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: You Can Learn More, Start Here

Know all the little details of your student loans. You need to be able to track your balance, know who you owe, and what your repayment status is. These details affect your repayment options. Use this information to create a budget.

TIP! Make sure you understand the fine print related to your student loans. You need to know how much you owe, your repayment status and which institutions are holding your loans.

You might be offered loans before you are even celebrated your high school graduation. You may be happy to have all these offers a blessing if the costs of financial help.

Don’t panic if you can’t make a payment due to job loss or another unfortunate event. Lenders will typically provide payment postponements. Just know that when you do this, interest rates might go up.

TIP! Do not panic if a job loss or other emergency makes paying your student loan difficult. Usually, many lenders let you postpone payments if you are able to prove hardship.

Know how long of grace period is in effect before you must begin to make payments on the loan. This usually means the period after you graduate where the payments will become due. Knowing when this is over will allow you to make sure your payments are made on time so you don’t have a bunch of penalties to take care of.

Do not overlook private sources of funds for college. There is not as much competition for this as public loans. Student loans from private sources are not as popular. They are available in smaller increments and are often unclaimed because people don’t know about them. Speak with people in your local area to find these types of loans, which at the very least can cover some of your expenses.

TIP! Attend to your private college financing in a timely manner. There is quite a demand for public student loans even if they are widely available.

Always know all the information pertinent details of your loans. You need to be mindful of your balance levels, what the terms are and the name of your lending institution. These important items are imperative to understand while paying back the loan. This is must-have information is necessary to plan your budget wisely.

Choose payment options that fit your financial circumstances. The majority of loan products specify a repayment period of ten years. If this isn’t going to help you out, you may be able to choose other options. You could extend the payment duration, but you’ll end up paying more. You may negotiate to pay just a set percentage of the money you begin to earn. The balances on student loans usually are forgiven once 25 years have elapsed.

TIP! Pick a payment option which best fits your requirements. The majority of loan products specify a repayment period of ten years.

Always keep in contact with your lenders. Make sure they know your contact information changes. You must act immediately if information is required. You may end up spending more money than necessary if you miss anything.

If you have more than one student loan, pay each off according to interest rates. Pay off the one with the highest interest rate first. Make extra payments so you can pay them off even quicker. There is no penalty for paying off your loans early.

Don’t discount using private loans for college. There is quite a demand for public loans. Explore the options within your community.

Some people sign the paperwork for a student loan without clearly understanding everything involved. Don’t do this! Always understand what you are signing. If you must, ask questions to make sure you understand everything completely. It is simple to receive more cash than they were meant to.

TIP! Some people sign the paperwork for a student loan without clearly understanding everything involved. You must ask the right questions to clarify what you don’t understand.

Don’t panic when you struggle to pay your loan repayments. Unemployment or a health emergencies can happen at any time. Do know that you have options like deferments and forbearance options. Just remember that interest is always growing, so try to at least make an interest only payment to get things under control.

If you try to get private loans with poor credit, you are sure to need a co-signer. You must then make sure to make every single payment. If you can’t pay, your co-signer will also be liable.

Interest Rate

Your school could be biased toward certain lenders. Many institutions allow selected private lenders to use the school name in their promotions. This can be very misleading. A school might get a kickback for you signing up for that lender. Make sure that you are aware of all the stipulations involved in a loan prior to taking it.

TIP! Your school might have motivations of its own when it comes to recommending certain lenders. Some colleges permit private lenders to utilize the name of the school.

There are two steps to approach the process of paying off student loans. Begin by ensuring you can pay off on each of your loans. Second, pay anything extra to the loan with the highest interest rate, 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 helps lower how much money is spent over the course of the loan.

Use caution if you are considering getting a private student loan. These have many terms that are subject to change. In many cases, you won’t know until you’ve signed the contract. If you sign a contract without understanding the terms, you could be setting yourself up for heartache. Get all the pertinent information you can. If you receive a good offer, go to other lenders and see if they’ll beat that offer.

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

When filling out the student loan paperwork, it is very important that you check it for accuracy. This is something to be careful with because you may get less of a student loan if something is wrong. If you’re unsure, go to your school’s financial aid representative.

TIP! When filling out the student loan paperwork, it is very important that you check it for accuracy. It can really affect what you’ll be offered if you file in error.

Select a payment arrangement that is best for your particular situation. Many student loans come with a decade-long payment term. There are often other options if you need a different solution. You might be able to extend the plan with higher interest rates. You might even only have to pay a percentage of your income once you finally do start making money. Some balances are forgiven if 25 years has elapsed.

Get a meal plan at school to make the most of your student loans. This will eliminate price gouging for extra dining money since it’s just a flat fee for every meal.

TIP! To maximize the use of your student loan, purchase a meal plan which is based on the meal instead of how much it costs. A plan that presumes you will eat every time food is served may overcharge you.

Prioritize your loan repayment of student loans by interest rate of each one. Pay off the one with the highest interest rate loan first. Using the extra money you have can help pay off quicker later on. There are no penalties for paying off quicker.

Understand your repayment options at all times. If paying back the loan will be an issue once you complete school, you may want to consider a graduated repayment plan. Using them, your beginning payments are smaller. Gradually though, they will go up as your earnings expectations increase.

TIP! Find out what choices you have when it comes to repayment. If you cannot afford to pay off your loans when you first graduate college, ask about graduated payments.

The prospect of monthly student loan payments can be hard for someone on an already tight budget. There are loan rewards programs that can help. Look at websites such as SmarterBucks and LoanLink via Upromise.

Try taking classes in high school that offer college credit. Your grades in dual credit courses and your Advanced Placement test results can eliminate the need for many of your college classes, leaving you many fewer hours to pay for.

TIP! To reduce the student loan debt you’re incurring, try taking dual credit classes and Advanced Placement classes in high school. The grades in these classes and the AP test results can get rid of several classes and leave you with fewer hours you must pay for.

College comes with a lot of choices involved, but most aren’t as important as what debt you take on. You may wind up with a huge problem after school because you are faced with the possibility of paying back a big loan with an even bigger interest rate. Use the advice here to ensure your college experience is good.

Explore all options when it comes to making prompt student loan payments. It’s essential that you pay on time to prevent garnished wages and save your credit rating. If multiple payments are too difficult, consolidating your student loans can help.

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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