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

Want Information About Student Loans? This Is For You

Verify the length of your grace period before repayment of your loan is due. The grace period is the amount of time between your graduation date and date on which you must make your first loan payment. You can get a head start in making timely payments by knowing what your grace period is.

TIP! Verify the length of the grace specified in the loan. The grace period is the time you have between graduation and the start of repayment.

You might need a student loan during your lifetime. Maybe now is when you must do this, or perhaps you need one later on. No matter when it may happen, having extensive knowledge of the loan process will be very helpful. The following paragraphs are full of information you more about student loans.

Remain in contact with your lender. Make sure they know your current address and phone number. Read all of the paperwork that comes with your loan. Take action right away. Neglecting something may cost you a fortune.

TIP! Always stay in contact with your lender. Always let them know anytime your personal information changes, because this happens quite a bit when you’re in college.

Always be aware of specific loan you have. You need to watch what your balance is, keep track of the lender, and monitor your repayment progress. These three things will affect future repayment options. This will allow you to budget wisely.

Don’t worry if you can’t make a payment on your student loan due to a job loss or another unfortunate circumstance. Most lenders will let you postpone payments when experiencing hardship. Just know that taking advantage of this option often entails a hike in your interest rates.

TIP! Do not worry if you are unable to make a student loan payment because you lost your job or some other unfortunate circumstance has occurred. Generally, your lender will work with you during difficult situations.

Don’t be scared if something happens that causes you can’t make a payment due to job loss or another unfortunate event. Most lenders can work with you if you lose your current hardship.Just know that doing so could make your interest rates may rise.

Keep in mind that private financing is an option to help pay for school. Student loans from the government are plentiful, but they come with a lot of competition. Not as many students opt for private student loans and money stays unclaimed because not too many people are aware of them. Ask locally to see if such loans are available.

TIP! Don’t overlook private financing for your college years. While public student loans are widely available, there is much demand and competition for them.

Don’t be driven to fear when you get caught in a snag in your loans. Unemployment and health problem can happen at any time. Do know that you have options like deferments and forbearance options. Just remember that interest is always growing, so at least consider making interest only payments to keep balances from rising.

Don’t panic when you struggle to pay your loans. There is always something that pops up in a persons life that causes them to divert money elsewhere. Make sure you are aware of the specific terms that apply to such circumstances, such as deferments or forbearance, which are part of most loan programs. Just be mindful that interest continues to accrue in many options, so at least consider making interest only payments to keep balances from rising.

TIP! Don’t panic if you have a slight hiccup when paying back your loans. Many people have issues crop up unexpectedly, such as losing a job or a health problem.

Prioritize your loan repayment schedule by the interest rate. The highest rate loan with the most interest should be paid off first. Using any extra money you have can get these things paid off student loans faster.There are no penalties for paying off quicker.

Pay your loan off in two steps. First, ensure you meet the minimum monthly payments on each separate loan. Next, pay extra on your loan with the largest interest rate instead of the one with the largest balance. You will reduce how much it costs in the long run.

TIP! There are two steps to approach the process of paying off student loans you have taken out. First, make sure you are at least paying the minimum amount required on each loan.

The idea of monthly student loan every month can seem daunting for someone on an already tight budget. You can minimize the damage a little with loan rewards programs. Look at websites such as SmarterBucks and LoanLink programs that can help you.

Choose payment options that best serve you. 10 years is the default repayment time period. There are other ways to go if this is not right for you. If it takes longer to pay, you will face a higher interest charge. Your future income might become tied into making payments, that is once you begin to make more money. Some loans are forgiven after a 25-year period.

Many people apply for their student loans without reading what they are signing. This is an easy way a lender may collect more money than they should.

Reduce the principal when you pay off the biggest loans first. This will reduce the interest you must pay back. Stay focused on paying the bigger loans first. Once you pay a big loan off, you can transfer the next payments to the ones that are next in line. Making these payments will help you to reduce your debt.

Interest Rate

Get the maximum bang for the buck on your student loans by taking as many credits each semester as you can. 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 will reduce the amount of loans you must take.

TIP! Increase your credit hours if possible. While 9 to 12 hours each semester is full time, you may be able to get 15 to 18 which can help you to graduate faster.

Stafford and Perkins are the best that you can get. These two are considered the safest and the safest. This is a good deal because while you may want to consider.The Perkins loan interest rate of 5%. The Stafford loan only has an interest rate of 6.8 percent.

Be sure to read and understand the terms of any student loans you are considering. It is essential that you question anything you do not clearly understand. This is a good way for you to get scammed.

TIP! Make sure to understand everything about student loans before signing anything. It is vital that you understand everything clearly before agreeing to the loan terms.

If your credit is sub-par, you’ll most likely need to use a co-signer. It is very important that you keep up with all of your payments in a timely manner. If you do not, the co-signer will be responsible for the payments.

If your credit isn’t the best and you are applying for a student loan, you will most likely need a co-signer. Make sure that your payments are up to date. If you don’t keep up with payments on time, your co-signer will be responsible, and that can be a big problem for you and them.

TIP! If you get a student loan that’s privately funded and you don’t have good credit, you have to get a co-signer most of the time. Make sure that your payments are up to date.

The bottom line is that it is quite likely that you will need a student loan during your lifetime. When you know a lot about loans, you are more likely to make the best choices for your situation. The article above has given you this knowledge; use these tips wisely.

Your school might have motivations of its own when it comes to recommending certain lenders. They may have a deal with a private lender and offer them use of the school’s name. Such tactics are often misleading. The school can get a portion of this payment. Be sure you understand all the ins and outs of a loan before accepting it.

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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