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 16, 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

Adive Every College Student Should Know: Loans

Know all the little details of your student loans. Keep a running total on the balance, know the repayment terms and be aware of your lender’s current information as well. It will benefit you in getting your loans taken care of properly. This information is essential to creating a workable budget.

Student loans are a necessity for the vast majority of students. Read this article for important information on to learn all you can with regard to student loans.

Communicate often with the lender. Keep them updated on your personal information. Be certain that you immediately review anything you get from your lender, be it an electronic notice or paper mail. If the correspondence requests you take an action, do so as soon as you can. If you don’t do this, then it can cost you in the end.

TIP! Stay in touch with the lender. Make sure you let them know if your contact information changes.

Know what kind of a grace periods your loans offer. This is the amount of time after graduation before you loan becomes due. Knowing when this is over will allow you to make sure your payments are made on time so you don’t have a bunch of penalties to take care of.

Consider private funding for your college education. Student loans from the government are plentiful, but they come with a lot of competition. Student loans from private sources are not as popular. They are available in smaller increments and are often unclaimed because people don’t know about them. Check your local community for such loans, which can at least cover books for a semester.

TIP! To make paying for college easier, don’t forget to look at private funding. While public student loans are widely available, there is much demand and competition for them.

Don’t worry if you can’t make a payment. Most lenders have options for letting you if you lose your job. Just remember that doing this may raise interest rate on your loan.

The best way to pay down your student loan debt early is to focus on the loans that come with a higher interest rate. You may think to focus on the largest one but, the accruing interest will add up to more over time.

Do not overlook private financing.There is not as much competition for public student loans even if they are widely available. Explore the options within your community.

Know how long you have between graduation and the commencement of loan payments. For example, you must begin paying on a Stafford loan six months after you graduate. Perkins loans often give you nine months. For other loans, the terms vary. Know exactly the date you have to start making payments, and never be late.

TIP! Make sure you understand the true length of your grace period so that you do not miss payments. Many loans, like the Stafford Loan, give you half a year.

Don’t let setbacks throw you have a tizzy. Unemployment and health problem can happen at any time. There are forbearance and deferments for such hardships. Just know that the interest will build up in some options, so try to at least make payments on the interest to prevent your balance from growing.

Pay off your loans in order of interest rates. You should pay off the loan that has the highest interest first. Using your extra cash can help you get these student loans paid off quicker. There is no penalty for early repayment.

TIP! When you pay off loans, pay them off from highest to lowest interest rates. You should always focus on the higher interest rates first.

Select a payment option that is best for your needs. Many of these loans offer a ten year payment plan. There are other choices available if you need a different solution. You might be able to extend the plan with higher interest rates. You might be eligible to pay a certain percentage of income when you get some work. Some balances on student loans are forgiven after a period of 25 years have passed.

Payments for student loans can be hard if you don’t have the money. There are rewards programs that can help. Look at websites such as SmarterBucks and LoanLink to learn about this kind of program offered by Upromise. How much you spend determines how much extra will go towards your loan.

TIP! Anyone on a budget may struggle with a loan. There are loan reward programs that can help people out.

Choose payment options that fit your needs. Many loans offer a 10 year repayment plan. There are other ways to go if this doesn’t work. For example, you can take a longer period to pay, but that comes with higher interest. You could also possibly arrange a deal where you pay a certain percentage of your income. Some loans are forgiven once twenty five years have gone by.

Far too often people will rush into signing the student loan paperwork without carefully analyzing the terms and conditions of the loan. Ask questions so you can clear up any concerns you have. Lenders sometimes prey on borrowers who don’t know what they are doing.

Interest Rate

The best federal loans are the Stafford loan and the Perkins loan. These are both safe and affordable. This is a great deal that you may want to consider. The Perkins loan has a small five percent rate. The Stafford loan only has a rate of 6.8 percent.

TIP! Perkins and Stafford are some of the best federal student loans. These are the most affordable and the safest.

Prioritize your repayment schedule by interest rate. The loan with the largest interest rate needs paid down fastest and first. Using the extra cash available can help pay off quicker later on. There is no penalty because you have paid them off quicker.

Remember that your school may have its own motivations for recommending you borrow money from particular lenders. Many institutions allow selected private lenders to use the school name in their promotions. This is somewhat misleading. The school might get money if you choose a particular lender. Be sure you know what a loan is all about before you decide to utilize it.

TIP! Keep in mind that the school may have reasons of its own for suggesting you use certain lenders. Some colleges permit private lenders to utilize the name of the school.

Pay off the loan to reduce the total principal. Focus on paying the largest loans up front. When you pay off one loan, just start paying on the next ones you owe. 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.

When it comes to private student loans, exercise extreme care. It can be hard to find out the exact terms. Many times, you will not know until you’ve already signed for them. After this happens, you may not be able to extricate yourself. Get all the information you need first. If a good offer comes your way, ask other loan providers if they can match or beat it.

TIP! Be very cautious about private student loans. Finding out the specific terms can be challenging.

Get the maximum bang for the buck on your student loans by taking as 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 minimize the amount of loans.

Get a meal plan at school to make the most of your student loans. This means you’re not going to have to pay a lot for the food you eat if you’re not able to get food that day from the school.

TIP! 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. This way you won’t get charged extra and will only pay one fee per meal.

If you don’t have great credit, you’ll most likely need to use a co-signer. Make sure that your payments on time.If you default, then whoever co-signed your debt will be held liable.

Make an effort to ask your lender questions and contact them any time you need to. This will keep you informed about the loan and aware of any stipulations to your payment plan. Your lender should also provide some valuable repayments tips to you.

TIP! 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.

Keep in mind that your school you attend could have other motivations when they recommend certain lenders. Some colleges allow lending companies to use the name of the school. This may not be in your best deal.The school may get money if you choose a certain lender. Make sure you grasp the subtleties of a particular loan prior to accepting it.

Completely understand the payback terms of any loan. Loans vary concerning grace periods. Additionally, there may be allowances for forbearance and other circumstances. It is critical that you are aware of your options and the lender’s expectations. You need to know all of this before signing anything on the dotted line.

TIP! Make sure you pay strict attention to the loan terms. Some loans may offer different options, and many of them offer a grace period.

Do not think that defaulting will relieve you can just default on student loan debts. The federal government can recover its money. They can take your taxes at the end of the year. It could also garnish your disposable income. You will probably be worse off than before in some circumstances.

If you cannot make your payment, get in touch with your lender immediately. If you are proactive with regard to your situation, the lender is much more likely to offer you a plan to help you. You may even qualify for a deferral or reduced payments.

TIP! Anytime that you feel that you can’t make your monthly payment on your student loan, let the loan lender know immediately. You will have a better chance of getting help if you ask for it.

Be sure to double check all forms that you fill out your applications This will determine how much money you are offered. Ask someone for help if you need it.

Communicate with all of your lenders both during college and after you graduate. Notify them of any changes that occur with your name, address, phone number or email. In this way, you will know if there are changes in your lender information or the terms of your loan. You must also notify them if you graduate, transfer, or withdraw from college.

TIP! Be sure to stay in touch with lenders when you are in college and when you are done with it. Make sure you get into touch with them if any of your personal information changes like your email or phone number.

Stay in touch with your loan. This is important as you will want to know all of the information on your loan and stipulations within your repayment plans. You should also ask the lender if they have any advice about paying back your loan more quickly.

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.

Try finding a part-time job to keep an income you receive from student loans. This will assist your expenses somewhat and also give you must borrow.

Check out all your options to pay off students loans on time. Making your student loan payments on time is important for protecting your credit score and paycheck. If you can’t make your payments monthly without trouble, think about consolidating your loans.

TIP! Check out all the options available to your for paying for your student loans. You do not want to harm your credit or have your wages garnished due to unpaid loans.

Many people cannot afford to pay for their education without student loans. Knowing as much as you can ensures your loan is a good experience. Use the ideas you have learned from this article, and you can simplify the entire process for yourself.

To get the most for your money, consider taking online courses. This will make it to where you can have some hours added to you full time school, and you can schedule assignments to work with your job’s schedule. You can maximize the number of classes you are taking in this way.

A learning platform providing free or fee-based curriculum for personal or professional development through Coaching.

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Atlanta, Ga. 30309
learn@beautyugly.com

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