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 21, 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 Will Be A Snap – Here’s How

If you have any student loans, it’s important to pay attention to what the pay back grace period is. This is typically a six to nine month period after your graduation before repayments start. Knowing this can help you avoid hefty penalties by paying on time.

TIP! Verify the length of your grace period before repayment of your loan is due. This usually refers to the amount of time you are allowed after you graduate before repayments is required.

Many people are scared or overwhelmed when it comes to student loans. This usually occurs because they do not really familiar with the process. This should not be a concern of yours since there is plenty of helpful student loans.

Remain calm if you discover that can’t make your payments due to an unforeseen circumstance. Typically, most lenders will allow you to postpone your payments if you can prove you are having hardships. Your interest may increase if you do this.

TIP! Don’t worry about not being able to make a payment on your student loans if something unexpected like job loss has happened. Typically, most lenders will allow you to postpone your payments if you can prove you are having hardships.

Always keep in contact with your lender. Make sure you let them know if your current address and phone number. Take whatever actions needed as soon as you can. Missing an important piece of mail can cost you valuable money.

To make paying for college easier, don’t forget to look at private funding. Because public loans are so widely available, there’s 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. Find out whether there are any agencies in your area that have loans that can cover the cost of school books or other small needs that you must have covered.

TIP! Don’t overlook private financing for your college years. There is not as much competition for this as public loans.

Don’t be scared if you to miss payments on your student loans. Most lenders have options for letting you if you are able to document your current hardship. Just know that the interest rates.

Utilize a methodical process to repay loans. First, ensure you meet the minimum monthly payments on each separate loan. Pay extra on the loan with the highest interest rate. This will cut back on the amount of total interest you wind up paying.

TIP! Use a process that’s two steps to get your student loans paid off. Try to pay off the monthly payments for your loan.

Don’t be driven to fear when you aren’t able to make a slight hiccup when paying back your loans. Unemployment or health emergencies can happen at any time. Do be aware of your deferment and forbearance available in most loans. Just be mindful that interest continues to accrue in many options, so try to at least make payments on the interest to keep the balances from increasing.

Make certain that the payment plan will work well for you. A lot of student loans give you ten years to repay. If you don’t think that is right for you, look into other options. If it takes longer to pay, you will face a higher interest charge. Think about what you “should” be making in the future and carefully go over everything with a trusted adviser. Some student loans are forgiven once twenty five years have gone by.

TIP! Select the payment choice that is best for you. The average time span for repayment is approximately one decade.

Focus initially on the high interest rates. If you base your payment on which loans are the lowest or highest, you could end up paying more than you need to.

Making monthly payments is often difficult for those whose budget is tight. Rewards programs can help. For example, check out the LoanLink and SmarterBucks programs from Upromise. These are like programs that offer cash back, but the rewards are used to pay your loans.

TIP! Making monthly payments is often difficult for those whose budget is tight. There are frequently reward programs that may benefit you.

Select a payment arrangement that works for you. Many of these loans come with a ten year repayment period. There are other options if you need a different solution. You might get more time with higher interest rate. You might even only have to pay a percentage of your income once you finally do start making money. Some student loans offer loan forgiveness after a period of 25 years have passed.

If you wish to get your student loan papers read quickly, be sure that your application is filled out without errors. Incorrect and incomplete information gums up the works and causes delays to your education.

TIP! Fill out each application completely and accurately for faster processing. Giving incomplete or incorrect information can delay its processing.

Prioritize your loan repayment schedule by interest rate of each one. The one carrying the highest rate loan should be dealt with first. Using additional money to pay these loans faster. There are no penalty because you have paid them off a loan more quickly than warranted by the lender.

The Perkins and Stafford loans are the most helpful federal loans. They are the safest and least costly loans. They are a great deal, because the government covers your interest while you are still in school. The interest for a Perkins loan holds at five percent. The Stafford loans are a bit higher but, no greater than 7%.

Many people apply for their student loans without really understanding what they are getting into. This is one way for a lender to get more money than they should.

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. Make every payment on time. Otherwise, the other party must do so in order to maintain their good credit.

TIP! If you apply for a private student loan and your credit is not that great, you are going to need someone to co-sign for you. Once you have the loan, it’s vital that you make all your payments on time.

Stafford and Perkins are the most advantageous federal loans to get. These are highest in affordability and are safe to get. This is a good deal because while you may want to consider.The Perkins Loan has a small five percent rate. The Stafford loans are subsidized and offer a rate of 6.8 percent.

PLUS loans are student loans that are available to graduate students and to parents. They have a maximum interest rate of 8.5 percent. These loans give you a better bang for your buck. Therefore, it should be something to consider.

TIP! PLUS loans are student loans that are available to graduate students and to parents. They have a maximum interest rate of 8.

If your credit is sub-par, you’ll most likely need to use a co-signer. It is vital you keep current on your payments. If you get yourself into trouble, then whoever co-signed your debt will be held liable.

When applying for private student loans, you need to be cautious. It can be hard to find out the exact terms. Frequently, you are not aware of them until after executing the loan. If there are terms you find unfavorable at this point, then it can be really hard to back out of the deal. Learn about the loan up front. Check with different lenders to make sure you are getting the best offer.

TIP! Be wary of private student loans. Finding exact terms is difficult.

Your school might have motivations of its own when it comes to recommending you pursue your loan through particular lenders. Some lenders to use the school name. This is frequently not be in your best interest. The school might get money if you choose a commission for your loan. Make sure to understand all the subtleties of a particular loan prior to accepting it.

Do not make errors on your aid application. If you do not fill it out correctly, you may not get as much money from the school. If you are confused about the form, consult with a counselor at your high school.

TIP! When completing the application for financial aid, be sure to avoid making any errors. This is key, as it can determine how much loan money you can receive.

Take great care with private loans. It isn’t easy to know what the terms are exactly. You may not even know exactly what you’re signing until later. Get all the information as you need first.

Always know your repayment options. Look into getting graduated payments if you are having financial troubles. Thus, your payments early on will be smaller, and then gradually grow after you begin earning more.

TIP! Understand the options available to you for repayment. If you anticipate financial constraints immediately following graduation, think about a loan with graduated payments.

Avoid depending on student loans when it comes to paying for your education. Save money wherever possible and do not forget to apply for scholarships. There are a lot of great websites that offer information about available grants and scholarships for yourself. Make sure to start looking as early as possible so you can have everything in order well before it is time to pay for school.

If you think you will be unable to make a payment, contact your lender as soon as possible. As long as the lender sees that you are making an effort up front, they will typically be much more interested in helping your credit to remain in good standing. There is a chance you will qualify for deferral or reduced payment amounts.

TIP! If you’re not going to be able to make your payment, you should get a hold of the lender you’re using as soon as you can. As long as the lender sees that you are making an effort up front, they will typically be much more interested in helping your credit to remain in good standing.

Understand the options you have in repaying your loan. If you think your income initially will not support your bills, consider signing up for graduated payments. This way your starting payments aren’t huge and gradually increase over time when you hopefully are earning more money.

Communicate with all of your lenders both during college and after you graduate. Make sure they are updated in regard to your contact info. This will make sure that you know when changes are made. In addition, make sure the lender knows when you graduate or leave school.

TIP! Keep in contact with lenders while you are in school and afterwards. Notify them of any personal information that will change.

Try finding a job at your college to help augment income you receive from student loans. This will assist your expenses somewhat and reduce the amount of money you some spending money.

Rack up as many AP and dual credit classes that you can during your high school time to cut down on how much you need to borrow for college. This will mean you spend a lot less per class.

Student Loans

Find a way to pay off your loans quickly. Paying on time helps your credit rating while reducing the amount of interest you must pay. If you have a problem making multiple loan payments each month, you might consider consolidation options.

TIP! Look at all choices for paying off your student loans on time. Making payments on time each month is essential to keeping your credit in good standing, and for making sure you don’t suffer any negative consequences, such as wage garnishment.

Student loans should not be something that causes you undue anxiety. With the tips you’ve just read, you will be able to successfully tackle the topic of student loans. Use these tips to get the loans you need.

Take some classes on campus and some on the Internet to make the most use of your time. This way, you can rack up more college credits. This lets you put in the most hours you can each semester.

September 28, 2020
A learning platform providing free or fee-based curriculum for personal or professional development through Coaching.

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Atlanta, Ga. 30309
learn@beautyugly.com

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