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: May 12, 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

Find out when you must begin repayments. This is typically a six to nine month period after your graduation before repayments start. Being aware of this will help you get a jump start on payments, which will help you avoid penalties.

TIP! Verify the length of your grace period before repayment of your loan is due. This is generally the period after graduation when the payments are due.

Student loans are extremely important today. College isn’t cheap, so these loans become vital. Luckily, with some helpful tips, using and paying for student loans is covered in this article.

Always keep in touch with all of your lenders. Always let them know anytime your personal information changes, because this happens quite a bit when you’re in college. Do not put off reading mail that arrives from the lender, either. You must act right away if information is required. If you miss important deadlines, you may find yourself owing even more money.

TIP! Stay in contact with all lenders. Always let them know anytime your personal information changes, because this happens quite a bit when you’re in college.

Keep in touch with your lender. Make sure you let them know your contact information changes. Take any requested actions needed as soon as you can. Missing anything could make you owe a great deal of money.

Don’t worry if you can’t pay a student loan off because you don’t have a job or something bad has happened to you. Lenders will typically provide payment postponements. However, you may pay an increase in interest.

TIP! There is hope for you if you find yourself in a tight financial spot where you cannot keep up with student loan payments. Generally, your lender will work with you during difficult situations.

Don’t be driven to fear when you get caught in a snag in your loans. Unemployment and health emergencies can happen to you from time to time. There are forbearance and deferments available for most loans. Just know that the interest will build up in some options, so making interest-only payments will at least keep your balance from rising higher.

You don’t need to panic if a problem arises during repayment of your loans. Job losses and health emergencies are part of life. Remember that forbearance and deferment options are widely available on a lot of loans. However, the interest will build during the time you are not making payments.

Student Loans Offer

When paying off your loans, go about it in a certain way. To begin, pay the minimum every month. Second, you will want to pay a little extra on the loan that has the higher interest rate, and not just the largest balance. This will lower how much money is spent over time.

TIP! When paying off your loans, go about it in a certain way. First, always make minimum payments each month.

Choose a payment option that you will be able to pay off. Many student loans offer a ten year repayment period. There are often other options if you need a different solution. You might get more time with a greater interest rates. You might also be able to pay a certain percentage once you finally do start making money. Some student loans offer loan forgiveness after a period of 25 years.

If you are thinking about paying off any of your student loans ahead of schedule, you should focus on the ones that have the highest interest. Calculating the terms properly will prevent spending more money than is necessary by the end of the loan.

TIP! If you are in the position to pay down your student loans, make the high interest loans your first priority. Basing payments on the highest and lowest amounts can make you end up paying more money later.

Select the payment choice that works best for you. Many student loans will offer payment over a decade. There are other ways to go if this doesn’t work. For example, you could extend the amount of time you have to pay, but this will increase your interest. You may negotiate to pay a set percentage of your income once you begin making money. The balances on student loans is forgiven after 25 years have elapsed.

It is important to know how much time after graduation you have before your first loan payment is due. For Stafford loans, it should give you about six months. If you have Perkins loans, you will have 9 months. For other loans, the terms vary. Be sure you know exactly when you will be expected to begin paying, and don’t be late!

TIP! Know how much time you have in your grace period from the time you leave school until you must begin paying back your loans. Stafford loans offer a period of six months.

Prioritize your repayment schedule by interest rate. The loan with the most interest should be paid down fastest and first. Using any extra cash available can help pay off quicker later on. There will be no penalties for paying off a loan faster.

Select a payment plan that works for your needs. The ten year repayment plan for student loans is most common. If you can’t make this work for your situation, check out other options if you can. Understand if you choose a longer repayment period you will end up having to pay more in interest. You can put some money towards that debt every month. Some loans are forgiven in 25 years.

TIP! Select a payment plan that works for your needs. Many of these loans offer a ten year repayment period.

Reduce the total principle by getting things paid off as quickly as possible. Focus on the largest loans off first. After the largest loan is paid, you can transfer your payments to the second largest one. If you make minimum payments on your loans while paying as much as possible on the largest loan, your student loan balances will disappear.

Far too often people will rush into signing the student loan paperwork without carefully analyzing the terms and conditions of the loan. Asking questions and understanding the loan is essential. This is one way a lender may collect more payments than they should.

TIP! Too often, people will accept student loans without contemplating the legal implications. You must ask the right questions to clarify what you don’t understand.

The prospect of monthly student loan every month can seem daunting for someone on a tight budget. You can make things a little with loan reward programs. Look at the SmarterBucks and LoanLink to learn about this kind of program offered by Upromise.

Two superior Federal loans available are the Perkins loan and the Stafford loan. They tend to be affordable and entail the least risk. They are a great deal, because the government covers your interest while you are still in school. The Perkins loan has an interest rate of 5%. The interest rate on Stafford loans that are subsidized are generally no higher than 6.8 percent.

TIP! Stafford and Perkins loans are the best federal student loan options. These two are considered the safest and most affordable.

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 helps to lower your loan significantly.

Your school may want you to borrow from certain lenders. Some schools allow private lenders to use the school name. This can lead to misunderstandings. Schools may actually receive money from the lender of you end up taking out a loan. Know what the loan terms are before signing on the dotted line.

TIP! Keep in mind that your school could have other motivations when they recommend certain lenders. Some schools let private lenders use the name of the school.

Students loans have become as common for college kids as dorm rooms and sporting events. But that doesn’t mean all loans are alike. Seeking out the very best loan terms is important. Study all information now to spare yourself stress in the future.

When applying for private student loans, you need to be cautious. It isn’t easy to know what the terms might be. Frequently, you are not aware of them until after executing the loan. After this happens, you may not be able to extricate yourself. Learn all you can beforehand. If you like an offer, see if other lenders will give you an even better one.

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