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 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

Getting A Good Rate On A Student Loan

Find out what the grace period is you are offered before you are expected to repay your loan. This generally means the period after you graduate where the payments will become due. This can also give you a big head start on budgeting for your student loan.

TIP! Make sure you know what the grace period is for your loans before you need to start making payments. This is the amount of time you are allowed after graduation before you loan becomes due.

Many people today would love to a quality education but don’t think they can’t because of the high costs. While a college education costs thousands of dollars, you can take out a student loan to attend. The following advice will help improve your situation.

If an issue arises, don’t worry. Health emergencies and unemployment are likely to happen sooner or later. Realize that there are ways to postpone making payments to the loan, or other ways that can help lower the payments in the short term. Make sure you realize that interest will keep building, so think about making at least interest payments so that you can keep balances from growing out of control.

Don’t neglect private financing to help pay for your college years. There is not as much competition for public loans.Explore the options within your community.

When paying off your loans, go about it in a certain way. The first thing you need to do is be certain that you are making the minimum required monthly payment on each loan. Next concentrate on paying the largest interest rate loan off first. This will make things cheaper for you over time.

TIP! Work hard to make certain that you get your loans taken care of quickly. Always pay on each of them at least the minimum.

Don’t panic when you get caught in a snag in your loan repayments. Unemployment or a health emergencies will inevitably happen. There are forbearance and deferments for most loans. Just know that the interest will build up in some options, so try to at least make payments on the interest to prevent your balance from growing.

If you are considering paying off a student loan early, start with the loans with high interest rates. You may think to focus on the largest one but, the accruing interest will add up to more over time.

TIP! Focus on paying off student loans with high interest rates. If you pay off the wrong loans first, you could end up paying more than you need to.

Pay your student loans off using a two-step process.Always pay on each of them at least the minimum balance due. After that, you will want to pay anything additional to the loan with the highest interest.This will minimize the amount of money you wind up paying.

Figure out what will work best for your situation. Most student loan companies allow the borrower ten years to pay them back. If these do not work for you, explore your other options. For instance, you may pay back within a longer period of time, but it will be with higher interest rates. After you begin to make money, you might be able to use a certain percentage of that income to help pay down the student loan. Some balances on student loans are forgiven after a period of 25 years.

Stafford loans offer six months. Other loans can vary. Know when you will have to pay them back and pay them on your loan.

Pay off big loans with higher interest rates first. The less principal you owe overall, the less interest you will end up paying. Focus on paying off big loans first. When a large loan is repaid, just start paying on the next ones you owe. When you apply the biggest payment to your biggest loan and make minimum payments on the other small loans, you have have a system in paying of your student debt.

TIP! Pay off the loan with higher interest rates first so you can shrink the amount of principal you owe faster. That means you will generally end up paying less interest.

Choose a payment options that fit your circumstances. Many student loans offer a ten year repayment plan. There are other options if this is not right for you.For instance, you can spread your payments out over more time, but that comes with higher interest. You may also be able to pay a percentage of your income. Certain student loan balances just get simply forgiven after a period of twenty-five years.

For those on a budget already stretched to the max, the idea of a student loan can be scary. There are loan reward programs that can help people out. For example, you can look at SmarterBucks or LoanLink programs from Upromise. These give you rewards that you can apply toward your loan, so it’s like a cash back program.

Student Loans

To get more from student loan money, try taking as many credits as you can. As much as 12 hours during any given semester is considered full time, but if you can push beyond that and take more, you’ll have a chance to graduate even more quickly. This helps reduce the total of loans.

TIP! To get the most out of your student loan dollars, take as many credit hours as possible. Full-time status is usually 9-12 hours per semester, so getting between 15 and 18 can help you graduate sooner.

Prioritize your repayment of student loans by interest rate of each one. The loan should be paid off first. Using the extra money you have can help pay off student loans faster. There will be no penalty for repaying sooner than expected.

Many obtain student loans, sign their documents, but remain clueless about what they’re signing into. If things feel unclear, it is important to get a better understanding of them right away. There are unscrupulous lenders who will take advantage of the unwary.

TIP! A lot of people apply for a student loan and sign things without having knowledge of what they’re doing. It’s a good idea to speak with the lender to ask about thing you don’t know too much about.

Reduce your total principal by getting things paid off as quickly as possible. Focus on paying the largest loans up front. After you have paid off your largest loan, begin paying larger payments to the second largest debt. When you apply the biggest payment to your biggest loan and make minimum payments on the other small loans, you’ll find that it is much easier to eliminate your debt.

Be sure to fill your student loan application correctly. You might find your paperwork in a stack waiting to be processed when the term begins.

TIP! 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 a mistake, it will take longer to go through.

Get many credits each semester as you can. Full-time status is usually 9-12 hours per semester, take a few more to finish school sooner. This helps you keep to aminimum the amount of loans.

Stafford and Perkins loans are two of the best that you can get. Many students decide to go with one or both of them. The are idea, because the government shoulders the interest payments while you remain in school. The Perkins loan has a small five percent rate. Subsidized Stafford Loans will have an interest rate that goes no higher than 6.8 percent.

TIP! The Perkins Loan and the Stafford Loan are both well known in college circles. These are very affordable and are safe to get.

Many people will apply for student loans and sign paperwork without reading what they are signing. This is an easy way a lender may collect more payments than they are supposed to.

Talk to your lender if you want to gain insight on your loan. This will keep you informed about the loan and aware of any stipulations to your payment plan. Your lender can also give you tips to repay your loan more effectively.

Fill out your paperwork for student loans with great accuracy to facilitate quick processing. Incorrect or incomplete loan information can result in having to delay your education.

Know what your repayment options are. If it’s going to be hard for you to survive after graduation, think about acquiring graduated payments. This ensures your starting payments aren’t huge and go up slowly.

TIP! Make sure you know the details of your repayments requirements. Graduated payments are something to consider if you’re struggling financially.

Stafford and Perkins loans are the best that you can get. These are very affordable and most affordable. This is a good deal because while you may want to consider.The Perkins Loan has an interest rate of 5%. The subsidized Stafford loan only has a rate that does not exceed 6.8%.

Consider finding a part time job on campus to supplement your income. Doing this can help provide you with money from a source other than loans to help pay for your education, not to mention that you also wind up with a bit of extra spending money.

TIP! Get an on-campus to help you make ends meet. This will help you contribute money and avoid taking out such a large loan.

If you need for a student loan and do not have good credit, chances are that you’ll need a co-signer. You should be sure to stay on top of your payments. If you miss a payment, your co-signer will be held responsible.

Don’t get into a panic if you see a large balance you have to pay back when you get student loans. Although it is likely to seem like a substantial sum, you will pay it back a little at a time over a long time period. If you diligently work and save money, you will eventually pay off your loans.

TIP! When you have big student loan looming with a big balance, try not to go into panic mode. It might seem daunting at first, but the gradual repayment terms will make things more manageable.

Keep in mind that the school could have other motivations when it comes to them recommending you to a lender. There are institutions that actually allow the school’s name. This may not the best deal. The school may get a payment if a student signs with certain lenders. Make sure to understand all the subtleties of any loan prior to accepting it.

Make sure you understand repayment terms. Some loans have grace periods or offer other options for unusual circumstances. It is critical that you are aware of your options and the lender’s expectations. Realize your options before signing on the dotted line.

TIP! Always make sure you’re in the know about the payback terms. Certain loans are known for having a grace period, and some have forbearance and other repayment options.

Don’t think that you can default on your debt back. The federal government can get back this money in a few different ways. They can take your taxes at the end of the year. It can also possible for the government to garnish 15 percent of all disposable income. This will put you worse off.

If you can’t pay your bill, call the lender. Your lender will be much more forgiving if they know this in advance. 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! If you think you will be unable to make a payment, contact your lender as soon as possible. You are more likely to get your lender to help you if you are honest with them.

Higher education is expensive and may require incurring some debt to complete. Getting the financing to pay for school is easy when solid information is available. Use the tips wisely whenever you go to fill out those financial aid forms.

Take AP classes in high school to lessen your debt. If you pass the class, you will get college credit.

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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