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

Student Loans: Easy, Quick Answers To Help You Learn All You Can

Learn about your loan’s grace period. This is the amount of time you have before the lender will ask that your payments need to start. This will help you plan in advance.

TIP! Be mindful of any grace period you have prior to having to repay your loan. This is the amount of time you have before the lender will ask that your payments need to start.

You may begin getting loan offers before you’ve even ready to attend a university. It may seem like a blessing to be offered such an abundance of help towards achieving your college goals.

Make sure you are in regular contact with the lender. Keep them updated on any change of personal information. In addition, when you get mail from your lender, be sure to read everything. You need to act immediately if a payment is needed or other information is required. You can end up spending more money than necessary if you miss anything.

TIP! Stay in touch with the lender. Update them anytime you change your email, name, address, or phone number, which is common in college.

Know how long of a grace period built into having to pay back any loan. This is the amount of time after your graduation before your payment is due. Knowing when 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.

Remain calm if you discover that can’t make your payments due to an unforeseen circumstance. When hardship hits, many lenders will take this into consideration and give you some leeway. Just be aware that doing so may cause interest rates to rise.

TIP! Don’t fret when extenuating circumstances prevent you from making a payment. Many lenders will let you postpone payments if you have financial issues.

Stay in communication with your lending institution. Make sure you update them with your current address and phone number. Take any requested actions needed as soon as you can. You may end up spending more money than necessary if you miss anything.

To make paying for college easier, don’t forget to look at private funding. Though federal loans are common, competition in the market does exist. These private loans are not tapped into as much, which means they contain smaller increments of money due to lack of awareness and size. Explore the options in your community.

TIP! Keep in mind that private financing is an option to help pay for school. Though federal loans are common, competition in the market does exist.

Don’t panic if you from making a payment on your student loan due to a job loss or another unfortunate circumstance. Most lenders have options for letting you if you lose your job. Just be aware that doing so may raise interest rates.

Never panic when you hit a bump in the road when repaying loans. Many people have issues crop up unexpectedly, such as losing a job or a health problem. 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 get too stressed out if you have trouble when you’re repaying your loans. Health emergencies and unemployment are likely to happen sooner or later.

Don’t panic if you have a snag in your loan repayments. Unemployment and health emergencies will inevitably happen. There are forbearance and deferments for most loans. Just know that the interest will build up in some options, so try to at least make payments on the interest to prevent your balance from growing.

Paying down your student loans should be done using a two-step payoff method. 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 cut down on your liability over the long term.

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

Your loans are not due to be paid back until your schooling is complete. Make sure that you find out the repayment grace period you are offered from the lender. For Stafford loans, the period is six months. Perkins loans have a nine-month grace period. There are other loans with different periods. Be sure you know exactly when you will be expected to begin paying, and don’t be late!

TIP! You are offered a grace period after you graduate before you must start paying on your student loans. Stafford loans typically give you six months.

Choose the payment option that you will be able to pay off. Many loans offer a ten year repayment period. There are many other choices as well. You might be able to extend the plan with a greater interest rates. You may have to pay a percentage of your income once you get some work. Some balances on student loans get forgiven after a period of 25 years later.

Pick out a payment option that you know will suit the needs you have. The average time span for repayment is approximately one decade. It is possible to make other payment arrangements. If you take a loan at a higher interest rate, for example, you can extend your time to pay. You might also be able to pay a percentage of your income once you begin making money. After 20 years or so, some balances are forgiven.

TIP! Pick a payment plan that works best for you. 10 years is the default repayment time period.

Select the payment option that works best for your situation. Many student loans will offer a ten year repayment plan. 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 could also use a portion of your income to pay once you are bringing in money. Some student loan balances for students are forgiven after twenty five years have gone by.

When you’re trying to pay off a student loan, be sure you pay them in order of interest rates. You should pay off the loan that has the highest interest first. Using additional money to pay these loans more rapidly is a smart choice. You will not be penalized for speeding up your repayment.

TIP! When paying off your student loans, try paying them off in order of their interest rates. The highest rate loan should be paid first.

Stafford and Perkins loans are the best that you can get. These are very affordable and most affordable. This is a good deal that you may want to consider. The Perkins loan interest rate of five percent. The Stafford loan only has a rate that does not exceed 6.8%.

Too often, people will accept student loans without contemplating the legal implications. It’s essential that you inquire about anything that you don’t understand. If you do not do this, you may end up paying more than you should for your education.

TIP! A lot of people apply for a student loan and sign things without having knowledge of what they’re doing. Ask questions so that you are completely aware.

If you need for a student loan and do not have good credit, you might need a co-signer for private student loans. It is very important that you keep current with all your payments. If you default, your co-signer will also be liable.

One form of loan that may be helpful to grad students is the PLUS loan. They bear an interest rate of no more than 8.5%. It’s higher than public loans, but lower than most private options. That is why it’s a good choice for more established and prepared students.

TIP! A PLUS loan is specifically oriented to address the needs of graduate students and/or parents. They cap their interest rate at 8.

College is something that takes a lot of decision making, and there are some steps that cannot be missed. The decision to borrow money can be a perilous one if it’s entered into lightly. Don’t neglect the information in this article; use it to help yourself make smart decisions.

Forget about defaulting on student loans as a way to escape the problem. The government can get back this money if they want it. For instance, it can claim portions of Social Security or tax return payments. They can also tap into your disposable income. You could end up worse off in some circumstances.

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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