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: November 26, 2020

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

Always figure out what the details of the loans you have out are. Know your loan balance, your lender and the repayment plan on each loan. These are details that play an important role in your ultimate success. Use this information to create a budget.

TIP! Know all of your loan’s details. Keep a running total on the balance, know the repayment terms and be aware of your lender’s current information as well.

Many people get overwhelmed when it comes to student loans. This is usually because they are not understand much about these loans. This article will help you learn about student loans.

Make sure you stay in close contact with your lenders. Make sure your records are updated, such as your phone number and address. Read all of the paperwork that comes with your loan. Take action right away. Overlooking things can end up being very expensive.

TIP! Stay in communication with all lenders. Update your address, phone number or email address if they change which sometimes happens quite frequently during your college days.

Know what kind of grace period is in effect before you must begin to make payments on the loan. This generally means the period after you graduate where the payments are due. Knowing this allows you to know when to pay your payments on time so you can avoid penalties.

If you have trouble repaying your loan, try and keep a clear head. You could lose a job or become ill. Realize that there are ways to postpone making payments to the loan, or other ways that can help lower the payments in the short term. It’s important to note that the interest amount will keep compounding in many instances, so it’s a good idea to at least pay the interest so that the balance itself does not rise further.

TIP! Do not panic when you are faced with paying back student loans. Job losses or unanticipated expenses are sure to crop up at least once.

Know all the specifics about your student loans. You need to watch what your balance is, who the lender you’re using is, and know your lenders. These details affect your ultimate success. This will allow you to budget wisely.

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 think you will be better off paying the one with the highest monthly payments first, you may be wrong. Best to look at the interest rates.

TIP! If you are considering paying off a student loan early, start with the loans with high interest rates. If your payment is based on what loans are the highest or lowest, there’s a chance you’ll be owing more at the end.

Always keep in contact with all of your lenders. Make sure they know if your current address and phone number. Take any and all actions are necessary as soon as possible. Missing anything could make you owe a great deal of money.

Be sure you select the right payment plan option for you. Most student loans have a ten year plan for repayment. There are other options if you can’t do this. You might get more time with higher interest rates. After you begin to make money, you might be able to use a certain percentage of that income to help pay down the student loan. Some balances on student loans are forgiven after a period of 25 years.

TIP! Make sure that you specify a payment option that applies to your situation. Ten year plans are generally the default.

Don’t be scared if something happens that causes you to miss payments on your student loan due to a job loss or another unfortunate circumstance. Most lenders have options for letting you put off payments if you lose your job. Just remember that doing this may raise interest rates rise.

Choose payment options that fit your financial circumstances. Many of these loans have 10-year repayment plans. If this won’t work for you, there may be other options available. For example, you could extend the amount of time you have to pay, however you will probably have a higher interest rate. You could start paying it once you have a job. Some loans are forgiven after a 25-year period.

Don’t overlook private financing to help pay for college. There is quite a demand for public loans. Explore any options in your community.

Prioritize your repayment of student loans by the interest rate of each one. Pay off the loan with the largest interest rate first. Any extra cash you have lying around will help you pay these quicker. Prepayment of this type will never be penalized.

Student Loans

Pay off your biggest loan as soon as you can to reduce your total debt. As your principal declines, so will your interest. Pay off larger loans first. Once a large loan has been paid off, transfer the payments to your next large one. The best system for repaying your student loans is to make large payments on your biggest student loan while continuously making the minimum payment on smaller student loans.

TIP! Pay off the largest loan to reduce the total principal. You won’t have to pay as much interest if you lower the principal amount.

Pay your student loans using two steps. Begin by figuring out how much money you can pay the minimum payments on these student loans. Second, make extra payments on the loan whose interest rate is highest, not the one with the highest balance. This will keep your total expenditures to a period of time.

Get many credit hours each semester. Full-time status is usually 9-12 hours per semester, so getting between 15 and 18 can help you graduate sooner. This will help reduce how much you have to borrow.

TIP! To get more from student loan money, try taking as many credits as you can. You may be able to scrape by with 12 hours, but try to at least carry 15 per semester.

Select the payment option that is best for your needs. Many loans allow for a ten year payment plan. There are other options if you need a different solution. You might be able to extend the plan with a greater interest rates. You might also be able to pay a percentage once the money flows in. Some loans offer loan forgiveness after a period of 25 years has elapsed.

Make sure to understand everything about student loans before signing anything. Ask questions so that you are completely aware. Lenders sometimes prey on borrowers who don’t know what they are doing.

TIP! Many people will apply for their student loans without reading what they are signing. You must, however, ask questions so that you know what is going on.

Choose payment options that fit your needs. Many loans offer payment over a ten year length of time for repayment. There are other ways to go if this doesn’t work. For example, you can possibly spread your payments over a longer period of time, but this will increase your interest. You could also make payments based on your income to pay once you are bringing in money. Some loan balances are forgiven after twenty five years have passed.

Fill your application out accurately to get your loan as soon as possible. Your application may be delayed or even denied if you give incorrect or incomplete information.

Biggest Loan

For private loans, you may require a co-signature if you have no credit or bad credit. You have to make every single payment. 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 need for a student loan and do not have good credit, you may need a cosigner. It’s a good idea to stay up to date with the payments you make.

Pay the large loans off your biggest loan as soon as you are able to. Focus on the big loans first. Once you pay a big loan off, simply transfer those payments to the next largest ones. When you apply the biggest payment to your biggest loan and make minimum payments on the other small loans, you can eventually eliminate all your student debt.

Keep in mind that a school may have something in mind when they recommend that you get money from a certain place. They may have a deal with a private lender and offer them use of the school’s name. This can mislead you sometimes. The school might be getting payment if you choose to go with certain lenders. Make sure that you are aware of all the stipulations involved in a loan prior to taking it.

Many people will apply for their student loans without really understanding what they are signing. You could be paying more money on interest and other fees than you don’t.

Don’t think that student loans should be depended on totally. Look into getting a scholarship or grant and explore other ways you can save money. Locate the numerous scholarship matching websites designed to assist you in locating the perfect scholarships and grants. Start right away to get the entire process going and leave yourself enough time to prepare.

TIP! Don’t rely on student loans for education financing. Keep in mind that you need to put money aside and investigate grants and scholarships that may offer you some financial assistance.

If you try to get private loans with poor credit, you might need a cosigner. It is very important that you make all of your payments. If you fail to do so, the cosigner is accountable for your debt.

When filling out the student loan paperwork, it is very important that you check it for accuracy. One mistake could change how much you are offered. If you’re unsure, go to your school’s financial aid representative.

TIP! Double check all applications for errors. This will determine how much money you get.

Do not think that defaulting will relieve you can just default on student loan debts. The government has many ways to get back this money if they want it. They can take your income taxes at the end of the year. The government also has the right to claim 15 percent of what it deems your income. You could end up worse off than before in some circumstances.

Try finding on-campus employment to supplement your student loan. 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 on-campus employment to supplement your student loan. 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.

As you’ve read, student loans are not something to stress over. You should know how to make smart decisions about student loans now. Use the advice listed here to get the most from student loans.

If you cannot make your payment, get in touch with your lender immediately. By keeping the financial institution in the loop, you will be more likely to have their cooperation. Perhaps you will qualify for deferral or a reduction of payments.

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