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 20, 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

Student Loan Tips For The College Student

Verify the length of the grace specified in the loan. This is the amount of time you have before the lender will ask that your payments need to start. Having this information will help you avoid late payments and penalties.

A college education can help you want.Read on so you can get in school!

Don’t overlook private financing for your college years. There are lots of student loans available, and there is also a lot of demand and a lot of competition. Private student loans reside in a different category. Often, some of the money is never claimed because students don’t know about it. Research community resources for private loans that can help you pay for books and other college necessities.

TIP! Attend to your private college financing in a timely manner. While you can easily find public ones, they have a lot of competition since they’re in demand.

Know what kind of grace period is in effect before you must begin to make payments on the loan. This generally means the period of time after you graduate where the payments will become due. Knowing this allows you to make sure your payments are made on time so you don’t have a bunch of penalties to take care of.

Never do anything irrational when it becomes difficult to pay back the loan. Unemployment or health emergencies will inevitably happen. Lenders provide ways to deal with these situations. Still, remember that your interest will have to be paid back, so try and pay what you can, when you can.

TIP! Don’t let setbacks throw you into a tizzy. Many people have issues crop up unexpectedly, such as losing a job or a health problem.

Don’t get too stressed out if you have trouble when paying back your loans. Job loss and health crises are part of life. There are options like forbearance and deferments available for most loans. Just remember that interest will continue to build in many of these options, so making interest-only payments will at least keep your balance from rising higher.

You should try to pay off the largest loans first. A lower principal means you will pay less interest on it. Make a concerted effort to pay off all large loans more quickly. Once a big loan is paid off, simply transfer those payments to the next largest ones. When you make an effort to pay off your largest loans with the largest payments possible and pay the minimum on smaller loans, you’ll find that it is much easier to eliminate your debt.

Interest Rate

To make your student loan money stretch even farther, consider taking more credit hours. Full-time status is usually 9-12 hours per semester, so getting between 15 and 18 can help you graduate sooner. This will assist you minimizing your loan amounts.

TIP! Get the maximum bang for the buck on your student loans by taking as many credits each semester as you can. Though full-time student status requires 9-12 hours only, if you are able to take 15 or more, you will be able to finish your program faster.

Pay your student loans using two steps. 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, 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 your liability over the long term.

Some people apply for loans and sign the papers without understanding the terms. It is essential that you question anything you do not clearly understand. You do not want to spend more money on interest and other fees than you need to.

Stafford loans provide a six months. Other loans may vary. Know when you are to begin paying on time.

The Perkins Loan and the Stafford Loan are both well known in college circles. They are the safest and are also affordable. These are great options because the government handles your interest while you are in school. A typical interest rate on Perkins loans is 5 percent. Subsidized Stafford loans have an interest rate cap of 6.8%.

TIP! The Stafford and Perkins loans are the best options in federal loans. They are cheap and safe.

Choose the payment option that fit your needs. Many student loans offer payment over a 10 year repayment plan. There are other ways to go if this doesn’t work. For example, you could extend the amount of time you have to pay, but this will increase your interest. You may also do income-based payments after you are bringing in money. Some student loans are forgiven after twenty five years have gone by.

Be aware that you may need a co-signer for a private loan if your credit isn’t good. You must then make sure to make every single payment. If you don’t your co-signer will be responsible for it.

TIP! If your credit isn’t the best, and you want to apply for private student loans, then you will probably need a co-signer. Once you have the loan, it’s vital that you make all your payments on time.

Get the maximum bang for the buck on your student loans by taking as many credit hours each semester as you can. Full-time status is usually 9-12 hours per semester, take a few more to finish school sooner. This will assist you have to borrow.

PLUS loans are a type of loan that is available only to parents and graduate students. The interest isn’t more than 8.5%. These loans give you a better bang for your buck. It might be the best option for you.

TIP! If you are in graduate school, a PLUS loan may be an option. Their interest rate doesn’t exceed 8.

Many people apply for their student loans without really understanding what they are getting into. This is one way that lenders use to get more money than they are entitled to.

Use caution if you are considering getting a private student loan. Discovering the exact terms and fine print is sometimes challenging. Oftentimes, you aren’t aware of the terms until after you have signed the papers. If you sign a contract without understanding the terms, you could be setting yourself up for heartache. Try to get every bit of information you can obtain. If you like an offer, see if other lenders will give you an even better one.

TIP! When applying for private student loans, you need to be cautious. The terms of such loans can be difficult to ascertain.

Stafford and Perkins loans are two of the best federal student loan options. These are very affordable and safety. This is a good deal because while you may want to consider.The interest for a Perkins loan is 5 percent. The Stafford loans are subsidized come at a fixed rate which is not exceed 6.8%.

When completing the application for financial aid, be sure to avoid making any errors. Errors on your application can alter the amount you are loaned. If you are confused about the form, consult with a counselor at your high school.

TIP! When you are completing your application for financial aid, be sure that there are no mistakes. This is important because it may affect the amount of the student loan you are offered.

PLUS loans are something that are available to graduate students. The highest the interest rate will never exceed 8.5% Although this rate is higher than that of the Perkins and Stafford loans, you still get a much better rate than one that is private. This makes it a great choice for students further along in their education.

Make sure you fully grasp all repayment options. If you think your income initially will not support your bills, think about enrolling in graduated payments. This plan offers lower payments amounts at the beginning of the loan. Over time, your payment amount will increase.

TIP! Be aware of all your repayment options. If you’re thinking it will be hard for you to make payments after you get out of school, you may want to sign up to get graduated payments.

Remember your school may have some motivation for recommending you borrow money from particular lenders. Some schools allow private lenders to use the school’s name. This is frequently not be in your best interest. The school might get some kind of a payment or reward if a student signs with certain lenders. Make sure you grasp the nuances of any loan prior to accepting it.

Always make sure you’re in the know about the payback terms. Some loans have a grace period, or can be granted a forbearance and other options for different circumstances. Know what your terms set out. Realize your options before signing on the dotted line.

TIP! Know how much you will have to pay back and when you will have to pay it back. Some loans offer grace periods, forbearance options and other financial choices that depend on your circumstances.

As stated above, a higher education is difficult for some to obtain due to the costs. There is no need for you to be concerned about how to pay for school, now that you are aware of student loans and how they can assist you in obtaining the education you desire. Take this advice to heart, and use it when you apply for a student loan.

If you think that you can’t make a payment, talk to your lender right away. Financial institutions are more prone to make arrangements for you to stay current on your account if you communicate with them. It is possible that you qualify for lower or deferred payments.

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Atlanta, Ga. 30309
learn@beautyugly.com

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