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: May 28, 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: What Every Student Should Know

Don’t worry about not being able to make a payment on your student loans if something unexpected like job loss has happened. When hardship hits, many lenders will take this into consideration and give you some leeway. Make sure you realize that going this route may result in increased interest.

TIP! You don’t need to worry if you cannot pay for your student loans because you are unemployed. Lenders will typically provide payment postponements.

Student loans are extremely important today. With the cost of attending college going up each year, hardly anyone seems to have the ability to pay out of pocket for tuition and other expenses. Luckily, if you have good information about applying for student loans, you don’t have much to fear.

Consider private funding for your college education. While public loans for students are available widely, there is a lot of competition and demand for them. These private loans are not tapped into as much, which means they contain smaller increments of money due to lack of awareness and size. Investigate around your community for private loans; even a small one can cover room and board for a term or two.

TIP! Do not overlook private sources of funds for college. Student loans through the government are available, but there is a lot of competition.

Stay in contact with the lender. Make sure they know your personal information if it changes. You need to act right away if information is required. Missing an important piece of mail can end up costing a lot more money.

Paying down your student loans should be done using a two-step payoff method. Try to pay off the monthly payments for your loan. The second step is applying any extra money you have to your highest-interest-rate loan and not the one with the biggest balance. This will make it to where you spend less money over a period of time.

TIP! Use a process that’s two steps to get your student loans paid off. Start by making the minimum payments of each loan.

Don’t be driven to fear when you have a slight hiccup when paying back your loans. Unemployment and health problem can happen to you from time to time. There are forbearance and deferments for most loans. Just remember that interest is always growing, so try to at least make payments on the interest to keep the balances from increasing.

If you plan to prepay your loans, try to pay those with the highest interest rates first. Calculating the terms properly will prevent spending more money than is necessary by the end of the loan.

Interest Rate

You are offered a grace period after you graduate before you must start paying on your student loans. For Stafford loans, you should have six months. Others, like the Perkins Loan, allot you nine months. Make sure to contact your loan provider to determine the grace period. It is important to know the time limits to avoid being late.

TIP! Be mindful of the exact length of your grace period between graduation and having to start loan repayments. Stafford loans usually have one half year before the payments have to be made.

There are two steps to paying off student loans. Begin by ensuring you can pay off on each of your 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 keep your total expenditures to a period of time.

Choose a payment plan that you will be able to pay off. You will most likely be given 10 years to pay back a student loan. There are often other choices as well. For example, you may be able to take longer to pay; however, your interest will be higher. The company may be willing to work with a portion of your net income. A lot of student loans will be forgiven after you’ve let twenty five years go by.

TIP! Think about what payment option works for you. Many student loans come with a 10-year plan for repayment.

Select a payment arrangement that works well for you.Many student loans come with a 10-year payment plans. There are many other options if this is not preferable for you. You might get more time with a greater interest rate. You might be eligible to pay a certain percentage of your income after you get some work. Some student loans offer loan forgiveness after a period of 25 years have passed.

Pick out a payment option that you know will suit the needs you have. In most cases, 10 years are provided for repayment of student loans. You can consult other resources if this does not work for you. If it takes longer to pay, you will face a higher interest charge. It may even be possible to pay based on an exact percentage of your total income. After 20 years, some loans are completely forgiven.

TIP! Pick a payment plan that suits your particular needs. Many student loans will offer a 10 year repayment plan.

Reduce your total principal by paying off your largest loans as fast as you can. Focus on the largest loans off first. After you have paid off the largest loan, continue making those same payments on the next loan in line. When you make an effort to pay off your largest loans with the largest payments possible and pay the minimum on smaller loans, you have have a system in paying of your student debt.

Take as many hours each semester as you think you can handle so you don’t waste any money. You may be able to scrape by with 12 hours, but try to at least carry 15 per semester. If possible, go for 18. This helps reduce the total of loans.

Be sure to fill your loan application correctly. Incorrect or incomplete information can result in having to delay your education.

In order to have your student loan paperwork go through as quickly as possible, make sure that you fill out your application accurately. If you make any errors on the paperwork, this can cause a hold up in your getting the loan, which could cause you to be unable to pay for school when the semester starts.

TIP! It is very important that you correctly fill out all student loan documents to ensure the timely process of them. You might find your paperwork in a stack waiting to be processed when the term begins.

Do not think that defaulting will relieve you can just default on student loans to get out of paying them. The Federal government will be able to recover the money in many ways. They can take your income taxes at the end of the year. The government may also take up to fifteen percent of your income. You could end up worse off than before in some circumstances.

If you need for a student loan and do not have good credit, you may need a cosigner. It is vital that you stay current on your payments. If you fail to do so, the co-signer will be responsible for the payments.

TIP! If you do not have excellent credit and you must put in an application to obtain a student loan through private sources, you will require a co-signer. It is critical that you make all your payments in a timely manner.

Be careful with private student loans. It isn’t easy to know what the exact terms are exactly. You may only find out after signing until later. Get as much information as you need first.

Be wary of private student loans. It can prove difficult to find out what the exact terms are. Never sign an agreement without understanding the terms of the contract. It could be hard to get out of them. Get all the pertinent information you can. If a good offer comes your way, ask other loan providers if they can match or beat it.

TIP! When it comes to private student loans, exercise extreme care. It isn’t easy to know what the terms might be.

Avoid relying totally on student loans completely for school.Save money up in advance and look into scholarships you might qualify for. There are websites that will help you to scholarships and grants to fit your needs. Make sure you start the search soon so you can be prepared.

When you are completing your application for financial aid, be sure that there are no mistakes. One mistake could change how much you are offered. Ask someone for help if you are uncertain.

Try finding a job to keep an income you receive from student loans.This can offset your overall finances and reduce the amount of money you some spending money.

Find a job you can do on campus to help augment the income you get from student loans. That way you can offset some of the expenses of your education in ways other than a loan, and you can also end up with some extra pocket money to carry around.

TIP! Look for a job that will bring in some secondary income. By doing so you will not be relying solely on a loan and will also be able to earn some spending money.

Make sure you fully aware of your repayment terms.You should know all your options and exactly what is expected of you. You need to know all of this before signing anything.

Do not go into panic mode when you see how much you owe. The balance looks big, but if you stretch out payments over a long length of time, it won’t look so bad. As long as you stay on track with working so that you have money to pay back the loan, you will be in control when it’s time to pay.

TIP! Do not be overcome with concern if your student loan balance seems insurmountable. It might be a huge number, but you are going to pay it back slowly.

Students loans have become as common for college kids as dorm rooms and sporting events. However,it is wise to get knowledgeable about the process instead of treating it as a right of passage for college. By learning about student loans, you can save yourself heartache later on.

The payback terms are crucial to understand. Some loans give you grace periods or can be put into forbearance, and there are other options depending on your circumstance. You should be clear about your loan details and what your lender expects. Obtain this information prior to signing any documents.

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

Visitor Tracking

top
Copyright 2016-18. I Market Coaching. All rights reserved.