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: August 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

All The Top Information About Student Loans

Find out what the grace period is you are offered before you are expected to repay your loan. This usually refers to the amount of time you are allowed after you graduate before repayments is required. Staying aware of when this period ends is the right way to make sure you never have late payments.

TIP! Do know that you are probably going to have a post-graduation grace period from your student loans before you are required to start making payments back. This is the amount of time you have before the lender will ask that your payments need to start.

Since the price of college isn’t going down anytime soon, loans are important to learn about. You need good information in order to get the right loans at the right terms. Read on to learn all there is to know about selecting a student loan.

Read the fine print on student loans. Keep a running total on the balance, know the repayment terms and be aware of your lender’s current information as well. These details will significantly influence the repayment options available to you, as well as the loan forgiveness terms you will face. You will also need to know these things if you want to have an accurate budget.

TIP! Know your loan details inside and out. You must watch your balance, keep track of the lender, and monitor your repayment progress.

Don’t worry if you can’t pay a payment 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 current hardship. Just know that taking advantage of this option often entails a hike in your interest rates rise.

If you wish to repay student loans in advance, deal with the ones with the highest interest rates first. 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.

Focus on paying off student loans with high interest loans. If you pay off the wrong loans first, there’s a chance you’ll be owing more at the end.

Know how long you have between graduation and the commencement of loan payments. Stafford loans provide a six month grace period. Perkins loans enter repayment in nine months. Grace periods for other loans vary. Know when you are to begin paying on your loan.

Student Loans

Make certain that the payment plan will work well for you. Most loans have a 10-year repayment plan. If you don’t think that is right for you, look into other options. If it takes longer to pay, you will face a higher interest charge. Another option some lenders will accept is if you allow them a certain percentage of your weekly wages. Some student loan balances are forgiven after twenty five years have passed.

TIP! Choose payment options that best serve you. In most cases, 10 years are provided for repayment of student loans.

Select the payment arrangement that is best for your needs. Many student loans offer a decade-long payment plans. There are other choices available if you can’t do this. You might get more time with a greater interest rate. You also possibly have the option of paying a set percentage of your future earnings. Some student loans are forgiven when twenty-five years have passed.

To make your student loan money stretch even farther, consider taking more credit hours. To be considered a full-time student, you usually have to carry at least nine or 12 credits, but you can usually take as many as 18 credit each semester, which means that it takes less time for you to graduate. This will reduce the amount of loans you must take.

TIP! To get the most out of your student loan dollars, take as many credit hours as possible. To be considered a full-time student, you usually have to carry at least nine or 12 credits, but you can usually take as many as 18 credit each semester, which means that it takes less time for you to graduate.

Choose the payment option that best suited to your needs. Many student loans come with a ten year payment plans. There are other options if this is not right for you.For example, you could extend the amount of time you have to pay, but that comes with higher interest. You may negotiate to pay a set percentage of your income once you begin making money. Some loan balances are forgiven after twenty five years have gone by.

Make sure to understand everything about student loans before signing anything. Ask to get clarification on anything you don’t understand. This is a good way for you to get scammed.

TIP! Too often, people will accept student loans without contemplating the legal implications. Always ask any questions that come up or if you need anything clarified.

Pay off your loans in interest-descending order. The loan with the most interest should be paid down fastest and first. Using additional money to pay these student loans more rapidly is a smart choice. There are no penalty for repaying sooner than expected.

If you need for a student loan and do not have good credit, you may need a cosigner. You have to make every single payment. Otherwise, the co-signer will also be on the hook for your loans.

TIP! If your credit is abysmal and you’re applying for a student loan, you’ll most likely need to use a co-signer. You must pay them back! Otherwise, the co-signer will also be on the hook for your loans.

Pay the large loans off as soon as you can to reduce your total debt. Focus on the big loans off first. Once you pay off one big loan, use the money allotted to it to pay off the one that is the next largest. By making sure you make a minimum payment on your loans, you will systematically eliminate your student loan debt.

Parents and graduate students can make use of PLUS loans. The interest doesn’t rise above 8.5%. This rate exceeds that of a Perkins loan or a Stafford loan, but is lower than private lenders offer. This may be a suitable option for your situation.

TIP! Look into PLUS loans for your graduate work. They cap their interest rate at 8.

Get the maximum bang for the buck on your student loans by taking as many credits each semester. Full-time is considered 9 to 12 hours per semester, so getting between 15 and 18 can help you graduate sooner.This helps to lower your loans.

Your school could be biased toward certain lenders. There are schools that allow certain lenders to utilize the school’s name. This is generally misleading. A school might get a kickback for you signing up for that lender. Make sure you know all the details of any loan before signing on the dotted line.

TIP! Understand that school affiliations with lenders can be quite misleading when you are deciding which lender to choose. Some schools let private lenders use their name.

Be sure to fill out your student loan applications neatly and properly to avoid any delays in processing. Incorrect and incomplete loan information can result in having to delay your education.

Use caution when getting a private loan. It may be challenging to find the terms. Sometimes, you may not know until it is too late. Then, it will be very hard to free yourself from them. Get all the necessary information. Compare offers and see if banks are willing to compete with each other for your loan.

TIP! Take extra care with private loans. Understanding every bit of these loans is difficult.

Avoid relying totally on student loans completely for your education. Save money up in advance and do not forget to apply for scholarships. There are some good scholarship websites that will help match you to scholarships and grants to fit your needs. Start searching right away to get the entire process going and leave yourself enough time to prepare.

Keep in touch when you have a lender that’s giving you money. 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! Make an effort to ask your lender questions and contact them any time you need to. You can learn about changes or issues that way.

Be sure to double check all forms that you fill out your applications This is important because it may affect how much aid you are offered. Ask for help if you need it.

You need to make sure you understand all the requirements of paying back the loan. Some loans come with grace periods, forbearance options and hardship possibilities you can use. Know all your options as well as your lender expectations. You must find this out before signing anything.

TIP! Make certain you are fully aware of your repayment terms. Loans vary concerning grace periods.

Get a meal plan on campus; this will save you money in the most of your student loans.This allows you to not worry about what’s on your plate each time you eat because each meal is a flat fee for every meal.

If you think that you can’t make a payment, talk to your lender right away. You are much more likely to have the financial institution work to help you if you show good faith. Find out whether you’re eligible for ongoing reduced payments or if you can put the loan payments off for a certain amount of time.

TIP! Let your lender know immediately if you aren’t going to be able to make your payment. They reward proactive people by being able to help them more efficiently and provide more options.

Stay in contact with the lender providing your lender. This is important because you will want to know everything about your loan including what stipulations are involved in your repayment plan. Your lender may also give you tips for repayment.

Stay in touch with the lenders both while in college and after college. Notify them of any personal information that will change. This ensures the lender will be able to contact you. You should also let them know if you withdraw, transfer, or graduate from college.

TIP! Talk to your lenders when you graduate. Talk to them when things change, such as your phone number.

Understand what options you for repayment. If you think monthly payments are going to be a problem after you graduate, you may want to sign up to get graduated payments. This ensures your early payments will be small and go up slowly.

Federal loans should be your first resource to pay for college. Federal loans offer a number of benefits, including fixed interest rates. Which allows you to budget your payments. It will be much easier to figure out your budget when you know the amount you need to pay each month.

TIP! Federal loans should be your first resource to pay for college. Federal loans come with advantages like a fixed interest rate.

Keep in touch with lenders both while you are in college and after you leave. Make sure you get into touch with them if any of your contact info. This will enable you know when changes are made. You must also notify them if you graduate, withdraw, or even leave the college.

When you are in high school, taking more AP classes will help you borrow less money in college. At the end of the course, your competency in the subject will be tested. A high score means you are given college credit for the class.

TIP! Take AP classes during high school to reduce borrowing. You will take a test at the end of the course to measure your knowledge.

Young peoples’ expenses can rise greatly in a few years of undergraduate education. Along with that often comes student loans, which can have a poor impact on a student’s finances if they go into them unawares. Luckily for you, the paragraphs you just read can help you navigate the treacherous waters.

Know which student loans you’ve got with the highest interest so that you can pay them off first. Doing so means you won’t have as much interest to pay back. Track each individual loan’s terms, balance and interest rate. Base your payment schedule off of that.

February 9, 2019
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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