals in terms of meals instead of dollar amounts. This enables you to pay one flat price for every meal you eat, and not be charged for extra things in the cafeteria.

Because higher education is very expensive these days, student loans are fairly necessary for those who wish to attend college or university. Student loans are much easier to get when you have the right ideas in mind. Thankfully you came across this article, and now you can put this information to good use. Acquire the education you need with carefully selected student loan programs.

Stay in touch with the lender providing your loan. You must know all that you can about your loan, and this includes all requirements, possible penalties, etc. You should also ask the lender if they have any advice that will help you to pay off your loan more quickly.

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coaching@imarketsupport.com

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