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

Getting A Good Rate On A Student Loan

Know that there’s likely a grace period built into having to pay back any loan. Usually, there is a time period after you leave school before you must begin paying the loans. You can use this time to start saving up for some initial payments, getting you ready to avoid any penalties.

TIP! Verify the length of the grace specified in the loan. This usually refers to the amount of time you are allowed after you graduate to pay back the loan.

Many people don’t know what to do when they need to get a student loans. This is usually because they are not really familiar with the process. This article can clarify everything there is to know about student loan information here.

Always be aware of what all the requirements are for any student loan you take out. Make sure you know how much you owe and how to contact your lender. You also want to know what your repayment status is. These facts will determine your loan repayment and forgiveness options. This is must-have information if you are to budget wisely.

TIP! Know all of your loan’s details. You must pay close attention to how much you owe, what the terms are and the name of your lending institution.

Know that there’s likely a grace period is in effect before you must begin to make payments on the loan. This is generally the amount of time you have before the lender will ask that your payments are due. Knowing this allows 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.

Stay in contact with all lenders. Make sure they always know your address, phone number and email, all of which can change often during your college experience. Do not put off reading mail that arrives from the lender, either. You should take all actions immediately. Missing anything could make you owe a lot more money.

TIP! Keep in close touch with your lender. Always let them know when you change your phone number, mailing address or email address, and these things can happen often when you are in college.

Make sure you understand the important facets of your student loans. You must watch your balance, keep track of the lender, and what the repayment status currently is with loans. These details affect loan forgiveness and repayment options. This will allow you to budget wisely.

Private financing is something that you may want to consider. There is not as much competition for this as public loans. 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. Seek out what sorts of options there may be in your local area.

TIP! Private financing could be a wise idea. While you can easily find public ones, they have a lot of competition since they’re in demand.

Don’t forgo private loans for financing a college education. There is not as much competition for public student loans even if they are widely available. Explore any options in your community.

Pay your loans off using a two-step process. Begin by figuring out how much money you can pay off on these student loans. The second step is applying any extra money you have to your highest-interest-rate loan and not the one with the biggest balance. This will reduce how much money spent over time.

Interest Rate

If you wish to repay student loans in advance, deal with the ones with the highest interest rates first. If you solely base your repayment by which ones have a lower or higher balance, then you might actually end up paying back more in the end.

TIP! If you are considering paying off a student loan early, start with the loans with high interest rates. If you get your payments made on the loans that have the lowest or the highest, it can cost you extra in the end.

Use a process to pay off your student loans paid off. Begin by figuring out how much money you can pay the minimum payments on these student loans. Second, make extra payments on the loan whose interest rate is highest, use it to make extra payments on the loan that bears the higher interest rate rather than the one that bears the highest balance. This will reduce how much money spent over a period of time.

Know how much time your grace period is between graduating and when you need to start paying back loans. Stafford loans typically allow six months. For Perkins loans, you’ll have a nine month grace period. Different loans will be different. It is important to know the time limits to avoid being late.

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.

Select a payment option that works well for your particular situation. The ten year repayment plan for student loans is most common. If that doesn’t work for you, some other options may be out there for you. You might be able to extend the payments, but the interest could increase. You might also be able to pay a percentage of your income once you begin making money. Sometimes you may get loan forgiveness after a period of time, often 25 years.

TIP! Be sure you select the right payment plan option for you. Many student loans offer 10-year payment plans.

Select the payment option that works well for you. Many loans allow for a decade-long payment plan. There are many other choices available if this is not preferable for you.You might get more time with higher interest rate. You may have to pay a certain part of your income once you begin making money. Some balances pertaining to student loans are forgiven in 25 years later.

Tackle your student loans according to which one charges you the greatest interest. You should pay off the loan that has the highest interest first. Using any extra cash available can help pay off student loans faster. There are no penalties for paying off a loan more quickly than warranted by the lender.

TIP! Prioritize your repayment of student loans by the interest rate of each one. Pay off the one with the highest interest rate first.

Pay off your different student loans in interest-descending order. The loan should be paid off first. Using any extra money you have can get these things paid off quicker later on. There is no penalties for paying off a loan faster.

Pay off big loans with higher interest rates first. That means you will generally end up paying less interest. Stay focused on paying the bigger loans first. When you pay off a big loan, apply the payment to the next biggest one. When you make minimum payments against all your loans and pay as much as possible on the largest one, you can eventually eliminate all your student debt.

Biggest Loan

To make the most of a loan, take the top amount of credits that you can. 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. This helps to lower your loan amounts.

TIP! Take as many hours each semester as you think you can handle so you don’t waste any money. 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.

Pay off your biggest loan to reduce your total debt. Focus on the largest loans off first. After paying off the biggest loan, apply the amount of payments to the second largest one. When you make an effort to pay off your largest loans with the largest payments possible and pay the minimum on smaller loans, you get rid of the debts from your student loans systematically.

Some people apply for loans and sign the papers without understanding the terms. Make certain that you understand all of the facts before signing the dotted line. If you do not do this, you may end up paying more than you should for your education.

TIP! Many obtain student loans, sign their documents, but remain clueless about what they’re signing into. Always ask any questions that come up or if you need anything clarified.

The prospect of paying off a student loan every month can be somewhat daunting for someone on a tight budget. You can minimize the damage a little with help from loan rewards programs. Look at websites such as SmarterBucks and LoanLink via Upromise.

Stafford and Perkins loans are two of the best that you can get. These are highest in affordability and safety. They are a great deal because the government pays the interest on them during the entirety of your education. The interest for a Perkins loan holds at five percent. Subsidized Stafford Loans will have an interest rate that goes no higher than 6.8 percent.

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

Be sure to fill out your student loan applications neatly and properly to avoid any delays in processing. Incorrect and incomplete information can result in having to delay your college education.

Double-check your application for financial aid to ensure that it is free of errors. Errors on your application can alter the amount you are loaned. If you have doubts about any of the information, consult a financial aid rep.

Student Loans

Do not stress too much when you see the full amount owed on your student loan. This might feel like it’s a huge amount when checking it out, but you have to pay it over time so it’s really not that bad. Work hard to manage your loans as quickly and efficiently as possible.

TIP! Do not be overcome with concern if your student loan balance seems insurmountable. This may seem overwhelming; however, you can gradually pay it back.

You do not have to be scared of student loans. You should know how to make smart decisions about student loans now. Use these tips to find loan that’s perfect for you.

You must always make the effort to be aware of all payback terms for a student loan. Some loans have a grace period, or can be granted a forbearance and other options for different circumstances. Make sure that you are aware of all your options. Before signing anything, find out more about it.

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

Visitor Tracking

top
Copyright 2016-18. I Market Coaching. All rights reserved.