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 24, 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:
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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.

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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

Always know the pertinent details of your loans. Make sure you know how much you owe and how to contact your lender. You also want to know what your repayment status is. These are details that play an important role in your ultimate success. This will allow you to budget effectively.

A quality education is often a necessity for the life you want. Read on so you can understand how you’ll be able to attend school!

You should not necessarily overlook private college financing. Public loans are great, but you might need more. Private loans – especially small ones – do not have as much competition, and this means that there is funding available that most other people don’t even know about. Research community resources for private loans that can help you pay for books and other college necessities.

TIP! Keep in mind that private financing is an option to help pay for school. Although there are a variety of public student loans, it can be difficult to obtain them due to competition and demand.

Know that there’s likely a grace period is in effect before you must begin to make payments on the loan. This is the amount of time you have before the payments need to start. Knowing when this is over will allow you to make sure your payments on time so you don’t have a bunch of penalties to take care of.

Know how long the grace period is between the date of your graduation and the date on which you must start repaying the loans. Stafford loans offer a period of six months. Perkins loans offer a nine month grace period. Grace periods for other loans vary. Make sure that you are positive about when you will need to start paying and be on time.

TIP! It is important to know how much time after graduation you have before your first loan payment is due. If you have Stafford loans, you will usually have about 6 months.

Don’t panic if you can’t make a payment. Most lenders have options for letting you put off payments if you lose your job. Just remember that doing this might cause the lender to raise interest rates.

Identify and specifically choose payment options that are suited to your personal circumstances. Most student loan companies allow the borrower ten years to pay them back. If this does not fit your needs, you may be able to find other options. For instance, you may pay back within a longer period of time, but it will be with higher interest rates. You might also be able to pay a percentage of your income once you begin making money. Some balances pertaining to student loans get forgiven about 25 years later.

TIP! Choose the payment option that is best suited to your needs. In the majority of cases, student loans offer a 10 year repayment term.

Don’t panic if you have a loan payment. Unemployment or health problem can happen to you from time to time. There are forbearance and deferments for such hardships. Just remember that interest will continue to build in many of these options, so making interest-only payments will at least keep your balance from rising higher.

Choose payment options that fit your financial circumstances. Most student loans allow for repayment over ten years. If this isn’t going to help you out, you may be able to choose other options. For example, you may be able to take longer to pay; however, your interest will be higher. You could start paying it once you have a job. After 20 years, some loans are completely forgiven.

TIP! Pick a payment option which best fits your requirements. 10 years is the default repayment time period.

Use a process to pay off your student loans. Always pay on each of them at least the minimum balance due. Second, make extra payments on the loan whose interest rate is highest, and not just the largest balance. This will cut down on your total expenditures to a minimum.

For those on a budget already stretched to the max, the idea of a student loan can be scary. There are loan rewards programs that can help with payments. LoanLink and Upromise are two of these great programs. These are like programs that offer cash back, but the rewards are used to pay your loans.

Student Loans Offer

Many people get student loans without reading the fine print. Make certain that you understand all of the facts before signing the dotted line. An unscrupulous lender will always look for ways to see if they can get more money out of you.

TIP! Many people apply for student loans and sign paperwork without really understanding what they are getting into. It is important that you ask questions to clarify anything that is not really clear to you.

Select the payment arrangement that works well for your particular situation. Many student loans offer a decade-long payment term. There are many other choices available if you can’t do this. You might get more time with a greater interest rates. You might also be able to pay a certain percentage of income when you make money. Some student loans offer loan forgiveness after a period of 25 years.

In order to have your student loan paperwork go through as quickly as possible, make sure that you fill out your application accurately. If you give wrong or incomplete information, it can slow down processing and you may not be able to start when you planned. This can put you behind by a year.

TIP! To expedite the process of a student loan, make sure the application is filled out accurately. Your application may be delayed or even denied if you give incorrect or incomplete information.

Pick a payment option which best fits your particular needs. Many student loans will offer a ten year repayment plan. There are other ways to go if this doesn’t work. For example, you might secure a longer repayment term, but you will end up paying more in interest. You can also do income-based payments after you begin making money. Some student loan balances for students are forgiven after twenty five years have gone by.

If you do not have excellent credit and you must put in an application to obtain a student loan through private sources, you will require a co-signer. Keep your payments up to date. If you don’t, then your co-signer will be held responsible for those debts.

TIP! Bad credit will mean you need a cosigner on a private loan. It is vital that you stay current on your payments.

Pay off your different student loans in terms of interest rates. The loan with the largest interest rate needs paid down fastest and first. Using the extra cash available can get these things paid off student loans faster. There are no penalty for paying off a loan more quickly than warranted by the lender.

There is a loan that is specifically for graduate students or their parents known as PLUS loans. They have a maximum interest rate of 8.5 percent. While it may not beat a Perkins or Stafford loan, it is generally better than a private loan. Therefore, this kind of loan can be useful for students who are older.

Many people apply for student loans and sign paperwork without reading the fine print. This is an easy way a lender may collect more money than they should.

Your school may want you to borrow from certain lenders. There are schools that allow certain lenders to utilize the school’s name. This is oftentimes quite misleading to students and parents. The school might be getting payment if you choose to go with certain lenders. Understand the terms of the loan before you sign the papers.

Interest Rate

Know what your repayment options are. If you cannot afford to pay off your loans when you first graduate college, ask about graduated payments. This ensures your starting payments aren’t huge and go up slowly.

TIP! Explore the different ways you can repay your loans. If you cannot afford to pay off your loans when you first graduate college, ask about graduated payments.

Stafford and Perkins are the best federal student loan options. These two are the most affordable and the safest. This is a good deal that you may want to consider. Interest rate on the Perkins loan will be around 5%. Subsidized Stafford loans have an interest rate of no higher than 6.8 percent.

Do your best to avoid panicking when you have a large sum of money to repay on a student loan. The amount owed can seem very large, but remember you’re going to pay it back over an extended time period. Work hard and remember to budget; you will be on top of your loan in no time.

TIP! When you have big student loan looming with a big balance, try not to go into panic mode. It may seem like a huge balance looking at the whole thing; however, you will be paying it back gradually over an extended period of time.

If your credit is abysmal and you’re applying for a student loan, chances are that you’ll need a co-signer. It is critical that you make all of your payments in a timely manner. If you do not do so, you are affecting the credit of the person who went to bat for you.

Read and understand your student loan’s contract concerning how the loan is paid back. Some types of loans have a designated grace period or are eligible for a forbearance or other options. Make sure that you are aware of all your options. It is best to know this information prior to requesting a loan.

TIP! You need to make sure you understand all the requirements of paying back the loan. Some loans offer grace periods, forbearance options and other financial choices that depend on your circumstances.

Keep in mind that your school could have ulterior motives for steering you toward specific lenders. There are institutions that allow certain lenders to utilize the use of their name by specific lenders. This is frequently not be in your best deal. The school may receive some sort of payment if you choose to go with a certain lender. Make sure you grasp the nuances of a particular loan prior to accepting it.

Be sure to get in touch with your lender right away if you feel as though you cannot make one of your payments. You will find they are likely willing to work together with you so you can stay current. There is a chance you will qualify for deferral or reduced payment amounts.

TIP! Anytime that you feel that you can’t make your monthly payment on your student loan, let the loan lender know immediately. You are much more likely to have the financial institution work to help you if you show good faith.

Do not think that defaulting will relieve you can just default on student loans to get out of paying them. The federal government will be able to recover that money in a few different ways. They can take your taxes at the end of the year. The government may also take up around 15 percent of the income you make. You could end up worse off that you were before in some circumstances.

While in college, and after you graduate, it is wise to keep in touch with the banks that have loaned you money. Notify them of any personal information that will change. This ensures that you are privy to any changes in terms or lender information. Let them know if you withdraw, transfer or graduate.

Student Loans

To minimize student debt, take college credit classes while in high school. You take these in high school, and if you do well on a test, you will get credit for college. This reduces the number of hours you will have to take when you get to your chosen university.

TIP! To keep student loan debt to a minimum, enroll in lots of AP courses while still in high school. Your grades in these courses and the test results could result in your not needing these classes for college, which lowers the number of course hours you need to pay for.

Going to college is the dream of many, but the high tuition cost makes it hard. You should not have to worry about how you will pay for school any longer, now that you understand how student loans can help you get that quality education you seek. Remember these tips when you are applying for student loans.

Do your best to always make at least the minimum payment due on your student loan. It’s critical that you make all payments in a timely manner in order to keep your credit rating good and prevent wage garnishment. If you have several student loans, consider a loan consolidation.

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