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: August 25, 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 Loans: What Every Student Should Know

Find out when you must begin repayments. This is the period of time after your graduation before your payment is due. You can get a head start in making timely payments by knowing what your grace period is.

TIP! Make sure you stay on top of applicable repayment grace periods. The grace period is the amount of time between your graduation date and date on which you must make your first loan payment.

Many people want a high-quality education but think they could possible afford it. While a college education costs thousands of dollars, student loans can put the dream within reach. The article below will help you navigate the loan process.

Speak with your lender often. Make sure they always know your address, phone number and email, all of which can change often during your college experience. Do not put off reading mail that arrives from the lender, either. Do whatever you need to as soon as you can. Missing anything could make you owe a lot more money.

TIP! Stay in touch with your lending institution. Let them know if your number, email or address changes, all of which occur frequently during college years.

Know how long of grace period is in effect before you must begin to make payments on the loan. This is generally the period of time after graduation where the payments are due. Knowing this is over will allow you to make sure your payments on time so you can avoid penalties.

Don’t be scared if something happens that causes you to miss payments on your student loans. Usually, many lenders let you postpone payments if you are able to prove hardship. If you take this option, you may see your interest rate rise, though.

TIP! Don’t be scared if something happens that causes you to miss payments on your student loans. A lot of the time a lender will allow a payment to be postponed if you show them you’re having a hard time.

Always keep in contact with all of your lenders. Make sure they know if your current address and phone number. You need to act right away if information is required. Missing an important piece of mail can cost you valuable money.

Know how much time your grace period is between graduating and when you need to start paying back loans. Stafford loans have a grace period of six months. Perkins loans give you nine months. Other types of student loans can vary. Know when you are to begin paying on your loan.

TIP! When you graduate, know how much time you have before you have to start making payments on your loans. For example, you must begin paying on a Stafford loan six months after you graduate.

Don’t fret when extenuating circumstances prevent you can’t pay a payment. Most lenders have options for letting you if you lose your current hardship. Just keep in mind that doing this might cause the lender to raise the interest rates to rise.

Pick the payment option that works best for you. The majority of student loans have ten year periods for loan repayment. If that isn’t feasible, there could be alternatives. For instance, you could be given more time but have to pay more interest. You can put some money towards that debt every month. Sometimes, they are written off after many years.

TIP! Select the payment arrangement that is best for you. The ten year repayment plan for student loans is most common.

Don’t discount using private loans for college. There is not as much competition for this as public student loans even if they are widely available. Explore the options within your community.

Look to pay off loans based on their scheduled interest rate. Pay off the loan with the largest interest rate first. This extra cash can boost the time it takes to repay your loans. Prepayment of this type will never be penalized.

TIP! When the time comes to repay student loans, pay them off based on their interest rate. The loan with the largest interest rate should be your first priority.

Use a two-step process to pay off your student loans paid off. Always pay on each of them at least the minimum balance due. Second, make extra payments on the loan whose interest rate is highest, and not just the largest balance. This will lower how much money you spend over a period of time.

Pay off larger loans as soon as possible. When you owe less principal, it means that your interest amount owed will be less, too. Stay focused on paying the bigger loans first. After you’ve paid off a large loan, you can transfer your payments to the second largest one. By keeping all current and paying the largest down totally first, you will more quickly rid yourself of debt.

Stafford loans provide a six months of grace period. Other kinds of loans can vary. Know when you are to begin paying on time.

Some people sign the paperwork for a student loan without clearly understanding everything involved. It’s essential that you inquire about anything that you don’t understand. It is simple to receive more cash than they were meant to.

Student Loans

The simplest loans to obtain are the Stafford and Perkins. Many students decide to go with one or both of them. With these, the interest is covered by the federal government until you graduate. The Perkins loan has an interest rate of 5%. The Stafford loans are a bit higher but, no greater than 7%.

TIP! Stafford and Perkins loans are two of the best that you can get. These are very affordable and are safe to get.

Select a payment plan that is best for your particular situation. Many student loans offer 10-year payment term. There are often other options if you can’t do this. You might be able to extend the plan with higher interest rates. You might be eligible to pay a certain percentage of your income when you get some work. There are some student loans that can be forgiven after a period of twenty five years passes.

Don’t rush into taking a private student loan. Many times, it is difficult to ascertain exactly what the terms are. You may not know exactly what you’re signing until later. You may not be able to get out of the loan then. Fully understand the terms before signing on the dotted line. Compare offers and see if banks are willing to compete with each other for your loan.

TIP! When it comes to private student loans, exercise extreme care. These have many terms that are subject to change.

Choose the right payment option that is best suited to your needs. Many student loans offer a 10 year payment plan. There are other options if this is not right for you.For instance, you could extend the amount of time you have to pay, however you will probably have a higher interest rate. You may also do income-based payments after you are bringing in money. Some student loan balances for students are let go when twenty five years have gone by.

Never depend solely on student loans for paying for college. 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. There are several great websites that offer information about available grants and scholarships. To prepare yourself, start this search as quickly as you can.

TIP! Don’t finance your whole college education by using student loans. Look into getting a scholarship or grant and explore other ways you can save money.

The prospect of having to pay a student loan every month can be hard for someone on an already tight budget. A good loan rewards program may help things. Look at websites such as SmarterBucks and LoanLink via Upromise.

When you’re trying to fill out a financial aid application, be sure that you’re not making any errors on it. Bad calculations will affect the amount you can take out on a loan. If you have any questions about filling out the application, talk to experts on financial aid from your college.

TIP! When filling out the student loan paperwork, it is very important that you check it for accuracy. If you do not fill it out correctly, you may not get as much money from the school.

As you can see from the article above, due to the very high costs of attending school, it is vital that any prospective student understand student loans. Financing your education is easy when you have the necessary knowledge. Be sure to use these tips when dealing with financial aid.

Stay connected to lenders or people that supply you money. You must know all that you can about your loan, and this includes all requirements, possible penalties, etc. Your lender will prove to be invaluable should you need more information.

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Atlanta, Ga. 30309
learn@beautyugly.com

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