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: Helpful Hints To Help You Become A Master

If you have any student loans, it’s important to pay attention to what the pay back grace period is. This usually means the period of time after graduation where the payments are now due. Knowing this allows you to make sure your payments are made on time so you can avoid penalties.

TIP! Watch for the grace period which is available to you before you are required to repay the loan. This is generally the period after graduation when the payments are due.

Student loans are important of the college process. Learning all you can about student debt is the key to ensuring that it does not end up overwhelming you can complete your college education. Continue on and learn about student loans.

Be sure you understand the fine print of your student loans. You need to stay on top of your balances, your lenders and the repayment status in which you find yourself at any given time. These facts will determine your loan repayment and forgiveness options. You need this information to budget yourself appropriately.

TIP! Always know the pertinent details of your loans. You need to be able to track your balance, know who you owe, and what your repayment status is.

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

Stay in contact with all lenders. Make sure your records are updated, such as your phone number and address. It is also important to open and thoroughly read any correspondence you receive from your lender, whether it is through traditional or electronic mail. You need to act immediately if a payment is needed or other information is required. Missing an important piece of mail can end up costing a great deal of money.

TIP! Keep in contact with the lender. Keep them updated on any change of personal information.

Don’t panic if you have a slight hiccup when you’re repaying your loans. Job losses and health crises are part of life. There are options like forbearance and deferments available for most loans. Just remember that interest keeps accruing in many forms, so try to at least make an interest only payment to get things under control.

Pay your loan off in two steps. Start by making the minimum payments of each loan. Pay extra on the loan with the highest interest rate. That will save you money.

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

If you want to pay down student loans faster than scheduled, start with the highest interest rate loans first. If you focus on balances instead, you might neglect how much interest you accrue over time, still costing you money.

Payment Plan

Choose your payment option wisely. Many loans offer a decade-long payment term. If this is not ideal for you, look into other possibilities. You might get more time with higher interest rates. You may have to pay a certain part of your income after you get some work. Some balances pertaining to student loans get forgiven about 25 years later.

TIP! Get a payment option that works for you. In the majority of cases, student loans offer a 10 year repayment term.

Select a payment plan that works well for your particular situation. Many of these loans allow for a 10 year payment plan. There are other choices available if you need a different solution. You might be able to extend the plan with higher interest rates. You also have the option of paying a set percentage of your future earnings. Some balances pertaining to student loans are forgiven in 25 years later.

To maximize the value of your loans, make sure to take the most credits possible. While 9 to 12 hours each semester is full time, you may be able to get 15 to 18 which can help you to graduate faster. This will keep your loans to a minimum.

TIP! 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.

Select the payment choice that works best for your situation. Many student loans will offer a ten year length of time for repayment. There are other ways to go if this doesn’t work. For example, you might secure a longer repayment term, however you will probably have a higher interest rate. You may negotiate to pay a set percentage of the money you begin to earn. Some loans’ balances are forgiven after 25 years.

Fill out each application completely and accurately for faster processing. This will give the loan provider accurate information to leverage off of.

TIP! If you wish to get your student loan papers read quickly, be sure that your application is filled out without errors. If you make a mistake, it will take longer to go through.

Pay off your loans in order of their individual interest rates. The highest rate loan should be dealt with first. Using your extra cash can help you get these loans more rapidly is a smart choice. There will be no penalties for paying off a loan more quickly than warranted by the lender.

One form of loan that may be helpful to grad students is the PLUS loan. The interest rate on these loans will never exceed 8.5% While it may be more than other loans, it is cheaper than you will get through a private lender. This means that this is a suitable choice for students who are a bit older and better established.

TIP! PLUS student loans are offered to parents and graduate students. The interest rate on these loans will never exceed 8.

The prospect of having to pay a student loan payments can be somewhat daunting for people that are on an already tight budget. You can minimize the damage a little with loan rewards programs. Look at programs like SmarterBucks and LoanLink to learn about this kind of program offered by Upromise.

Your school might have motivations of its own when it comes to recommending certain lenders. Some let these private lenders use their name. This can be very misleading. The school could benefit if you go with particular lenders. Know what is going on before you sign.

TIP! Keep in mind that a college may have its reasons for pointing your toward certain lenders for loans. Many institutions allow selected private lenders to use the school name in their promotions.

Get the maximum bang for the buck on your student loans by taking as many credit hours each semester as you can. Full-time is considered 9 to 12 hours per semester, so getting between 15 and 18 can help you graduate sooner.This will help lower your loan amount.

Avoid relying totally on student loans when it comes to paying for your education. Remember to save money and also look into scholarships and grants that may help you. Do a quick Google search to find websites that can match you up with scholarships that are available for your specific situation. You should begin your search early as funds go quickly.

TIP! Don’t think that student loans should be depended on totally. 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.

Be sure to fill your student loan applications neatly and properly to avoid any delays in processing. Incorrect or incomplete loan information gums up the works and causes delays to your education.

Double check all applications for errors. If you do not fill it out correctly, you may not get as much money from the school. If you have any questions about filling out the application, talk to experts on financial aid from your college.

TIP! When you’re trying to fill out a financial aid application, be sure that you’re not making any errors on it. This will impact the types of student loans that are offered to you.

It is impossible to ignore the fact that student loan debt has the potential to cripple young graduates financially if it is not incurred in a deliberate, careful manner. The most effective way of protecting yourself from overwhelming debt after graduation is to educate yourself about the subject before seeking a loan. This article can be very beneficial for you.

Get a meal plan on campus; this will save you money in the long run. This means you’re not going to have to pay a lot for the food you eat if you’re not able to get food that day from the school.

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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