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: November 21, 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

Easy Ideas To Make Student Loans Even Better

Know all of your loan’s details. Keep track of this so you know what you have left to pay. These three details all factor heavily into your repayment and loan forgiveness options. You have to have this information if you want to create a good budget.

TIP! Always know the pertinent details of your loans. You need to know how much you owe, your repayment status and which institutions are holding your loans.

Student loans are a very important for anyone that is considering going to college.Learning all you can about this type of debt is what you do not wind up in serious trouble after you graduate. Continue reading to learn all about student loans.

Stay in contact with all lenders. Make sure they know your current address and phone number. Be certain that you immediately review anything you get from your lender, be it an electronic notice or paper mail. Do whatever you need to as soon as you can. Missing an important piece of mail can end up costing a great deal of money.

TIP! Keep in close touch with your lender. Make sure they know your current address and phone number.

Know that there’s likely a grace period is in effect before you must begin to make payments on the loan. This is typically a six to nine month period after you graduate before repayments is required. Knowing 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.

Private financing is always an option. Even though there are plenty of student loans publically available, you are faced with more people trying to secure them. Many people do not know about private loans; therefore, they are usually easier to get. Speak with the people in your area to find these loans, which can cover books and room and board at least.

Keep in touch with your lender. Make sure they know if your contact information changes. Make sure you take all actions quickly. Missing anything could make you valuable money.

Paying down your student loans should be done using a two-step payoff method. Start by making the minimum payments of each loan. Second, you will want to pay a little extra on the loan that has the higher interest rate, and not just the largest balance. This will make it to where you spend less money over a period of time.

TIP! There are two steps to approach the process of paying off student loans you have taken out. Start by making the minimum payments of each loan.

Don’t be driven to fear when you have a slight hiccup when paying back your loans. Job loss and health emergencies are bound to pop up at one point or another. There are forbearance and deferments for such hardships. Just be mindful that interest continues to accrue in many options, so try to at least make payments on the interest to keep the balances from increasing.

If you plan to prepay your loans, try to pay those with the highest interest rates first. You may owe more money if you don’t prioritize.

TIP! If you have the ability to pay more than what you owe on your loans, try to get those with the highest interest taken care of first. If you base your payment on which loans are the lowest or highest, there is a chance that you will end up owing more money in the end.

Focus initially on paying off student loans with high interest loans. If you try to pay off the ones with the lowest balances first, there’s a chance you’ll be owing more at the end.

Reduce your total principle by paying off your largest loans as quickly as possible. If you don’t owe that much, you’ll pay less interest. Concentrate on repaying these loans before the others. When you pay off one loan, move on to the next. Make minimal payments on all your loans and apply extra money to the loan with the greatest interest in order to pay off all your loans efficiently.

TIP! You should try to pay off the largest loans first. When you owe less principal, it means that your interest amount owed will be less, too.

Reduce your total principal by paying off as quickly as possible. Focus on paying the big loans up front. Once you pay off one big loan, simply transfer those payments to the next largest ones. When you make an effort to pay off your largest loans with the largest payments possible and pay the minimum on smaller loans, you can eventually eliminate all your student debt.

Payments for student loans can be hard if you don’t have the money. A loan rewards program may help with this circumstance. Places to check out are SmarterBucks and LoanLink which are programs available from Upromise. These allow you to earn rewards that help pay down your loan.

TIP! The thought of paying on student loans can be daunting. You can minimize the damage a little with loan reward programs.

The thought of making payments on student loans each month can be daunting. There are rewards programs that can help with payments. Look at websites such as SmarterBucks and LoanLink via Upromise.

Keep in mind that the school you attend could have a hidden agenda when it comes to them recommending you to a lender. Schools sometimes lend their name to private loan companies for a mutual benefit. This can lead to misunderstandings. The school might get an incentive if you use a certain lender. Know what is going on before you sign.

TIP! Keep in mind that your school could have other motivations when they recommend certain lenders. Some colleges allow lending companies to use the name of the college.

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 you keep to aminimum the amount of loan amounts you have to accrue.

Be wary of private student loans. Many times, it may be difficult to understand the loan’s terms. Sometimes, you really will not know what you have gotten into until you’ve already committed to a loan. If there are terms you find unfavorable at this point, then it can be really hard to back out of the deal. Gather as much facts and information as you are able to. Compare offers and see if banks are willing to compete with each other for your loan.

Be sure to fill out your loan application correctly. Incorrect or incomplete information can result in having to delay your college education.

Stay in contact with your lender. This is important because you may have questions down the line. They may even have some great tips on repayment.

TIP! Stay in touch with the lender. This is key because you need to have all the particulars with regard to the loan and the terms regarding its repayment.

PLUS student loans are something that you should consider if graduate students. They cap their interest rate of no more than 8.5%. Although it is higher than Perkins and Stafford Loans, it is lower than the rates charged for private loans. This may be a great choice for more established students.

Find a job you can do on campus to help augment the income you get from student loans. This will help you contribute money and avoid taking out such a large loan.

Student Loans

If you have a large balance on student loans, don’t panic. Though it is considerable, the lenders do not expect it in one lump sum. By staying the course and exercising financial responsibility, you will certainly be able to conquer the debt.

TIP! Don’t panic if you find yourself facing a large student loan balance needing to be paid back. This amount may seem large at first glance, but it’s repaid gradually over time.

You must accept one thing. If you take out too many student loans or the wrong types of student loans, it can ruin your life. The best way to protect yourself from financial ruin down the road is to study the subject of student loans prior to your time of need. The article above should be helpful to you.

Always make sure you’re in the know about the payback terms. Some loans offer grace periods, forbearance options and other financial choices that depend on your circumstances. It is critical that you are aware of your options and the lender’s expectations. Find these things out before signing any documents.

November 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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