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: September 16, 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

Student Loan Tips And Tricks You Should Know

Learn about your loan’s grace period. In order words, find out about when payments are due once you have graduated. Staying aware of when this period ends is the right way to make sure you never have late payments.

TIP! If you have any student loans, it’s important to pay attention to what the pay back grace period is. The grace period is the period between when you graduate and when you have to start paying back your loans.

It can be expensive to get a college because the costs are high. A high-quality school or even just a mediocre one can cost you quite a bit. How do you get the money for tuition when you are broke? This is the place where you might consider a student loan. Below you will see many good tips concerning student loans.

Always figure out what the details of the loans you have out are. You must watch your balance, keep track of the lender, and monitor your repayment progress. These facts will determine your loan repayment and forgiveness options. This also helps when knowing how prepare yourself when it comes time to pay the money back.

TIP! Know all the little details of your student loans. You must watch your loan balances, check your repayment statuses, and know your lenders.

Be sure you know all details of your student loans. You must watch your loan balances, know who you owe, and know your lenders. These three things will affect your repayment plans and forgiveness options. This will allow you are to budget effectively.

Implement a two-step system to repay the student loans. First, make sure that you meet the minimum monthly payments of each individual loan. Next, pay as much as you can into the balance on the loan which has the greatest interest rate. This will minimize the amount of money you spend over time.

TIP! Pay off all your student loans using two steps. First, make sure that you meet the minimum monthly payments of each individual loan.

Make sure you stay in close contact with the lender. Make sure you let them know if your current address and phone number. Take any and all actions as soon as you can. You may end up spending more money than necessary if you miss anything.

If you want to get any student loan paid ahead of time, it’s a good idea to pay off the ones with more interest. If you think you will be better off paying the one with the highest monthly payments first, you may be wrong. Best to look at the interest rates.

Don’t overlook private loans for your college years. There is quite a demand for this as public loans. Explore any options in your community.

Choose payment options that best serve you. Many loans offer a ten year payment plan. If this doesn’t work for you, you might have another option. For example, you may be able to take longer to pay; however, your interest will be higher. You may also use a portion of your income to pay once you are bringing in money. On occasion, some lenders will forgive loans that have gone unpaid for decades.

Extra Payments

When repaying student loan obligations, prioritize them by interest rate. You should always focus on the higher interest rates first. You will get all of your loans paid off faster when putting extra money into them. There is no penalty for paying off your loans early.

TIP! When you’re trying to pay off a student loan, be sure you pay them in order of interest rates. Pay off the highest interest rate loan first.

Pay your student loans using two steps. 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 cut back on the amount of money you spend over time.

Take more credit hours to make the most of your loans. Full time is 9-12 hours, but you can go as high as 8. This helps reduce the total of loans.

TIP! Get many credit hours each semester. Full time is 9-12 hours, but you can go as high as 8.

Focus on paying off student loans with high interest loans. If you base your payment on which loans are the lowest or highest, it can cost you extra in the end.

Some people apply for loans and sign the papers without understanding the terms. It is important that you ask questions to clarify anything that is not really clear to you. Lenders sometimes prey on borrowers who don’t know what they are doing.

TIP! Far too often people will rush into signing the student loan paperwork without carefully analyzing the terms and conditions of the loan. Always ask any questions that come up or if you need anything clarified.

Select the payment choice that works best for you. Many student loans offer a ten year length of time for repayment. There are other options if this is not right for you.For instance, you may be able to take longer to pay; however, but that comes with higher interest. You might also be able to pay just a percentage of your income once you begin making money. The balances on student loans usually are forgiven after 25 years have elapsed.

Fill out each application completely and accurately for faster processing. Giving incomplete or incorrect information can delay its processing.

Interest Rate

If you need for a student loan and do not have good credit, you may need a cosigner. You must be current on your payments. If you can’t pay, your co-signer will also be liable.

TIP! If you apply for a private student loan and your credit is not that great, you are going to need someone to co-sign for you. It’s a good idea to stay up to date with the payments you make.

Prioritize your loan repayment of student loans by interest rate of each one. The loan with the most interest rate should be your first priority. 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.

If you are in graduate school, a PLUS loan may be an option. The PLUS loans have an interest rate below 8.5%. This is a higher rate than Stafford or Perkins loans, however it’s better than most private loans. This may be a suitable option for your situation.

TIP! One type of student loan that is available to parents and graduate students is the PLUS loans. They cap their interest rate at 8.

Reduce your total principle by paying off as quickly as possible. Focus on the largest loans up front. When you pay off a big loan, just start paying on the next ones you owe. 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.

Don’t think that you won’t have to pay your debt back. The federal government will go after that money in many ways. The federal government can take your Social Security payments or take your tax refunds if money is owed. They can also take a chunk of the disposable income you have. You could end up worse off that you were before in some cases.

Many people apply for student loans and sign paperwork without really understanding what they are signing. This is one way for you to get more than they should.

Be sure to fill out your applications for financial aid accurately. This will determine how much money you get. If you are unsure, try talking with a financial aid specialist to help.

TIP! When applying for loans, be sure you provide accurate information. It can really affect what you’ll be offered if you file in error.

Stafford and Perkins are two of the best that you can get. These are the most affordable and most affordable. This is a great deal that you are in school your interest will be paid by the government. The Perkins loan interest rate of 5%. The subsidized Stafford loan only has an interest rate of 6.8 percent.

Make an effort to ask your lender questions and contact them any time you need to. It is essential to know the complete information about your loan and any stipulations involved in your repayment schedule. Your lender may also be able to provide you with valuable tips for repayment.

TIP! Stay in touch with the lender. This is key, because you will need to stay aware of all loan terms and details of repayment.

After going through the advice here, you shouldn’t have too hard of a time dealing with student loans. You should now have the confidence needed to start pursuing your education. Use the suggestions wisely as you fill out all the necessary paperwork for your students loans.

Explore the different ways you can repay your loans. Look into getting graduated payments if you are having financial troubles. Your starting payments are small and will increase as your salary and security increases.

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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