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: July 22, 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

Best Student Loan Advice For Any Beginner

Be aware of the grace period that you have before you have to pay back your loan. This is the amount of time you have before the lender will ask that your payments need to start. Knowing this allows you to make sure your payments are made on time so you can avoid penalties.

Not many people are able to pay college without financial aid. A student loan is a great way to help you pay for your education.

Always know all the information pertinent to your loans. You need to be able to track your balance, know who you owe, and what your repayment status is. These details all affect loan forgiveness and repayment options. Use this information to create a budget.

TIP! Make sure you understand the fine print related to your student loans. Keep track of this so you know what you have left to pay.

Make it a point to be aware of all the fine print related to your student loans. You must watch your balance, know who you owe, and know your lenders. These details are going to have a lot to do with what your loan repayment plans and if you can get forgiveness options. This is must-have information if you to budget wisely.

There is hope for you if you find yourself in a tight financial spot where you cannot keep up with student loan payments. Generally speaking, you will be able to get help from your lender in cases of hardship. However, you may pay an increase in interest.

TIP! There is hope for you if you find yourself in a tight financial spot where you cannot keep up with student loan payments. Most lenders can work with you if you lose your job.

Always keep in contact with your lender. Make sure they know if your contact information changes. Take whatever actions needed as soon as possible. Missing anything in your paperwork can cost you owe a lot more money.

Private financing is one choice for paying for school. Because public loans are so widely available, there’s 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. Explore any options within your community.

Don’t discount using private financing for college. There is not as much competition for public loans.Explore the options within your community.

If you plan to prepay your loans, try to pay those with the highest interest rates first. 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.

Stafford loans offer loam recipients six month grace period.Other loans may vary. Know when you are to begin paying on time.

Figure out what will work best for your situation. Many loans offer a decade-long payment term. There are many other options if you need a different solution. You might be able to extend the payments, but the interest could increase. Also, paying a percent of your wages, once you start making money, may be something you can do. The balances on some student loans have an expiration date at 25 years.

Student Loans

Pay off student loans in interest-descending order. The loan with the largest interest rate should be your first priority. Whenever you have a little extra money, put it towards your student loans to pay them off as fast as possible. There is no penalty for paying off your loans early.

TIP! Pay off your loans in order of interest rates. Pay off the highest interest student loans first.

Select the payment plan that works for your particular situation. Many student loans offer a decade-long payment term. There are other options if this is not preferable for you. You might be able to extend the plan with a greater interest rates. You might be eligible to pay a percentage of income once you make money. Some balances on student loans are forgiven if 25 years.

Take as many hours each semester as you think you can handle so you don’t waste any money. Generally, being a full-time student is seen as 9 to 12 hours per semester, but if you can squeeze in between 15 or 18, then you should be able to graduate sooner. This will help reduce how much you have to borrow.

TIP! Take as many hours each semester as you think you can handle so you don’t waste any money. While full-time status often is defined as 9 or 12 hours a semester, if you can get to 15 or even 18, you can graduate much sooner.

Choose the payment option that is best suited to your circumstances. Many student loans offer 10 year length of time for repayment. There are other options if this is not right for you.For example, you can possibly spread your payments over a longer period of time, but that comes with higher interest. You may also do income-based payments after you are bringing in money. Sometimes student loans are written off after 25 years.

If you want your application for a student loan to be processed quickly, ensure that the forms are filled out completely and accurately. If you make any errors on the paperwork, this can cause a hold up in your getting the loan, which could cause you to be unable to pay for school when the semester starts.

TIP! Be sure to fill your student loan application correctly. Giving incomplete or incorrect information can delay its processing.

Pay off as soon as you are able to. Focus on the big loans off first. After you’ve paid off a large loan, continue making those same payments on the next loan in line. By making minimum payments on all of your loans and the largest payment possible on your largest loan, you will more quickly rid yourself of debt.

The Perkins Loan and the Stafford Loan are both well known in college circles. They are cheap and safe. The are idea, because the government shoulders the interest payments while you remain in school. Perkins loans have an interest rate of 5%. The Stafford loan only has a rate of 6.8 percent.

TIP! The Stafford and Perkins loans are good federal loans. They are both reliable, safe and affordable.

Get many credits each semester as you can. Full-time is considered 9 to 12 hours per semester, so getting between 15 and 18 can help you graduate sooner.This helps reduce the total of loan money you need.

Taking out a PLUS loan is something that a graduate student can apply for. They have an interest rate that is not more than 8.5 percent. These rates are higher, but they are better than private loan rates. Therefore, it should be something to consider.

TIP! A PLUS loan is specifically oriented to address the needs of graduate students and/or parents. The highest the interest rate will go is 8.

If your credit is abysmal and you’re applying for a student loan, you will need a co-signer. It is vital that you stay current on your payments in a timely manner. If you don’t, then your co-signer will not be happy because they are just as responsible for these payments as you are.

Get rid of the notion that by defaulting on a loan it will get you out of debt. There are various ways that your finances can suffer because of unpaid student loans. For example, the government can take a cut from your Social Security payments or your tax return. The government even has the right to take up to fifteen percent of what it deems your disposable income. Many times you will put yourself in an even worse situation.

Certain Lenders

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. There are websites that will help match you to scholarships and locate grants. Make sure to start the search process early.

TIP! Don’t rely solely on student loans for financing your college experience. Look into getting a scholarship or grant and explore other ways you can save money.

Remember that your school could have some motivation for recommending certain lenders to you. Schools sometimes allow lenders to refer to the name to private loan companies for a mutual benefit.This may not be in your best deal.The school may get a payment if a student signs with certain lenders. Make sure you grasp the nuances of any loan prior to accepting it.

Double check your application for mistakes before you submit it. If you do not fill it out correctly, you may not get as much money from the school. If you are confused about the form, consult with a counselor at your high school.

TIP! Double check all applications for errors. A mistake may result in you getting less money than you had hoped for.

Be wary of applying for private student loans. It can be hard to find out the terms. You may not know exactly what you are signing your name to until it is too late. Get as much information as you need first.

Get a meal plan on campus; this will save you money in the long run. You can prevent yourself from getting charged for dining hall extras, since you will just pay a flat fee for every meal you have.

TIP! To maximize your student loan money, purchases a by-meal food plan instead of a by-dollar amount food plan. With a meal plan based on the meal this means your meal will be a flat fee instead of a per item charge.

Do not rely on student loans in order to fund your education. Save your money up in advance and look into scholarships you might qualify for.There are a lot of great websites that offer information about available grants and scholarships for yourself. Make sure you start the search soon so you can be prepared.

Always stay connected to your lenders. This will keep you informed about the loan and aware of any stipulations to your payment plan. He or she may have useful information for you.

Double check to ensure that your application doesn’t have errors.This will determine how much aid you get. Ask for help from an adviser if you are uncertain.

You need to make sure you understand all the requirements of paying back the loan. Some types of loans have a designated grace period or are eligible for a forbearance or other options. Make certain you discuss all of the alternatives with your lender. You should research all of this before signing anything.

TIP! You need to make sure you understand all the requirements of paying back the loan. There are grace periods, forbearance and other possibilities.

Make sure you know the details of your repayment options.If you anticipate financial constraints immediately following graduation, consider signing up for graduated payments. This makes it so that your initial payments will be small and gradually increase over time when you hopefully are earning more money.

Take AP classes in high school to lessen your debt. 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.

Try to get a job at your college to help augment student loans costs. This will assist your overall finances and also give you some spending money.

Look into ways you can pay off your loans as soon as possible. Pay on time to ensure your credit doesn’t suffer. If multiple payments are too difficult, consolidating your student loans can help.

TIP! Be sure you know exactly how you plan to repay your student loans, and follow your plan diligently. Make sure you pay your loan on time so you don’t have any issues.

You have to pay off your loans some day. You will need to pay off these debts though. Using these tips, you’ll be able to get your education in an affordable manner.

To get a good return on a student loan, get some classes you can take online along with the traditional schooling you can get. 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. This will boost the hours you can get.

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

P.O. Box 78072
Atlanta, Ga. 30309
learn@beautyugly.com

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