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 25, 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 Ought To Know About Student Loans

Do not panic if a job loss or other emergency makes paying your student loan difficult. A lot of times, if you can provide proof of financial hardship, lenders will let you to delay your payments. Just keep in mind that doing this might cause the lender to raise the interest rate on your loan.

Some people find it necessary to rely on student loan to get the education they desire.This article will help you on the process.

Don’t be driven to fear when you get caught in a snag in your loan repayments. You could lose a job or become ill. Lenders provide ways to deal with these situations. The interest will grow if you do this though.

TIP! If an issue arises, don’t worry. Unemployment and health emergencies can happen at any time.

Know how long of grace period is in effect before you must begin to make payments on the loan. This is typically a six to nine month period after graduation before you loan becomes due. Knowing when this allows you to make sure your payments on time so you can avoid penalties.

Select a payment plan that works for your needs. Most student loans have a ten year plan for repayment. Other options are likely to be open to you if this option does not suit your needs. For instance, you could be given more time but have to pay more interest. You may have to pay a certain part of your income after you get some work. The balances on some student loans have an expiration date at 25 years.

TIP! Choose the payment option that is best suited to your needs. A lot of student loans give you ten years to pay it back.

Always know all the key details of any loan you have. You must watch your loan balances, check your repayment statuses, and monitor your repayment progress. These things matter when it comes to loan forgiveness or repayment options. This is must-have information if you are to budget effectively.

When the time comes to repay student loans, pay them off based on their interest rate. The highest rate loan should be paid first. Using the extra money you have can get these things paid off quicker later on. There is no penalty for early repayment.

TIP! Pay off your different student loans in terms of their individual interest rates. The loan with the largest interest rate should be your first priority.

Don’t worry if you can’t make a payment on your student loans. Most lenders can work with you put off payments if you lose your current hardship. Just keep in mind that doing so may cause interest rate on your loan.

Lower your principal amounts by repaying high interest loans first. The lower the principal amount, the lower the interest you will owe. It is a good idea to pay down the biggest loans first. Once it is gone, you can focus on smaller loans. Pay off the minimums on small loans and a large amount on the big ones.

TIP! Pay off your biggest loan as soon as you can to reduce your total debt. This will reduce the interest you must pay back.

Don’t panic if you have trouble when you’re repaying your loans. Job losses or unanticipated expenses are part of life. There are forbearance and deferments for such hardships. Just remember that interest keeps accruing in many forms, so at least consider making interest only payments to keep balances from rising.

Anyone on a budget may struggle with a loan. You can make things a bit easier with help from loan rewards programs. Two such programs are SmarterBucks and LoanLink. These are similar to programs that give cash back. When you spend, you get rewards that you can use on loans.

Interest Rate

Fill your application out accurately to get your loan as soon as possible. Incorrect or inaccurate information will only delay the process, and that may result in your schooling pushed back to the following semester.

TIP! If you wish to get your student loan papers read quickly, be sure that your application is filled out without errors. Incorrect or incomplete loan information can result in having to delay your college education.

Use a two-step process that’s two steps to get your student loans paid off. Begin by figuring out how much money you can pay off on each of your loans. Second, make extra payments on the loan whose interest rate is highest, use it to make extra payments on the loan that bears the higher interest rate rather than the one that bears the highest balance. This will minimize the amount of total interest you spend over time.

The Stafford and Perkins loans are the best options in federal loans. They are the safest and most economical. 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 Stafford loans are a bit higher but, no greater than 7%.

Stafford loans offer six month grace period. Other kinds of student loans can 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. You must then make sure to make every single payment. If you don’t, the person who co-signed is equally responsible for your debt.

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. Make sure you keep every payment.

Select the payment arrangement that works for your needs. Many student loans come with a 10-year payment plans. There are many other options if you can’t do this. You might be able to extend the plan with a greater interest rates. You can pay a percentage once you begin making money. There are some student loans that can be forgiven if you have not got them paid in full within 25 years.

Do not think that defaulting will relieve you from your student loan debts. The government has many ways to get the money. The federal government can garnish your taxes and disability payments. They can also take money out of your paycheck. Generally speaking, you will be far worse off.

TIP! Forget about defaulting on student loans as a way to escape the problem. There are several ways the government can get their money.

Choose the payment options that fit your needs. Many of these loans offer 10 year payment plans. There are other ways to go if this doesn’t work. For instance, you can possibly spread your payments over a longer period of time, however you will probably have a higher interest rate. You might also be able to pay just a percentage of the money you begin making money. Certain student loans are forgiven after a period of twenty-five years.

Be very cautious about private student loans. Discovering the exact terms and fine print is sometimes challenging. If you sign before you understand, you may be signing up for something you don’t want. If you sign a contract without understanding the terms, you could be setting yourself up for heartache. Gather as much facts and information as you are able to. Compare an offer with those given by other lenders to find out who offers the best rates.

TIP! When applying for private student loans, you need to be cautious. Understanding every bit of these loans is difficult.

Reduce the total principle by paying off as fast as you can. Focus on the largest loans up front. Once you pay a big loan off, transfer the payments amounts to the loans with the next highest balances. When you make minimum payments on each loan and apply extra money to your biggest loan, you have have a system in paying of your student debt.

Only pay for the meals that you eat; get a meal plan to save money. Rather than paying for costly meals each time you sit down to eat, you pay one flat fee that covers everything.

TIP! To extend to value of your loan money, try to get meal plans that do not deduct dollar amounts, but rather include whole meals. That way, you can pay a flat fee instead of being nickel and dimed.

The idea of monthly student loan every month can be somewhat daunting for someone on an already tight budget. There are loan reward programs that can help. Look at websites such as SmarterBucks and LoanLink via Upromise.

Keep the communication lines open with your student loan lender. This is important as you will want to know all of the information on your loan and what stipulations are involved in your payback plan. Your lender may also be able to provide you with valuable tips for repayment.

TIP! Stay in contact with your lender. This way, you will have a relationship with the person with whom you will be dealing.

Get many credit hours each semester as you can. Full-time status is usually 9-12 hours per semester, take a few more to finish school sooner. This helps you keep to aminimum the amount of loan amounts.

To make sure you get financially stable when it comes to student loans, try to get a job while you’re on campus. This is a great idea because you have additional money coming in that can help supplement the money coming in from the student loan, and help pay some expenses.

TIP! Try finding a job at your college to help augment student loans costs. This is a great idea because you have additional money coming in that can help supplement the money coming in from the student loan, and help pay some expenses.

PLUS loans are offered to parents and graduate students. They have an interest rate that is not more than 8.5%. This is a bit higher than Perkins and Stafford loan, however it’s better than most private loans. This is the best option for established and mature students.

Make sure you understand what your repayment terms are. Some loans provide a grace period or have a forbearance or other alternatives in payment. It is vital that you understand all your choices before agreeing to the loan terms. Obtain this information prior to signing any documents.

TIP! Know how much you will have to pay back and when you will have to pay it back. Loans vary concerning grace periods.

Don’t think that you can default on your debt back. The government can try to get its money back. They can take your income taxes at the end of the year. They can also claim up to fifteen percent of the disposable income that is disposable. You will probably be worse off that you were before in some cases.

Be sure to stay in touch with lenders when you are in college and when you are done with it. Always tell them when any of your contact information changes. This makes sure that you know any changes that are made involving your lender information or terms. Let them know if you withdraw, transfer or graduate.

TIP! Maintain contact with your lenders during and after college. Be sure to contact them with any changes to your name, address, email and phone number.

As mentioned in the introduction, a lot of students rely on loans to continue or complete their post-secondary education. Given your new insights, you now have the tools you need to proceed wisely. Dealing with student loans will be easier with these tips.

To keep the amount of debt you incur from student loans to a minimum, take advanced placement and/or dual credit courses when you are still in high school. These will count toward high school. If you test well enough, you will also obtain college credit.

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