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 27, 2020

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

Read These Tips Before Getting A Student Loan

Always be mindful of specific loan details. You need to know how much you owe, your repayment status and which institutions are holding your loans. It will benefit you in getting your loans taken care of properly. You need this information to budget yourself appropriately.

TIP! Make it a point to be aware of all the important facets of your student loans. You must pay close attention to how much you owe, what the terms are and the name of your lending institution.

Does the price of education scare you? You probably wonder how other people can afford these pricey schools even during poor economic times are tough. Many people take out student loans to pay for school. It is possible for you to get one as well, and the article below will show you how to do so.

Always keep in touch with all of your lenders. Keep them updated on your personal information. Do not put off reading mail that arrives from the lender, either. Take the actions you need to take as quickly as you can. It can be quite costly if you miss anything.

TIP! Keep in contact with the lender. Keep them updated on your personal information.

Know how long of a grace period built into having to pay back any loan. This is the period of time you are allowed after graduation before you loan becomes due. Knowing when this allows you to know when to pay your payments on time so you don’t have a bunch of penalties to take care of.

Think about getting a private loan. Public loans are great, but you might need more. Private loans are not in as much demand, so there are funds available. Explore any options within your community.

TIP! Don’t overlook private financing for your college years. Student loans from the government are plentiful, but they come with a lot of competition.

Keep in contact with your lender. Make sure they know your contact information changes. Take whatever actions as soon as you can. Missing anything could make you owe a great deal of money.

If you are in the position to pay down your student loans, make the high interest loans your first priority. If you get your payments made on the loans that have the lowest or the highest, it can cost you extra in the end.

TIP! If you are in the position to pay off student loans early and inclined to do so, make sure you begin with the loans that carry the highest rate of interest. 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.

Don’t panic if you can’t make a payment on your student loan due to a job loss or another unfortunate circumstance. Most lenders have options for letting you if you are able to document your job. Just remember that doing this option often entails a hike in your interest rates.

Choose payment options that best serve you. Many loans offer payment over a decade. If this does not appear to be feasible, you can search for alternative options. For instance, you can possibly spread your payments over a longer period of time, but you will have higher interest. Another option would be a fixed percentage of your wages when you get a job. Some student loan balances are forgiven after twenty five years have passed.

TIP! Choose the payment option that is best suited to your needs. The average time span for repayment is approximately one decade.

Don’t panic if you get caught in a loan payment. Unemployment or a health emergencies can happen to you from time to time.There are forbearance and deferments for such hardships. Remember that interest accrues in a variety of ways, so it’s important to at least make the interest portion of your loan payments.

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 lets you minimize the loan amounts you have to accrue.

TIP! Take a large amount of credit hours to maximize your loan. If you sign up for more course credits each semester you can graduate a lot quicker, which in the end will save you a lot of money.

Focus on the high interest rates. If you get your payments made on the loans that have the lowest or the highest, there’s a chance you’ll be owing more at the end.

Lots of folks secure student loans without truly understanding the fine print. It is essential that you question anything you do not clearly understand. This is a simple way for the lender to receive a bit more money than they are entitled to.

Stafford loans offer six months. Other kinds of student loans can vary. Know when you are to begin paying on time.

Fill out your paperwork the best that you can. Your application may be delayed or even denied if you give incorrect or incomplete information.

TIP! To keep from having your student financial loans delayed, it’s important to pay attention and fill out the paperwork correctly before submitting. Incorrect and incomplete information gums up the works and causes delays to your education.

Choose the payment options that fit your needs. Many loans offer 10 year payment over a decade. There are other options if this is not right for you.For example, you might secure a longer repayment term, but this will increase your interest.You might also be able to pay a percentage of your income once you are bringing in money. Some loans’ balances are forgiven after 25 years.

The Stafford and Perkins loans are good federal loans. These are very affordable and are safe to get. It ends up being a very good deal, because the federal government ends up paying the interest while you attend school. The interest for a Perkins loan holds at five percent. The interest rate on Stafford loans that are subsidized are generally no higher than 6.8 percent.

TIP! Perkins and Stafford are some of the best federal student loans. Many students decide to go with one or both of them.

Prioritize your loan repayment of student loans by interest rate. The highest rate loan should be dealt with first. Using additional money to pay these loans paid off quicker. There is no penalty because you have paid them off your loans early.

There are specific types of loans available for grad students and they are called PLUS loans. The interest rate on these loans will never exceed 8.5% These loans give you a better bang for your buck. These loans are much better suited to an older student that is at graduate school or is close to graduating.

TIP! Parents and graduate students can make use of PLUS loans. The PLUS loans have an interest rate below 8.

The idea of monthly student loan every month can seem daunting for a recent grad on an already tight budget. You can make things a little with help from loan reward programs. Look at programs like SmarterBucks and LoanLink to learn about this kind of program offered by Upromise.

Your school could be biased toward certain lenders. Many institutions allow selected private lenders to use the school name in their promotions. This can mislead you sometimes. The school can get a portion of this payment. Therefore, don’t blindly put your trust in anything; do your own research.

TIP! Some schools have reasons that they may try to motivate you to go toward one particular lender to get a student loan. Certain schools let private lenders use the name of the school.

Stafford and Perkins are two of the best loan options.These are highest in affordability and are safe to get. This is a good deal because while you may want to consider.The Perkins Loan has a small five percent rate. Subsidized Stafford Loans will have an interest rate of no more than 6.8 percent.

You aren’t free from your debt if you default on your loans. The federal government has multiple options available to recover its money. For example, they can claim a little of a tax return or even a Social Security payment. In addition, they can garnish your wages and take a significant portion of your take home pay. In a lot of cases, you’ll be in a worse place than you already were.

TIP! Do not think that you can just default on student loans to get out of paying them. The government will come after you.

Remember that your school could have its own motivations for recommending certain lenders to you. Some let these private lenders use the name of the school. This may not be in your best deal.The school may get some kind of your choice. Make sure to understand all the subtleties of a particular loan prior to accepting it.

Double-check your application for financial aid to ensure that it is free of errors. A mistake may result in you getting less money than you had hoped for. Ask for help from an adviser if you need it.

TIP! Be sure to fill out your applications for financial aid accurately. This is key, as it can determine how much loan money you can receive.

Now that you’ve read the advice above, obtaining student loans should be easier for you. Use all the great ideas from this article when you start filling out student loan applications. Don’t be discouraged by the outrageous education costs.

Get a meal plan at school to make the most of your student loans. This means that you won’t get gouged for extras in the dining hall line, instead just paying one flat fee for each meal that you eat.

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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