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 17, 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

Don’t Understand Student Loans? Read This Piece

Understand the grace period of your loan. This is the period of time after your graduation before your payment is due. Knowing this will give you a head start on getting your payments in on time and avoiding hefty penalties.

Student loans are the reality for the vast majority of getting a higher education. Keep reading to learn more about this sort of taking out student loans.

Don’t panic if you can’t make a payment due to job loss or another unfortunate event. Usually, most lenders let you postpone payments if some hardship is proven. However, this can make it to where you have higher interest rates and more to pay back.

TIP! Don’t be scared if something happens that causes you to miss payments on your student loans. When hardship hits, many lenders will take this into consideration and give you some leeway.

Know what kind of grace period is in effect before you must begin to make payments on the loan. This generally the period after graduation when the payments are due. Knowing when this is over will allow you to know when to pay your payments are made on time so you don’t have a bunch of penalties to take care of.

Keep in mind that private financing is an option to help pay for school. Though federal loans are common, competition in the market does exist. Private loans are not in as much demand, so there are funds available. Ask around your city or town and see what you can find.

TIP! Do not overlook private sources of funds for college. There are lots of student loans available, and there is also a lot of demand and a lot of competition.

Don’t worry if 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 current hardship. Just remember that doing this might cause the lender to raise the interest rate on your loan.

Do not panic when you are faced with paying back student loans. You could lose a job or become ill. You may have the option of deferring your loan for a while. However, the interest will build during the time you are not making payments.

TIP! Try not to panic if you can’t meet the terms of a student loan. You could lose a job or become ill.

Focus initially on paying off student loans with high interest loans. If your payment is based on what loans are the highest or lowest, then you might actually end up paying back more in the end.

When paying off student loans, do it using a two-step process. The first thing you need to do is be certain that you are making the minimum required monthly payment on each loan. Second, make extra payments on the loan whose interest rate is highest, not the loan that has the largest balance. This helps lower the amount of costs over the course of the loan.

TIP! Work hard to make certain that you get your loans taken care of quickly. First, ensure you make all minimum monthly payments.

Stafford loans typically allow six months of grace period. Other types of student loans will vary. Know when you will have to pay them back and pay them 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. This will reduce the total amount of money that you must pay.

TIP! If you plan to prepay your loans, try to pay those with the highest interest rates first. This will reduce the total amount of money that you must pay.

Select the payment option that works for your particular situation. Many loans offer 10-year payment plans. There are other choices available if you can’t do this. You might be able to extend the plan with a greater interest rates. You might also be able to pay a certain part of your income once you begin making money. Some student loans are forgiven after a period of 25 years.

Pick out a payment option that you know can meet the needs you have. Many student loans come with a 10-year plan for repayment. If you don’t think that is feasible, you should check for alternatives. Understand if you choose a longer repayment period you will end up having to pay more in interest. Consider how much money you will be making at your new job and go from there. There are some student loans that will be forgiven if you have not got them paid in full within 25 years.

TIP! Pick out a payment option that you know can meet the needs you have. The majority of student loans have ten year periods for loan repayment.

Many people apply for student loans without really understanding what they are getting into. This is an easy way that lenders use to get more than they are supposed to.

It may be frightening to consider adding student loans to your bills if your money is already tight. There are loan rewards opportunities that can help. Upromise offers many great options. These are very similar to cash back programs, where any dollars you spend can accumulate rewards which apply to your student loan.

TIP! For those on a budget already stretched to the max, the idea of a student loan can be scary. There are frequently reward programs that may benefit you.

If you try to get private loans with poor credit, you are going to need someone to co-sign for you. You must be current on top of your payments. If you get yourself into trouble, you are affecting the credit of the person who went to bat for you.

Get the maximum bang for the buck on your student loans by taking as many credits each semester as you can. Though full-time student status requires 9-12 hours only, if you are able to take 15 or more, you will be able to finish your program faster. This helps to lower your loan amounts.

TIP! To make your student loan money stretch even farther, consider taking more credit hours. Full-time students typically have a minimum of nine to twelve hours per semester, but some schools let you take up to fifteen or even eighteen, speeding up your graduation date.

Do not think that you can just default on student loan debts. The federal government will be able to recover that money through multiple options. They can take this out of your income taxes at the end of the year.It could also get part of all disposable income. This will put you worse off.

Many people get student loans without reading the fine print. Make certain that you understand all of the facts before signing the dotted line. An unscrupulous lender will always look for ways to see if they can get more money out of you.

TIP! Many people will apply for their student loans without reading what they are signing. It is essential that you question anything you do not clearly understand.

For so many people acquiring a student loan is what makes their dreams of attending school a reality, and without it, they would never be able to afford such a quality education. To borrow responsibly, you must do as much research as possible beforehand. Use the advice that you just learned during your experience.

If you do not have excellent credit and you must put in an application to obtain a student loan through private sources, you will require a co-signer. You have to make every single payment. If you don’t, the person who co-signed is equally responsible for your debt.

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learn@beautyugly.com

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