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 27, 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

What You Need To Know About Student Loans

Verify the length of your grace period before repayment of your loan is due. In order words, find out about when payments are due once you have graduated. Having this information will help you avoid late payments and penalties.

TIP! Be aware of the grace period that you have before you have to pay back your loan. This is important for avoiding penalties that may result.

Since college costs only continue to rise, students loans should be something all young people know about. You need good information in advance to be able to select the right loan with the right terms. Keep reading to learn everything you have to know.

Be sure you know all details of all loans. You must watch your loan balances, check your repayment statuses, and know your lenders. These details can all have a big impact on any loan forgiveness or repayment options. This also helps when knowing how prepare yourself when it comes time to pay the money back.

TIP! Know all the little details of your student loans. You need to be mindful of your balance levels, your current lenders and your repayment status of each loan.

Know how long of grace periods your loans offer.This is typically a six to nine month period after graduation before repayments start. Knowing this allows you to know when to pay your payments on time so you don’t have a bunch of penalties to take care of.

Stay in contact with all lenders. Anytime there are changes to your personal information such as where you live, phone number, or email, it is important they are updated right away. In addition, be sure to open and read all correspondence that you receive from your lender right away, whether it arrives electronically or via snail mail. Take any and all actions needed as soon as possible. If you miss important deadlines, you may find yourself owing even more money.

TIP! Keep in close touch with your lender. When you make changes to your address or phone number, make sure you let them know.

Always be mindful of what all the requirements are for any student loan you take out. You want to keep track of your balance, your current lenders and your repayment status of each loan. These details affect your loan repayment options. This is must-have information if you are to budget effectively.

There is hope for you if you find yourself in a tight financial spot where you cannot keep up with student loan payments. Many lenders give you a grace period if you are able to prove that you are having difficulties. Just be aware that doing so may cause interest rates to rise.

TIP! Don’t panic if you can’t make a payment due to job loss or another unfortunate event. A lot of the time a lender will allow a payment to be postponed if you show them you’re having a hard time.

Always keep in contact with your lenders. Make sure they know your personal information if it changes. You must act immediately if a payment is needed or other information is required. Missing an important piece of mail can end up costing a lot more money.

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. If you pay off the wrong loans first, you could end up paying more than you need to.

TIP! If you have the ability to pay more than what you owe on your loans, try to get those with the highest interest taken care of first. If you pay off the wrong loans first, you could end up paying more than you need to.

Don’t eschew private loans for college. There is not as much competition for this as public student loans even if they are widely available. Explore the options within your community.

Pay the largest of your debts first. This will reduce the interest you must pay back. Therefore, target your large loans. After the largest loan is paid, apply the amount of payments to the second largest one. This will help you decrease your debt as fast as possible.

TIP! Pay the large loans off as soon as you are able to. You won’t have to pay as much interest if you lower the principal amount.

There are two steps to paying off student loans you have taken out. Begin by ensuring you can pay off on each of your loans. Second, make extra payments on the loan whose interest rate is highest, and not just the largest balance. This will make things cheaper for you utilize over the long run.

Increase your credit hours if possible. While 9 to 12 hours each semester is full time, you may be able to get 15 to 18 which can help you to graduate faster. This helps reduce the total of loans.

TIP! Get many credit hours each semester. Try to graduate as soon as you possibly can by taking 15 or 18 hours each semester.

Focus initially on paying off student loans with high interest rates. If you get your payments made on the loans that have the lowest or the highest, you could end up paying more than you need to.

Fill out paperwork for student loans with great accuracy to facilitate quick processing. Incorrect or inaccurate information will only delay the process, and that may result in your schooling pushed back to the following semester.

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

If you apply for a private student loan and your credit is not that great, you are going to need someone to co-sign for you. Make your payments on time. If you don’t keep up with payments on time, your co-signer will be responsible, and that can be a big problem for you and them.

TIP! If you don’t have good credit, and you are applying for a student loan from a private lender, you will need a co-signer. It is vital you keep current with all your payments.

Select a payment plan that works well for your particular situation. Many loans offer 10-year payment term. There are other choices available if you need a different solution. You might be able to extend the plan with higher interest rate.You may also possibly have the option of paying a certain percentage of your post-graduation income. Some balances are forgiven about 25 years later.

Get rid of thinking that defaulting on a loan means freedom. The government can get back this money if they want it. For example, the government can take a cut from your Social Security payments or your tax return. They can also claim up to fifteen percent of your income that is disposable. You can easily find yourself in a very bad position that will take many years to get out of and cause many headaches.

Largest Loans

To make sure that your student loan dollars go as far as possible, buy a meal plan that goes by the meal rather than the dollar amount. That way, you won’t be overpaying for extra items in the cafeteria. You will just pay a flat fee for every meal.

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 will prevent getting charged for extras and allows you to just pay a flat price for every meal you eat.

Reduce the total principal by getting things paid off your largest loans as quickly as possible. Focus on paying the largest loans up front. After you have paid off your largest loan, begin paying larger payments to the second largest debt. When you make minimum payments against all your loans and pay as much as possible on the largest one, you get rid of the debts from your student loans systematically.

Keep the communication lines open with your student loan lender. 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. They may give you some wise advice for repaying the loans.

TIP! Communicate with the lender or whoever is making the loan to you. In this way, your lender will always be able to contact you with important information regarding your loan.

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

Look for a job that will bring in some secondary income. You can have some extra spending money along with being able to repay your loan.

Many people will apply for their student loans without reading what they are getting into. This is one way for a lender to get more money than they should.

You should let your lender know if you are going to have trouble making a payment. As long as the lender sees that you are making an effort up front, they will typically be much more interested in helping your credit to remain in good standing. Find out whether you’re eligible for ongoing reduced payments or if you can put the loan payments off for a certain amount of time.

TIP! If you think that you can’t make a payment, talk to your lender right away. Your lender will be much more forgiving if they know this in advance.

Be sure to fill your student loan applications neatly and properly to avoid any delays in processing. Incorrect and incomplete loan information gums up the works and causes delays to your college education.

Stay in touch with the lenders both while in college and after college. Let them know if your name, phone number, email or address have changed. That way, you can be contacted as soon as possible if the lender is making any changes to your account. Also note that you are obligated to inform them of the date of your graduation or if you change schools or withdraw completely.

TIP! Maintain contact with your lenders during and after college. Notify them of any personal information that will change.

Take extra care when it comes to taking out private loans. It isn’t easy to know what the terms are exactly. You may only find out after signing the paperwork. Get as much information you can.

To reduce the student loan debt you’re incurring, try taking dual credit classes and Advanced Placement classes in high school. You essentially have to pay for less hours thanks to getting college credits while still in high school.

TIP! To minimize student debt, take college credit classes while in high school. You essentially have to pay for less hours thanks to getting college credits while still in high school.

Expenses of a college student are very high. Part of that process involves student loan debt that can be truly harmful if acquired in an unwise manner. Luckily, the advice presented here can help you avoid problems.

Pay your student loans on time. It is very important that you make your payments on time to protect your credit rating and prevent having trouble with garnished wages. If you have a hard time making more than one payment every month, consider consolidating your loans.

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