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

Getting Student Loans: Tips And Tricks

Know how long of a grace period is in effect before you must begin to make payments on the loan. This usually refers to the amount of time you are allowed after you graduate before repayments is required. This can also give you a big head start on budgeting for your student loan.

TIP! Know what kind of grace periods your loans offer. This usually means the period of time after graduation where the payments are now due.

Student loans can provide a chance at higher education that might otherwise not have. The following information will make it easier to make the right decision about your educational future.

Remember private financing. While public loans for students are available widely, there is a lot of competition and demand for them. Many people do not know about private loans; therefore, they are usually easier to get. Look at these loans at a local college since they can cover one semester worth of books.

TIP! Private financing is always an option. While public loans for students are available widely, there is a lot of competition and demand for them.

Always stay in touch with your lender. Make sure you update them with your current address and phone number. Take any and all actions as soon as possible. Missing an important piece of mail can end up costing a lot more money.

Never do anything irrational when it becomes difficult to pay back the loan. Job losses and health emergencies are part of life. There are forbearance and deferments available for such hardships. It’s important to note that the interest amount will keep compounding in many instances, so it’s a good idea to at least pay the interest so that the balance itself does not rise further.

TIP! Don’t panic if you have a slight hiccup when paying back your loans. Life problems such as unemployment and health complications are bound to happen.

Pay your loan off using a two-step process. Begin by figuring out how much money you can pay off on each of your loans. Second, pay anything extra to the loan with the highest interest rate, and not just the largest balance. This will keep your total expenditures to a period of time.

If you wish to repay student loans in advance, deal with the ones with the highest interest rates first. Calculating the terms properly will prevent spending more money than is necessary by the end of the loan.

TIP! If you wish to repay student loans in advance, deal with the ones with the highest interest rates first. You may owe more money if you don’t prioritize.

Focus on paying off student loans with high interest loans. You may think to focus on the largest one but, because taking care of the lower ones could cause you to end up paying more money.

Go with the payment plan that best suits your needs. 10 years is the default repayment time period. If this does not appear to be feasible, you can search for alternative options. For instance, you might secure a longer repayment term, but you will end up paying more in interest. Another option would be a fixed percentage of your wages when you get a job. Sometimes student loans are written off after an extended period of time.

Stafford loans offer a six months. Other types of student loans’ grace periods vary. Know when you are to begin paying on time.

If you have more than one student loan, pay each off according to interest rates. Pay off the one with the highest interest rate first. Using any extra cash available can help pay off student loans faster. Student loans are not penalized for early payoff.

TIP! Prioritize your loan repayment schedule by interest rate. Go after high interest rates before anything else.

Select a payment plan that works well for your needs. Many loans come with a decade-long payment term. There are other options if this is not preferable for you. You might get more time with a greater interest rate. You might be eligible to pay a certain part of income when you get some work. Some loans offer loan forgiveness after a period of 25 years.

Pay off the largest loan to reduce the total principal. The lower the principal amount, the lower the interest you will owe. Focus on paying the largest loans off first. After you’ve paid off a large loan, you can transfer your payments to the second largest one. If you make at least the minimum payment on all loans and large payments on the biggest loan, your student loan balances will disappear.

TIP! Reduce the total principal by getting things paid off as fast as you can. When you reduce your overall principal, you wind up paying less interest over the course of the loan.

Pick a payment plan that you know will suit the needs you have. Many student loans will offer 10 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 you will end up paying more in interest. You might also be able to pay a percentage of your income once you are bringing in money. Some student loan balances get forgiven after 25 years.

Take a large amount of credit hours to maximize your loan. 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! Squeeze in as many possible credit hours as you can to maximize your student loans. 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.

Pay off student loans in terms of their individual interest rates. The loan with the individual highest rate should be your first priority. Using your extra cash can help you get these loans more rapidly is a smart choice. There will be no penalty because you have paid them off a loan more quickly than warranted by the lender.

Never sign anything without knowing what exactly it says and means. Ask to get clarification on anything you don’t understand. It is simple to receive more cash than they were meant to.

Smaller Loans

To make sure your student loan application goes smoothly, make sure the information you include is accurate. You might find your paperwork in a stack waiting to be processed when the term begins.

TIP! Fill out your paperwork the best that you can. You might find your paperwork in a stack waiting to be processed when the term begins.

Reduce the total principal by paying off as quickly as possible. Focus on the big loans first. Once a large loan has been paid off, you can focus on smaller loans. 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.

Stafford and Perkins loans are the most advantageous federal loans to get. These are highest in affordability and safety. They are a great deal, because the government covers your interest while you are still in school. The Perkins Loan has an interest rate of five percent. Subsidized Stafford loans have an interest rate cap of 6.8%.

TIP! The Perkins loan and the Stafford loan are the most desirable federal programs. Many students decide to go with one or both of them.

The thought of making payments on student loans can be daunting. You can make things a bit easier with loan reward programs. Look at the SmarterBucks and LoanLink to learn about this kind of program offered by Upromise.

Avoid depending on student loans completely for school. You should do what you can to earn extra money, and you should also look to see what school grants or scholarships you may be eligible for. There are websites that will help match you to scholarships and locate grants. Try not to delay and get out and get looking as quickly as possible.

TIP! Avoid relying totally on student loans when it comes to paying for your education. Make sure you save money for your education and research grants and scholarships to help.

Get many credits each semester. Full-time is considered 9 to 12 hours per semester, so getting between 15 and 18 can help you graduate sooner.This helps to lower your loans.

Understand your repayment options at all times. If you believe finances will be tight after graduation, try to get a graduated repayment plan. This ensures your starting payments aren’t huge and go up slowly.

TIP! Get a good ideas as to what options you have when it comes time to repaying your loans. Graduated payments are something to consider if you’re struggling financially.

Many students resort to student loans to pay off college. If you don’t educate yourself about loans, it can lead to financial ruin. Use the above material as a resource so that you can stay on track.

Try to get a job to make money on the side. That way you can offset some of the expenses of your education in ways other than a loan, and you can also end up with some extra pocket money to carry around.

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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