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 22, 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

Tips And Tricks About Your Student Loans

Economy

Always be mindful of specific loan details. This will help you with your balance and repayment status. These facts will determine your loan repayment and forgiveness options. Budget wisely with all this data.

Most people know someone who suffers from a staggering amount of student loans. This article can help you need to make a sound decision.

Maintain contact with your lender. Make sure you update them with your personal information if it changes. Be certain you always open mail that comes from your lender, and that includes e-mail. Take any requested actions as soon as you can. Missing anything could make you owe a lot more money.

TIP! Make sure you are in regular contact with the lender. Make sure your records are updated, such as your phone number and address.

Know all of your student loans. You must watch your balance, know who you owe, and what the repayment status currently is with loans. These three details all factor heavily into your ultimate success. You have to have this information to budget yourself appropriately.

Implement a two-step system to repay the student loans. The first thing you need to do is be certain that you are making the minimum required monthly payment on each loan. Next, pay extra on your loan with the largest interest rate instead of the one with the largest balance. This will keep to a minimum the total sum of money you utilize over the long run.

TIP! Utilize a methodical process to repay loans. First, always make minimum payments each month.

Always stay in contact with your lenders. Make sure you update them with your current address and phone number. Take any requested actions are necessary as soon as you can. Missing anything could make you valuable money.

If you want to pay off student loans before they come due, work on those that carry higher interest rates. If you try to pay off the ones with the lowest balances first, you may pay more interest that you have to.

TIP! If you are thinking about paying off any of your student loans ahead of schedule, you should focus on the ones that have the highest interest. If you think you will be better off paying the one with the highest monthly payments first, you may be wrong.

Don’t be driven to fear when you aren’t able to make a slight hiccup when paying back your loans. Job loss and health emergencies are part of life. Do know that you have options like deferments and forbearance options. Just remember that interest will continue to build in many of these options, so try to at least make payments on the interest to keep the balances from increasing.

Keep in mind the time that’s allotted to you as your grace period from when you get out of school until you have to start paying back the loan. Stafford loans typically give you six months. Perkins loans are about 9 months. Other types of student loans can vary. Understand when your first payments will be due so that you can get on a schedule.

TIP! You are offered a grace period after you graduate before you must start paying on your student loans. Stafford loans offer loam recipients six months.

Focus initially on paying off student loans with high interest loans. If you try to pay off the ones with the lowest balances first, there’s a chance you’ll be owing more at the end.

Be sure you select the right payment plan option for you. Many loans offer a decade-long payment term. If that doesn’t work for you, some other options may be out there for you. You might be able to extend the plan with a greater interest rate. You can pay a percentage once the money flows in. Some balances are forgiven if 25 years have passed.

TIP! Go with the payment plan that best fits what you need. In the majority of cases, student loans offer a 10 year repayment term.

Stafford loans typically give you six month grace period. Other types of student loans’ grace periods vary. Know when you will have to pay them back and pay them on your loan.

Pick out a payment option that you know will suit the needs you have. Many student loans offer 10 year payment plans. If this won’t work for you, there may be other options available. For instance, you might secure a longer repayment term, but you will end up paying more in interest. You may also have the option of paying a percentage of income you earn once you start earning it. After 20 years, some loans are completely forgiven.

TIP! Choose payment options that best serve you. The majority of loan products specify a repayment period of ten years.

Select the payment plan that works well for your needs. Many loans allow for a ten year repayment period.There are other choices available if you need a different solution. You might get more time with higher interest rate. You might be eligible to pay a percentage of income once you make money. Some student loan balances are forgiven if 25 years has passed.

Prioritize your loan repayment schedule by interest rate. Pay loans with higher interest rates off first. Using any extra cash available can help pay off student loans faster. You don’t risk penalty by paying the loans back faster.

TIP! When the time comes to repay student loans, pay them off based on their interest rate. The loan with the individual highest rate needs paid down fastest and first.

Choose payment options that fit your needs. Many loans offer a decade. There are other ways to go if this doesn’t work. For example, you can take a longer period to pay, but you will end up paying more in interest. You could also use a portion of your income once you begin making money. Some loans are forgiven after twenty five years have passed.

Pay off big loans with higher interest rates first. When you reduce your overall principal, you wind up paying less interest over the course of the loan. Focus on paying off big loans first. When a large loan is repaid, just start paying on the next ones you owe. When you make an effort to pay off your largest loans with the largest payments possible and pay the minimum on smaller loans, you’ll find that it is much easier to eliminate your debt.

TIP! Pay off larger loans as soon as possible. You will reduce the amount of interest that you owe.

Prioritize your loan repayment schedule by the interest rate. The loan with the largest interest should be paid off first. Using the extra money you have can help pay off student loans faster. There are no penalty for paying off a loan more quickly than warranted by the lender.

If you don’t have very good credit and need a student loan, chances are that you’ll need a co-signer. You have to make every single payment. If you’re not able to, then the co-signer is going to be responsible for the debt you have.

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 vital that you stay current on your payments.

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

A PLUS loan is specifically oriented to address the needs of graduate students and/or parents. They have an interest rate that is not more than 8.5 percent. 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! Parents and graduate students can make use of PLUS loans. The highest the interest rate will go is 8.

Get 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 helps you keep to aminimum the loan amounts you need.

When applying for private student loans, you need to be cautious. Understanding every bit of these loans is difficult. You may not even know them until you’ve signed the paperwork. When this occurs, it might be too late to get out of trouble. Make sure you get the information you really need. If you like an offer, see if other lenders will give you an even better one.

TIP! Be leery of applying for private loans. Finding out the specific terms can be challenging.

Many people apply for student loans without reading what they are getting into. This is an easy way for a lender may collect more money than they are supposed to.

Don’t think that student loans should be depended on totally. Find out other ways to get your tuition paid and consider working part time. There are many valuable scholarship sites to tap into. Start looking early so that you’ll find the best information and assistance.

Be sure to fill your loan applications neatly and properly to avoid any delays in processing.Incorrect and incomplete information can result in having to delay your education.

Look for a job that will bring in some secondary income. 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! Try to get a job to make money on the side. In this way, you will be able to offset certain expenses in ways besides loans, and you will be able to enjoy a bit of spending money as well.

If you need for a student loan and do not have good credit, you have to get a co-signer most of the time. You must be current on your payments and never miss one. If you get yourself into trouble, then your co-signer will be held responsible for those debts.

You must always make the effort to be aware of all payback terms for a student loan. Student loans give you some time before you must begin to pay them back, but there are also additional options that allow you to delay repayment even further. It is vital that you understand all your choices before agreeing to the loan terms. Read the entire loan agreement before signing any documents.

TIP! Make certain you understand your terms of repayment. Student loans give you some time before you must begin to pay them back, but there are also additional options that allow you to delay repayment even further.

PLUS loans are something that is available only to parents and graduate students and to parents. They have a maximum interest rate at 8.5 percent. This is a better rate than that of a private loan, but the rates are better for private loans. This may be a good option for your situation.

Find a way to pay off your loans quickly. 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. If you have a problem making multiple loan payments each month, you might consider consolidation options.

TIP! Do your best to always make at least the minimum payment due on your student loan. 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.

Do not depend entirely on student loans and let that be the end of it. Save your money wherever possible and do not forget to apply for scholarships. There are many valuable scholarship websites that can match you with scholarships and grants that are right for you. Start looking early so you’re best information and assistance.

Always know which loans have the highest interest rate and work to pay those off first. This will greatly reduce the total amount you must pay back. Be sure to remain aware of the status and terms of all your loans. Make payment arrangements so that you do not end up paying unnecessary amounts.

TIP! Pay off the loans where the interest rates are high. In this way, you can prevent interest from piling up and causing an unmanageable amount of debt.

Student loans impact your life during and long after your college years. That said, anyone thinking about applying for financial aid must know exactly what they’re getting themselves into. With the information presented above, however, anyone can have the tools they need to get the job done right.

Only consider an alternative loan, or private student loan, if all else has failed. The interest rates can fluctuate wildly, causing your monthly payments to also increase. Additionally, these loans may not offer the same options as federal loans.

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.