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 27, 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

Worried About Student Loans? Use These Tips

If you lose your job, face financial issues or some other bump in the road comes up, don’t worry about missing a payment. Many lenders will let you postpone payments if you have financial issues. However, you may pay an increase in interest.

TIP! It is acceptable to miss a loan payment if serious extenuating circumstances have occurred, like loss of a job. Most lenders have options for letting you put off payments if you are able to document your current hardship.

Student loans are what people can use to get an education they may not be able to attend otherwise. This article will help you in the financial options for your college education.

Private financing is one choice for paying for school. Public student loans are highly sought after. Private loans are available, though perhaps not in the volume of federal ones. Loans such as these may be available locally and at a minimum can help cover the cost of books during a semester.

TIP! Private financing is always an option. There are lots of student loans available, and there is also a lot of demand and a lot of competition.

Know that there’s likely a grace period is in effect before you must begin to make payments on the loan. This is typically a six to nine month period of time after your graduation where the payments are now due. Knowing when this allows you to know when to pay your payments are made on time so you can avoid penalties.

If you are considering paying off a student loan early, start with the loans with high interest rates. Calculating the terms properly will prevent spending more money than is necessary by the end of the loan.

TIP! If you want to pay off student loans before they come due, work on those that carry higher interest rates. You definitely want to pay down the ones with the highest interest rate, because taking care of the lower ones could cause you to end up paying more money.

Always stay in touch with all of your lender. Make sure they know if your current address and phone number. Take any and all actions are necessary as soon as possible. You may end up spending more money than necessary if you miss anything.

Select a payment plan that works for your needs. Most student loan companies allow the borrower ten years to pay them back. If this doesn’t work for you, you may have other options. For instance, you may pay back within a longer period of time, but it will be with higher interest rates. You might even only have to pay a certain percentage of what you earn once you finally do start making money. It may be the case that your loan is forgiven after a certain amount of time, as well.

TIP! Choose the payment option that is best suited to your needs. In general, ten year plans are fairly normal for loan repayments.

Don’t worry if you from making a payment on your student loan due to a job loss or another unfortunate circumstance. Most lenders can work with you put off payments if you lose your current hardship. Just remember that taking advantage of this may raise interest rates.

When repaying student loan obligations, prioritize them by interest rate. You should always focus on the higher interest rates first. Using additional money to pay these loans more rapidly is a smart choice. Student loans are not penalized for early payoff.

TIP! If you have more than one student loan, pay each off according to interest rates. The one carrying the highest APR should be dealt with first.

Don’t panic if you aren’t able to make a snag in your loan payment. Job losses and health emergencies are sure to crop up at least once. There are forbearance and deferments available for most loans. Just remember that interest will continue to build in many of these options, so try to at least make an interest only payment to get things under control.

Pay the large loans off as soon as you are able to. If your principal is ower, you will save interest. Pay those big loans first. Once you pay a big loan off, you can transfer the next payments to the ones that are next in line. By keeping all current and paying the largest down totally first, you will more quickly rid yourself of debt.

TIP! Pay off big loans with higher interest rates first. The less principal you owe overall, the less interest you will end up paying.

Choose the payment options that fit your financial circumstances. Many student loans offer a ten year payment plans. There are other options if this is not right for you.For instance, you can spread your payments out over more time, but you will end up paying more in interest. You might also use a portion of your income to pay once you begin making money. Some student loan balances are forgiven once twenty five years have gone by.

If you don’t have a lot of “extra” money, student loans can really make life difficult for you. There are frequently reward programs that may benefit you. Look at programs like SmarterBucks and LoanLink via Upromise. They will make small payments towards your loans when you use them.

TIP! You may feel overburdened by your student loan payment on top of the bills you pay simply to survive. A rewards program may help things.

Prioritize your repayment schedule by interest rate. The one carrying the highest APR should be paid first. Using the extra cash available can help pay off quicker later on. There is no penalties for paying off a loan more quickly than warranted by the lender.

Many people apply for student loans and sign paperwork without really understanding what they are getting into. It’s essential that you inquire about anything that you don’t understand. This is one way a lender may collect more payments than they should.

Largest Loans

Fill out your paperwork the best that you can. Incorrect and incomplete information gums up the works and causes delays to your education.

TIP! Fill your application out accurately to get your loan as soon as possible. If you make a mistake, it will take longer to go through.

Reduce the principal when you pay off the largest loans first. Focus on the largest loans off first. Once it is gone, simply transfer those payments to the next largest ones. If you make minimum payments on your loans while paying as much as possible on the largest loan, your student loan balances will disappear.

Taking out a PLUS loan is something that a graduate student can apply for. They cap their interest rate at 8.5 percent. This costs more than Perkins or Stafford loans, but it will be a better rate than a private loan. These loans are much better suited to an older student that is at graduate school or is close to graduating.

TIP! PLUS loans are a type of loan option for parents and graduate students. Their interest rate doesn’t exceed 8.

Many people will apply for their student loans and sign paperwork without really understanding what they are signing. This is a simple way for the lender to receive a bit more than they are entitled to.

Wipe away the thoughts about not paying back your student loans and thinking the problem will just go away. The federal government can recover that money in a few different ways. They can take money off your tax refund, for example. They can also take a chunk of the disposable income you have. Therefore, defaulting is not a good solution.

Be sure to fill out your loan application correctly. Incorrect and incomplete loan information gums up the works and causes delays to your education.

Understand your repayment options at all times. If paying back the loan will be an issue once you complete school, you may want to consider a graduated repayment plan. This makes it so that your early payments are smaller and will gradually increase as your earning potential rises.

TIP! Understand the options available to you for repayment. If you expect it to be a struggle to make ends meet financially right after you finish school, consider signing up for graduated payments.

Stafford and Perkins loans are the best loan options. These are both safe and most affordable. This is a great deal that you are in school your interest will be paid by the government. The Perkins Loan has a small five percent. The Stafford loans are subsidized and offer a fixed rate of 6.8 percent.

Add to the money you get from a student loan by looking for an on-campus job. This can offset your expenses somewhat and also give you some spending money.

TIP! Add to the money you get from a student loan by looking for an on-campus job. Doing this can help provide you with money from a source other than loans to help pay for your education, not to mention that you also wind up with a bit of extra spending money.

Remember your school could have its own motivations for recommending you borrow money from particular lenders. Some let these private lenders use the school name. This may not the best deal. The school might get some kind of a payment if a student signs with certain lenders. Make sure to understand all the nuances of any loan prior to accepting it.

You should let your lender know if you are going to have trouble making a payment. You are more likely to get your lender to help you if you are honest with them. You might be able to lower your payments or take a few months off.

Student Loans

Stay in touch with your lenders when you graduate. Always tell them when any of your contact information changes. This way you will be made aware of any changes in policy terms or to lender information. Let them know if you withdraw, transfer or graduate.

TIP! Keep in contact with lenders while in college and after college. Update your records immediately if your contact information changes.

The fact is that most students couldn’t afford a higher education without any student loans. However, if you don’t know what you are doing, then you risk financial ruin later. Take this information seriously. With it, you can make smart decisions when it comes to student loans.

Try taking classes in high school that offer college credit. 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.

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coaching@imarketsupport.com

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