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: April 13, 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

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Want Information About Student Loans? This Is For You

Watch for the grace period which is available to you before you are required to repay the loan. This is the amount of time you have before the lender will ask that your payments need to start. When you stay on top of this, this will help you to maintain better financial control so that you don’t incur any extra fees or bad credit marks.

TIP! Learn about your loan’s grace period. This generally means the period after you graduate where the payments will become due.

Are you intimidated by the high school prices of tuition and books at colleges and universities?You may now wonder how many can afford expensive schools even during a downward economy. Many people use student loans to cover the cost of getting a degree.You have the ability to obtain loans too, and the following article has many tips on how to apply for one.

Always stay in contact with your lender. Tell them when anything changes, such as your phone number or address. Do not put off reading mail that arrives from the lender, either. Take any necessary actions as soon as you can. If you miss something, that can mean a smaller loan.

TIP! Stay in communication with all lenders. Make sure you update them with your personal information if it changes.

Know all the specifics about your loan. You need to stay on top of your balances, who your lender is and any current repayment status of your loans. These details are going to have a lot to do with what your loan repayment plans and if you can get forgiveness options. This information if you are to budget accordingly.

Private financing is always an option. Student loans from the government are plentiful, but they come with a lot of competition. A private student loan has less competition due to many people being unaware that they exist. 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! Don’t forgo private loans for college. Student loans are known to be plentiful, but there is so much competition involved.

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 keep in mind that doing so may cause the lender to raise the interest rates to rise.

Implement a two-step system to repay the student loans. Try to pay off the monthly payments for your loan. Next, pay as much as you can into the balance on the loan which has the greatest interest rate. It’ll help limit your spend over a given time.

TIP! When paying off student loans, do it using a two-step process. To begin, pay the minimum every month.

Do not panic if an emergency makes paying back student loans.Unemployment or a health emergencies can happen to you from time to time.There are options like forbearance and deferments available for most loans. Just know that the interest will build up in some options, so try to at least make payments on the interest to prevent your balance from growing.

Pay off your different student loans in terms of their individual interest rates. Pay off the highest interest rate loan first. By concentrating on high interest loans first, you can get them paid off quickly. Prepayment of this type will never be penalized.

TIP! When you pay off loans, pay them off from highest to lowest interest rates. Pay off the highest interest student loans first.

Pay your loan off using a two-step process. Always pay on each of them at least the minimum balance due. Second, pay anything extra to the loan with the highest interest rate, not the loan that has the largest balance. This will reduce how much money is spent over a period of time.

Pay the largest of your debts first. You won’t have to pay as much interest if you lower the principal amount. Stay focused on paying the bigger loans first. When you pay off a big loan, apply the payment to the next biggest one. Pay off the minimums on small loans and a large amount on the big ones.

TIP! You should try to pay off the largest loans first. The smaller your principal, the smaller the amount of interest that you have to pay.

Select a payment arrangement that works for you. Many loans offer 10-year payment term. There are many other options if you can’t do this. You might get more time with a greater interest rates. You might be eligible to pay a certain percentage of your income once you make money. There are even student loans that will be forgiven after a period of twenty five years passes.

For those on a budget already stretched to the max, the idea of a student loan can be scary. You can make things a bit easier with help from loan rewards programs. Look at programs like SmarterBucks and LoanLink via Upromise. The are akin to cash back incentives, and the money spent works like a reward you can use toward your loan balance.

Student Loans

Make sure to understand everything about student loans before signing anything. Asking questions and understanding the loan is essential. You could be paying more if you don’t.

TIP! Far too often people will rush into signing the student loan paperwork without carefully analyzing the terms and conditions of the loan. Ask to get clarification on anything you don’t understand.

Prioritize your repayment of student loans by interest rate. The highest APR should be paid first. Using the extra money you have can help pay off student loans faster. There will be no penalties for paying off a loan more quickly than warranted by the lender.

Fill out paperwork for student loans with great accuracy to facilitate quick processing. If you fail to fill out the forms correctly, there might be delays in financing that can postpone your education.

TIP! Be sure to fill your student loan application correctly. Incorrect or incomplete loan information can result in having to delay your college education.

Now that you know the very important information shared here about loans, you should have an easier time of snagging one for yourself. Use the above tips to fill out student loan forms to get the loans you need. Don’t let the cost of college keep you from getting a college education.

Defaulting on a loan is not freedom from repaying it. The federal government will go after that money in many ways. For example, it can step in and claim a portion of your tax return or Social Security payments. The government also has the right to claim 15 percent of all your income. You could end up worse off that you were before in some cases.

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