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: October 18, 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

Clueless About Student Loans? Get Some Help Here

adviser

There is hope for you if you find yourself in a tight financial spot where you cannot keep up with student loan payments. Many lenders will let you postpone payments if you have financial issues. Just keep in mind that doing this might cause the lender to raise the interest rate on your loan.

Not many folks are able to afford to go to college tuition nowadays without financial aid. A student loan will help finance the cost of a college education.

Do not panic if an emergency makes paying your loans temporarily difficult. Anything can come up and interfere with your ability to pay, such as a medical emergency or getting laid off from work. There are forbearance and deferments available for such hardships. Remember that interest accrues with many loans, so it’s important to at least make the interest portion of your loan payments.

TIP! Don’t panic if you cannot make your payments on your student loans. Anything can come up and interfere with your ability to pay, such as a medical emergency or getting laid off from work.

Know all the little details of your loan. You need to watch what your balance is, who the lender you’re using is, and monitor your repayment progress. These three things will affect your repayment options. This information is necessary to plan your budget wisely.

Pay your loan off in two steps. First you need to be sure that you know what the minimum payments for the loans will be each month. Then, those with the greatest interest should have any excess funds funneled towards them. You will reduce how much it costs in the long run.

TIP! Pay your loans off using a two-step process. Always pay the minimum balance due.

Don’t panic if you can’t pay 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 are able to document your job. Just know that the interest rates rise.

Keep in mind the time that’s allotted to you as your grace period from when you get out of school until you have to start paying back the loan. If you have Stafford loans, you will usually have about 6 months. Perkins loans are about 9 months. Other loans vary. Be aware of exactly when you must start making payments, and be sure to make those payments on time!

TIP! Your loans are not due to be paid back until your schooling is complete. Make sure that you find out the repayment grace period you are offered from the lender.

Don’t be driven to fear when you get caught in a loan payment. Job losses and health emergencies are bound to pop up at one point or another. There are forbearance and deferments for such hardships. Just remember that interest keeps accruing in many forms, so try to at least make payments on the interest to prevent your balance from growing.

Be sure you select the right payment plan option for you. Many loans offer a decade-long payment term. If that doesn’t work for you, some other options may be out there for you. For instance, you may pay back within a longer period of time, but it will be with higher interest rates. You can put some money towards that debt every month. Some student loans offer loan forgiveness after a period of 25 years has elapsed.

TIP! Identify and specifically choose payment options that are suited to your personal circumstances. Ten year plans are generally the default.

There are two steps to paying off student loans. Always pay the minimum.Second, make extra payments on the loan whose interest rate is highest, and not just the largest balance. This will reduce your spending in the long term.

Pick a payment option which best fits your requirements. Many loans offer a ten year payment plan. If this isn’t going to help you out, you may be able to choose other options. For instance, you can take a longer period to pay, but that comes with higher interest. Another option would be a fixed percentage of your wages when you get a job. Certain types of student loans are forgiven after a period of twenty-five years.

Focus on paying off student loans with high interest loans. If you pay off the wrong loans first, you may pay more interest that you have to.

Pay the largest of your debts first. It should always be a top priority to prevent the accrual of additional interest charges. Make a concerted effort to pay off all large loans more quickly. Once you pay a big loan off, you can transfer the next payments to the ones that are next in line. By making sure you make a minimum payment on your loans, you’ll be able to slowly get rid of the debt you owe to the student loan company.

TIP! Lower your principal amounts by repaying high interest loans first. The smaller your principal, the smaller the amount of interest that you have to pay.

Stafford loans offer a period of six month grace period. Other types of student loans may vary. Know when you will have to pay them back and pay them on your loan.

For those on a budget already stretched to the max, the idea of a student loan can be scary. You can minimize the damage a little with loan reward programs. For instance, look into SmarterBucks and LoanLink, products of Upromise. They will make small payments towards your loans when you use them.

Payment Plan

Never sign anything without knowing what exactly it says and means. If something is unclear, get clarification before you sign anything. This is a simple way for the lender to receive a bit more money than they are entitled to.

TIP! Some people apply for loans and sign the papers without understanding the terms. You must ask the right questions to clarify what you don’t understand.

Select a payment plan that is best for you. Many student loans allow for a 10 year payment plan. There are other options if this is not preferable for you. You might be able to extend the plan with higher interest rate.You also have the option of paying a certain percentage of your post-graduation income. Some balances on student loans get forgiven when twenty-five years have passed.

To make sure your student loan application goes smoothly, make sure the information you include is accurate. Your application may be delayed or even denied if you give incorrect or incomplete information.

TIP! Fill out your paperwork the best that you can. Any information that is incorrect or incomplete can delay it being processed, potentially causing you to miss important deadlines and putting you behind in school.

The prospect of paying off a student loan payments can seem daunting for someone on a tight budget. There are loan reward programs that can help with payments. Look at websites such as SmarterBucks and LoanLink via Upromise.

If your credit isn’t the best, and you want to apply for private student loans, then you will probably need a co-signer. You must pay them back! If you can’t pay, your co-signer will also be liable.

TIP! If you apply for a private student loan and your credit is not that great, you are going to need someone to co-sign for you. Make your payments on time.

Stafford and Perkins loans are the best that you can get. These two are considered the safest and affordable. This is a great deal that you are in school your interest will be paid by the government. Perkins loans have an interest rate of 5 percent interest. Subsidized Stafford loans have a fixed rate of no higher than 6.8 percent.

Remember your school could have some motivation for recommending certain lenders to you. They may have a deal with a private lender and offer them use of the school’s name. This is really quite misleading. Sometimes a school will have worked out a financial deal with a lender if you choose to use them. Learn all you can about student loans before you take them.

TIP! Your school could have an ulterior motive for recommending you pursue your loan through particular lenders. Some schools let private lenders use their name.

Remember your school may have its own motivations for recommending you borrow money from particular lenders. Some schools let private lenders use the school’s name. This may not be in your best deal.The school can get money if you choose a commission for your loan. Make sure you grasp the nuances of any loan prior to accepting it.

If possible, maintain a job while you are attending school. This can help you offset your education expenses besides a loan. You also get to earn some extra money.

TIP! Consider finding a part time job on campus to supplement your income. 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.

Don’t think that you won’t have to pay your loans to free up money. The government has many ways to get the money through multiple options. They can take this out of your income taxes or Social Security. The government also lay claim to 15 percent of your disposable income. You could end up worse off that you were before in some circumstances.

Read and understand your student loan’s contract concerning how the loan is paid back. A grace period is offered in some loans, others offer a forbearance, and other circumstances may dictate other options. You should be clear about your loan details and what your lender expects. Realize your options before signing on the dotted line.

TIP! The payback terms are crucial to understand. You may qualify for a deferment or forbearance, depending upon your situation.

Double check to ensure that your application for mistakes before you submit it. This is important because it may affect how much aid you are offered. Ask someone for help from an adviser if you need it.

As soon as you think you’ll miss a payment, let your lender know. As long as the lender sees that you are making an effort up front, they will typically be much more interested in helping your credit to remain in good standing. You could qualify for a deferral or reduced payments.

Get a meal plan at school to make the long run. This will prevent getting charged for extra dining money since it’s just a flat fee for every meal.

If you want a good return on student loans, try taking classes online as well as in an actual classroom. This way, you can rack up more college credits. You can maximize the number of classes you are taking in this way.

TIP! To limit your reliance on student loans, try to take additional classes online. That way, you will be able to bolster your schedule and get the most out of your time.

Student loans make college a possibility for a lot of people, but they have to be paid back. Lots of folks borrow for college blindly without considering how the loans will eventually be paid back. Still, you must be mindful of what you are signing yourself up for.

If you want to make sure you keep student loan debt to a minimum, take a lot of AP classes when you’re in high school. The AP classes give you a college level competency exam at the end. If you score high enough, you get college credit as a result.

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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