10 Best Cheapest Colleges in Canada for International Students in 2024

Global Ed

Ever wondered, what are the cheapest colleges in Canada? We look at these today.

When it comes to higher education, Canada is a superb choice as it has some of the best universities and colleges in the world. But, the cost of studying abroad can be a deterrent for many.

So, how do we make our international education journey more affordable? One important factor is knowing which colleges are more affordable. We look at the list of the cheapest universities in Canada.

There are, of course, other countries too that offer affordable education. Australia, for instance has some cheap universities, but today we are looking at Canada.

Some of the cheapest universities/ colleges in Canada are…

University of Calgary
University of Guelph
University of Manitoba
University of Sasketchawan
Memorial University of Newfoundland
Bow Valley College
Humber College
Algonquin College
Northern Lights College
Conestoga College

While the above is a list of the top ten, there are more colleges in Canada that are publicly funded and offer great education, like Seneca College. The other great college to look at is Fanshawe College, which is also in Ontario. Another great place to study in Ontario is the University of Waterloo.

What are the cheapest colleges in Canada for International Students?

Your journey as an international student cannot hit a dead end because of the expenses involved. You can always choose to continue your dreams in any of the cheap universities, while still getting the benefit of the Canadian education system. Here are some of the top affordable colleges if you are choosing Canada as your study destination.

S.No	University	Location	Fees in CAD
1	University of Calgary	Calgary, Alberta	~ CA $27,000 for UG
2	University of Guelph	Guelph, Ontario	~ $35,000 for UG $15,000 – $30,000 for PG
3	University of Manitoba	Winnipeg, Manitoba	$17,800 – $30,000
4	University of Sasketchawan	Saskatoon, Sasketchawan	$19,895 to $40,060
5	Memorial University of Newfoundland	St John’s, Province of Newfoundland and Labrador	~ $21,000
6	Bow Valley College	Calgary, Alberta	$18,000 – $35,000
7	Humber College	Toronto, Ontario	$12,000 – $22,000
8	Algonquin College	Ottawa, Ontario	$16,000 – $22,000
9	Northern Lights College	Dawson Creek, BC	$10,900 – $18,556
10	Conestoga College	Kitchener, Ontario	$10,500 – $22,000

Note: These figures give you the average/ range of tuition fees, based on the lowest and highest figures.

1. University of Calgary

Source: UCalgary

The University of Calgary is a place that cannot be described absolutely as “cheap”. Then why is it on this list?

Because, of the list of top universities in Canada, UCalgary is one of the cheapest. It also goes without saying that it is one of the best, considering it is in the top ten. Compared to the University of Toronto, where the average tuition fee is between CA $41,540 – $61,350 or the University of British Columbia which costs between CA $34,276 – $41,156, UCalgary is far cheaper at CA $24,408.

UCalgary, located in the province of Alberta, has 14 faculties and 85 research institutes and centers. Every year, about 33,000 students study here. It is also the alma mater of James Gosling (lead designer of the Java programming language), Garrett Camp (co-founder of Uber), Robert Thirsk (astronaut) and Chip Wilson (founder of Lululemon Inc).

Why is it good to study here?

UCalgary stands in 182nd place among all the universities in the world, according to QS rankings, and in the top-ten list in Canada. It is known for its quality education,work-integrated learning and has a 94% employment rate after graduation. Be it their School of Arts or the Haskayne School of Business (also read: MBA in Canada), UCalgary has a high student satisfaction rate. With a number of student support activities and a diverse student community, UCalgary is a great place to upgrade your higher education experience.

Fees & Scholarship options

The average undergraduate tuition fee is around CA $27,000, while the graduate average tuition fee ranges between CA $8,243 and $21,597.

The university also has scholarship options for international students.
University of Calgary International Entrance Scholarship: Two awards of CA $20,000 given to international students entering their first year
CIBC International Entrance Scholarship: One award of CA $10,000 to an incoming student
The University of Calgary Award for International Student Athletes

You can check out the detailed list of awards and scholarships here.

Eligibility

If you are looking for enrollment at the undergraduate level, then these are the entry requirements:

Standard 12 board examination with certain required courses for your degree program. These required courses vary depending on the major of your choice. Any equivalent International Baccalaureate (IB), Advanced Placement (AP) courses or previously completed SAT2 subject tests are accepted.
Successful completion of at least three years of formal, full-time study in English at a secondary school in an exempt country (Indian students are exempt) or is accredited to offer Canadian, American or British curricula.
Or a minimum TOEFL iBT score of 86 or a minimum IELTS score of 6.5

Courses offered & admission process

B.A., B.Sc., M.A., M.Sc., MBA, M. Eng., and Ph.D. programs are offered at the University of Calgary. The university offers 250 programs that can be combined with your choice, starting from Accounting, all the way to Zoology.

Once you select the course of your choice and ensure that the admission requirements are met, you make an account on the UCalgary website. You ensure that you have all transcripts in hand, ready to upload. You will also have to pay an application fee of CA $145, as an international student.

2. University of Guelph

Source: UGuelph

A public research university located in Guelph, Ontario, the University of Guelph was established in 1964. It consists of seven main faculties under which the courses are offered. The university motto is Rerum cognoscere causas which means “to learn the reasons of realities”. About 30,000 students study at this university.

Why is it good to study here?

Ranked 486 worldwide in QS Rankings, the University of Guelph finds its place in the top 50 research universities in Canada. They are particularly known for their veterinary and agricultural sciences programs. UGuelph ranks number 5 worldwide when it comes to veterinary sciences. Moreover, they offer over 100 different graduate programs and create a personalized learning atmosphere.

Fees & Scholarship options

The average total fees (winter and fall semesters) of a BSc or a BA program is around CA $35,000. The graduate fee ranges from CA $15,000 (typical MA/MSc programs) to CA $30,000 (for a Master’s in Data Science or Cybersecurity).

Despite the fees, the number of scholarships is what makes the University of Guelph one of the cheapest colleges for international students. In 2021-22, over 8,100 students received funding, totalling about CA $27.2 million.

The Dr. Franco J. Vaccarino President’s Scholarship
Academic Leadership Entrance Scholarships
International Entrance Scholarships
Quinn Memorial Scholarships
Hardy International Student Scholarship.

Read about these scholarships and their requirements here.

Eligibility

If you are applying for a bachelor’s degree

You must have completed class 12 from any of the recognized boards with an average score of 80%.
Minimum IELTS score of 6.5 with no band under 6/ TOEFL iBT score of 89/ CAEL score of 70/ PTE score 60/ Cambridge English score of 176 with no band less than 160/ DuoLingo English score of 100.

If you are applying for a master’s degree

Successful completion of an undergraduate degree/ baccalaureate, in an honors program or the equivalent, from a recognized university with a minimum B- average (last two years of full-time equivalent study)
Proof of English language proficiency is the same as the undergraduate degree, however, DuoLingo is not accepted at the Master’s level.

It is always better to check the department or the specific program website to ensure there are no other specific requirements for admission.

Courses offered & admission process

It offers 94 undergraduate degrees, 48 graduate and doctoral programs, and 6 associate degrees in many different disciplines. Their veterinary science and agriculture programs are world-renowned. You can access the entire list of programs here.

Once you have selected your program and verified the requirements, you must submit a completed application form along with a non-refundable application fee of CA $90. When your application is processed, you will be given the information to access the student portal. All updates will be reflected there.

3. University of Manitoba

Source: University of Manitoba

Located in Winnipeg, Manitoba, the University of Manitoba was founded in 1877, making it the first university in Western Canada. Known for its research, some of the university’s contributions are the discovery of a treatment for and control of Rh hemolytic disease and the genetic research that produced canola, the world’s third-largest edible oil crop. The university’s motto is “Floreat” which is Latin for “flourish” or “prosper”. There are currently over 30,000 students attending the University of Manitoba. The University de Saint Boniface is a French university affiliated to the University of Manitoba.

Why is it good to study here?

Ranked 651-700 worldwide by QS Rankings, this school provides top-notch teaching, learning, and research opportunities in Manitoba. The university emphasizes values such as academic freedom, accountability, collegiality, equity and inclusion, excellence, innovation, integrity, respect, and sustainability. Updated curricula, innovative pedagogies, and high employment rates are just some of the reasons to consider this university.

Fees & Scholarship options

Yearly tuition fee for an undergraduate student ranges from CA $17,800 to CA $30,000, making it one of the more affordable universities in Canada.

The university has entrance scholarships, other funding, and bursaries for international students. They are instituted to reward academic excellence. The funding amount is dynamic and is calculated based on your performance in high school or within the university. Get a detailed account of Manitoba scholarships here.

Eligibility

For an undergraduate application

Completed Class 12 (higher secondary certificate)
Score a minimum of 6.5 in TOEFL with no band less than 6.0/ 85 in TOEFL iBT/ 180 in Cambridge English Assessment / 58 in Pearson Test

For a master’s program

Completed a bachelor’s program from a recognized university with a minimum GPA of 3.0.
English language proficiency, as stipulated by the respective departments.

Courses offered & admission process

Offering over 100 academic programs, the University of Manitoba is a full-fledged public research university. You can choose a program of your liking, here.

There is an application fee of CA $120 for bachelor’s degree applications and of CA $100 for graduate applications. Once you have chosen the program, you submit a complete application form along with the necessary transcripts. You can check the status of your application on the online student portal.

4. University of Sasketchawan

Source: USask

Located in the city of Saskatoon in Saskatchewan, USask is another public research university that has been in existence since 1907. A member of the U15 group of Canadian research universities, it began as an agricultural college and grew to be one of the more renowned yet low-fee universities in Canada. USask is the home to the Canadian Light Source synchrotron, one of the largest and most innovative investments in Canadian science.

Why is it good to study here?

Ranked 473rd in the world by QS Rankings, the university provides practical hands-on experience through internships and co-op programs during the course of the study. As a relatively smaller university, it provides high student support. It is also the alma mater of John Diefenbaker, the 13th Prime Minister of Canada, Henry Taube, winner of the 1983 Nobel Prize in Chemistry, and William McIntyre, former justice of the Supreme Court of Canada.

Fees & Scholarship options

For international students, the average tuition fee ranges from CA $19,895 to $40,060 (School of business administration). Courses like Law or Nursing are priced higher, between CA $40,000 to $55,000.

The following are the scholarship options for international students

University of Saskatchewan International Excellence Awards
International Baccalaureate (IB) Excellence Awards
USask Bridging Scholarship Awards
Canadian Curriculum Schools Awards
Council of International School Awards
Maple Leaf International School Awards

Eligibility

For an undergraduate degree:

Completed class 12 with the required courses
Minimum IELTS score of 6.5 or TOEFL score of 86

For a master’s program

Four-year undergraduate degree or equivalent
Minimum IELTS score of 6.5 or TOEFL score of 86

Courses offered & admission process

The university offers over 200 programs across disciplines, ranging from accounting, aboriginal studies, biochemistry and computer science all the way to women’s studies at the bachelor’s master’s, and doctoral levels. You can access the entire list here. You can apply for any of them, as long as you meet the eligibility criteria, with an application fee of CA $90.

5. Memorial University of Newfoundland

Source: MUN

Memorial University of Newfoundland or MUN was founded in 1925 as a living memorial to Newfoundlanders and Labradorians who died in the First World War. It is a public university with its main campus located in St John’s with additional campuses in Corner Brook, Saint Pierre, and Harlow. The motto of this Canadian college in Latin is Provehito in Altum, which when translated reads as ‘Launch forth into the deep’.

Why is it good to study here?

Ranked 641-650 in QS World University Rankings for 2024, this university offers a number of unique programs to over 19,000 students from 115 countries. MUN offers certificate, diploma, undergraduate, graduate and postgraduate courses across five campuses and online. Due to its location in Atlantic Canada, this university is one of the top research universities for Ocean studies, Marine Engineering, and Naval engineering.

Fees & Scholarship options

The average tuition fee for an international student is CA $21,000. However, you can gain diplomas and certificates at much more affordable rates, making it one of the low fee colleges in Canada . Get a detailed picture of other expenses and incidentals here.

Their international scholarship options are:

Memorial University of Newfoundland International Entrance Scholarship
IUGS Entrance Scholarship for Undergraduate Students
Fortis Inc. – H. Stanley Marshall Scholarship
Killam American Undergraduate Scholarship
Don and Mona Dooley (OLOF) Thailand Scholarship
Shona Perry-Maidment Entrance Award

Eligibility

For undergraduate applications

Completed Class 12 from any of the recognized boards with required subjects (English, Maths, Science, Social Studies/ Modern Classical Language, and an elective)
You must have scored a minimum of 60 in CAEL / 115 in DuoLingo English Test / 6.5 in IELTS / 79 in TOEFL iBT / 58 in the Pearson Test

Courses offered & admission process

This Canadian university has over 100 undergraduate programs across Newfoundland and Labrador, abroad, and online. You can access the entire list here.

On paying a non-refundable application fee of CA $120, you can apply for any of the courses. Keep all the transcripts and other requirements handy while filling out your application.

6. Bow Valley College

Source: Bow Valley College

Established in 1965 as a community institution, the main campus of Bow Valley College is located in downtown Calgary, Alberta. The branch campuses are Airdrie, Banff, Canmore, Cochrane, High River, Okotoks, and Strathmore. With a student population of 17,000, this college is one of the more affordable colleges in Canada.

Why is it good to study here?

Ranked 101 of the top colleges in Canada by Webometrics, applied research projects are one of the strong points of this school. Competency-based education is the mantra of Bow Valley. Prospective employers play a major role in building these competencies so that a graduate from Bow Valley College is set to meet industry standards upon graduation.

Fees & Scholarship options

The fee ranges from CA $18,000 to CA $35,000 for diploma and certificate courses.

The college offers both entrance and in-course scholarships to international students. In addition, the Arts diploma program students (2-year course) are also eligible for the CEA Diploma Scholarship. For more details on Bow Valley Scholarships, follow this link.

Eligibility

The academic requirements vary with each program. However, when it comes to language proficiency, a minimum score of 6.0 in IELTS or 83 in TOEFL iBT or its equivalent is what is expected.

Courses offered & admission process

Over a hundred courses are offered by the seven specialized schools of Bow Valley College.

The Chiu School of Business
The School of Continuing Learning (professional development, continuing education system and open studies courses)
The School of Community Studies
The School of Technology
The School of Foundational Learning
The School of Global Access
The School of Health and Wellness

7. Humber College

Source: Humber College

Located in central Toronto, the official name of Humber College is the Humber Institute of Technology and Advanced Learning. Founded in 1967, it has two main campuses: the Humber North campus and the Lakeshore campus.

Why is it good to study here?

The college is popular among international students for the opportunities it provides. This college has over 150 programs – bachelor’s degrees, diplomas, certificate courses, postgraduate certificate courses, and apprenticeship programs in over 40 fields of study. Their pathway programs are particularly popular. These programs guide you into a specialized degree with a definitive career path. The skill development opportunities here are practically endless.

Fees & Scholarship options

The annual fees for international students range from CA $12,000 to $22,000, depending on the course.
Numerous scholarship options are available

Humber Entrance Scholarships
Bachelor’s degree Scholarships
Awards for EAP Graduates (English for Academic Purposes)
Flywire Charitable Foundation Scholarships

Eligibility

Class 12 exams (ICSE/ CBSE or State Board) with a minimum score of 70%.
IELTS score of 6.0 or above or a TOEFL score of 90 or above in the iBT.

Courses offered & admission process

The college has over 100 programs to choose from. You can compare programs and access the entire list here. However, some of the more popular courses are:

B.E/ B.Tech
A graduate certificate in Business Administration
Arts and Media Design
Nursing courses
Pharmaceutical Management course
Hospitality and Travel courses

As one of the top colleges providing diplomas, Humber usually gets more applications than the seats available. So, you first need to pick your program and see the availability. Then, you submit the completed application form with the necessary transcripts. International applicants may be asked to submit an ICAS or WES evaluation to check eligibility. Depending on the program, you might also be asked to submit a statement of purpose, a portfolio, letters of reference and so on.

8. Algonquin College of Applied Arts and Technology

Source: Algonquin College

Established in 1967, the Algonquin College of Applied Arts and Technology is a public college in Ottawa. It is a member of Polytechnics Canada and provides work-centric post-secondary education.

Why is it good to study here?

Algonquin College is one of Canada’s largest colleges. The student-oriented atmosphere and multicultural ethos make for an exceptional learning atmosphere. The college is known for its diverse areas of studies and application-oriented on-campus training. The college offers over 200 bachelor’s degrees, diplomas, postgraduate diplomas, and certificate programs. The Algonquin varsity teams have also made a name for themselves by competing in six sports on the provincial level within the OCAA.

Fees & Scholarship Options

For an international student, the fee (tuition + health insurance + student services) ranges from CA $16,000 to CA $22,000.

Here are some of the scholarship options for international students

Arnold Smith Royal Commonwealth Society Scholarship- Ottawa Chapter
David Phillipe Duguay Scholarship for Academic Achievement
Gary Neville Memorial Scholarship
guard.me International Student Scholarship
Out of this World Scholarship
Paramedic Scholarship of Excellence
Revera Living Scholarship

Eligibility

For a certificate or a diploma program:

Class 12 certificate with a minimum percentage of 60%.
IELTS with a minimum score of 6.0

For a Bachelor’s Degree:

Class 12 certificate with a minimum mark overall 65% and min 60% min. in required program subjects
Academic IELTS with an overall minimum score of 6.5 (with no single test score below 6.0)

For a Post Graduate Certificate program:

Bachelor’s degree with a cumulative GPA (CGPA) of 55% or higher
Academic IELTS with an overall minimum score of 6.5 (with no single test score below 6.0)

Courses offered and Admission Process

There are 155 diploma/ certificate courses, 18 apprenticeship programs, 40 co-op programs, 6 collaborative degree programs, and 6 bachelor’s degree programs. Here’s an A-Z list of all programs offered by Algonquin College.

With a fairly high acceptance rate, Algonquin College has a simple admission process. Once the completed application along with the application fee of CA $110 is submitted, the college responds within 8 weeks of your status. Once you accept their conditional offer, you can begin your student visa application.

9. Northern Lights College

Source: Dawson Creek

Why is it good to study here?

With its affordable tuition and cost of living, Northern Lights College is one of the most reputed colleges in British Columbia. It gives you the added advantage of applied practical college learning and the chance to apply for a PGWP (Postgraduate Work Permit) on completion of its course. Its campuses are also strategically located in places with dynamic local labour markets. It becomes easier for skilled workers to find employment within three months of completion of the course.

Fees

The tuition fee for a year ranges from CA $10,900 to CA $18,556, depending on the course.

The college offers both general and program-specific awards, which can be looked into here.

Eligibility

High school graduation
Minimum IELTS score of 6.0 for bachelor’s level programs and 6.5 for master’s level.

Courses offered & admission process

Here is a list of all programs at NLC. Popular courses include

Business Management
Apprenticeships and Trades
Teacher Training
Applied Business Technology
Aircraft Maintenance Engineering
Workforce Training
Clean Energy Technology like Wind Turbine Maintenance,
Oil and Gas Training
Early Childhood Education

10. Conestoga College

Source: Conestoga

Another of the top colleges in the Ontario province, Conestoga is known for its courses in polytechnics.

Why is it good to study here?

Conestoga College provides opportunities for students to participate in applied research. You get to work with real-world industry clients and develop solutions for them. This keeps you updated on the latest needs of the industry and shapes your career accordingly. The school also has over 300 programs, giving you a wide variety to choose from.

Fees

For international students, the tuition fee is about CA $10,500 to CA $22,000 per annum. This is a considerably low tuition fee when compared to other Canadian colleges.

A student at Conestoga can be eligible for either an international or a regional scholarship. They are awarded based on merit. There is also the Narhari Sharma Memorial Award for international students. Get the full details of the scholarships here.

Eligibility

Each program has a different academic requirement to qualify for admission. However, a basic minimum of high school education is necessary. A minimum IELTS score of 6.5 or a TOEFL score of 88 is also required to be eligible.

Courses offered and Admission Process

To go through the entire list of programs, click here. Some of the most sought-after programs are

Applied Computer Science & Information Technology
Business (BBA)
Community Services
Creative Industries
Engineering & Technology
Health Sciences
Hospitality & Culinary Arts

A few more Canada colleges for international students

As we have mentioned in some of our earlier articles, the labels “university” and “college” cannot be used interchangeably when it comes to Canadian higher education. A university is more academic and research oriented, while a college in Canada typically offers vocational or practical oriented programmes. Another important distinction is that the scope of degrees that a university can offer is much greater than what a college does. A college typically awards diplomas, graduate diplomas, certificates and a few undergraduate (bachelor’s) degrees.

In Canada, colleges are generally more affordable than universities. You can gain a diploma or a bachelor’s degree for anywhere typically between CA $12,000 and $30,000 (per year) in a college, depending on your specialisation. That said, here are a few more colleges, classified based on their location, to consider.

Ontario Colleges:

Fanshawe College
Seneca College
George Brown College
Durham College
Centennial College and
Algonquin College

British Columbia Colleges:

Langara College
Camosun College
Douglas College
Okanagan College
Vancouver Community College
College of New Caledonia and
Selkirk College
Simon Fraser University
University of Northern British Columbia

Alberta Colleges:

Northern Alberta Institute of Technology
Southern Alberta Institute of Technology
Athabasca University and
Lethbridge College
University of Alberta

Quebec Colleges:

Dawson College
LaSalle College
Vanier College
Bishop’s University and
Université Laval

Saskatchewan Colleges:

Saskatchewan Polytechnic
Great Plains College and
Campion College

Manitoba Colleges:

University of Winnipeg and
Manitoba Institutes of Trades and Technology
Brandon University
Canadian Mennonite University

Nova Scotia Colleges:

Acadia University
Mount Saint Vincent University and
St Mary’s University

Newfoundland and Labrador:

College of the North Atlantic

New Brunswick Colleges:

New Brunswick Community College
Mount Allison University and
University of New Brunswick

Canada is a great option for studying abroad. You should do your research before applying to make sure its the right fit for you. It’s a good idea to compare it to other destinations to understand the differences. If you want to know more, you should look at our Canada versus the US piece, or if you’re thinking of closer home, you can read our piece on UK and Canada comparison to know more.

Let’s get you into top courses with no stress

While becoming an international student is very thrilling, the prep and paperwork of it all can get overwhelming. The easiest way to reduce your stress is to sign up with TC Global.

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To move forward with us, download our app or visit tcglobal.com and sign in to create an account on our student platform and onboard with us in quick, easy steps.! ?

Then simply set up a visit Calendly.com/tcglobal to pick a Relationships Team closest to you and choose a slot to meet with a Relationship Member to know more about the cheapest colleges in Canada. No matter where in the world you are located you can access our platform. We also have offices in several parts of India – from Delhi and Pune, to Mumbai and Kochi. If you are anywhere in Kerala, for instance, our Kochi center will be great for you. You can also explore the best study abroad consultants in Kerala. Our platform, however, knows no geographical boundaries – you can access it from anywhere and start your journey!

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TC Global Content

The Service contains Content specifically provided by TC Global or its partners and such Content is protected by copyrights, trademarks, service marks, patents, trade secrets or other proprietary rights and laws, as applicable. You shall abide by and maintain all copyright notices, information, and restrictions contained in any Content accessed through the Service.

Subject to these Terms of Use, TC Global grants each user of the Site and/or Service a worldwide, non-exclusive, non-sub licensable and non-transferable license to use, modify and reproduce the Content, solely for personal, non-commercial use. Use, reproduction, modification, distribution or storage of any Content for other than personal, non-commercial use is expressly prohibited without prior written permission from TC Global, or from the copyright holder identified in such Content's copyright notice, as applicable. You shall not sell, license, rent, or otherwise use or exploit any Content for commercial (whether or not for profit) use or in any way that violates any third party right.

User Submissions

We may use your User Submissions in a number of different ways in connection with the Site, Service and TC Global's business as TC Global may determine in its sole discretion, including but not limited to, publicly displaying it, reformatting it, incorporating it into marketing materials, advertisements and other works, creating derivative works from it, promoting it, distributing it, and allowing other users to do the same in connection with their own websites, media platforms, and applications ("Third Party Media"). By submitting User Submissions on the Site or otherwise through the Service, you hereby do and shall grant TC Global a worldwide, non- exclusive, royalty-free, fully paid, sub licensable and transferable license to use, copy, edit, modify, reproduce, distribute, prepare derivative works of, display, perform, and otherwise fully exploit the User Submissions in connection with the Site, the Service and TC Global's (and its successors and assigns') business, including without limitation for promoting and redistributing part or all of the Site (and derivative works thereof) or the Service in any media formats and through any media channels (including, without limitation, third party websites and feeds). You also hereby do and shall grant each user of the Site and/or the Service, including Third Party Media, a non-exclusive license to access your User Submissions through the Site and the Service, and to use, edit, modify, reproduce, distribute, prepare derivative works of, display and perform such User Submissions in connection with their use of the Site, Service and Third Party Media. For clarity, the foregoing license grant to TC Global does not affect your other ownership or license rights in your User Submission(s), including the right to grant additional licenses to the material in your User Submission(s), unless otherwise agreed in writing with TC Global.

You represent and warrant that you have all rights to grant such license to us without infringement or violation of any third party rights, including without limitation, any privacy rights, publicity rights, copyrights, contract rights, or any other intellectual property or proprietary rights.

You understand that all information publicly posted or privately transmitted through the Site is the sole responsibility of the person from whom such Content originated; that TC Global will not be liable for any errors or omissions in any Content; and that TC Global cannot guarantee the identity of any other users with whom you may interact in the course of using the Service.

You should be aware that the opinions expressed in the Content in User Submissions are theirs alone and do not reflect the opinions of TC Global. TC Global is not responsible for the accuracy of any of the information supplied in User Submissions or in relation to any comments that are posted.

You should bear in mind that circumstances change and that information that may have been accurate at the time of posting will not necessarily remain so.

When you delete your User Submissions, they will be removed from the Service. However, you understand that any removed User Submissions may persist in backup copies for a reasonable period of time (but following removal will not be shared with others) or may remain with users who have previously accessed or downloaded your User Submissions.

Rules and Conduct

As a condition of use, you promise not to use the Service for any purpose that is prohibited by these Terms of Use. You are responsible for all of your activity in connection with the Service.

Additionally, you shall abide by all applicable local, state, national and international laws and regulations and, if you represent a business, any advertising, marketing, privacy, or other self-regulatory code(s) applicable to your industry.

By way of example, and not as a limitation, you shall not (and shall not permit any third party to) either (a)take any action or (b)upload, download, post, submit or otherwise distribute or facilitate distribution of any Content on or through the Service, including without limitation any User Submission, that:

belongs to another person and to which the user does not have any right;
is defamatory, obscene, pornographic, pedophilic, invasive of another's privacy, including bodily privacy, insulting or harassing on the basis of gender, libelous, racially or ethnically objectionable, relating or encouraging money laundering or gambling, or otherwise inconsistent with or contrary to the laws in force;
is harmful to a minor;
infringes any patent, trademark, copyright or other proprietary rights;
violates any law for the time being in force;
deceives or misleads the addressee about the origin of the message or knowingly and intentionally communicates any information which is patently false or misleading in nature but may reasonably be perceived as a fact;
impersonates another person;
threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order, or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting other nation;
contains software virus or any other computer code, file or program designed to interrupt, destroy or limit the functionality of any computer resource;
is patently false and untrue, and is written or published in any form, with the intent to mislead or harass a person, entity or agency for financial gain or to cause any injury to any person.

Additionally, you agree not to:

contact anyone who has asked not to be contacted, or makes unsolicited contact with anyone for any commercial purpose, specifically, contact any user to post an advertisement on a third party website or post any advertisement on behalf of such user; or to "stalk" or otherwise harass anyone;
make any libelous or defamatory comments or postings to or against anyone;
collect personal data about other users or entities for commercial or unlawful purposes;
use automated means, including spiders, robots, crawlers, data mining tools, or the like to download or scrape data from the Site, except for internet search engines (eg. Google) and non-commercial public archives (e.g. archive.org) that comply with our robots.txt file;
post Content that is outside the local area or not relevant to the local area, repeatedly post the same or similar Content, or otherwise impose unreasonable or disproportionately large loads on our servers and other infrastructure;
attempt to gain unauthorized access to computer systems owned or controlled by TC Global or engage in any activity that disrupts, diminishes the quality of, interferes with the performance of, or impairs the functionality of, the Service or the Site.
use any automated device or software that enables the submission of automatic postings on TC Global without human intervention or authorship (an "automated posting device"), including without limitation, the use of any such automated posting device in connection with bulk postings, or for automatic submission of postings at certain times or intervals; or
Any Content uploaded by you shall be subject to relevant laws and may disabled, or and may be subject to investigation under appropriate laws. Furthermore, if you are found to be in non-compliance with the laws and regulations, these terms, or the privacy policy of the Site, we may terminate your account/block your access to the Site and we reserve the right to remove any non-compliant Content uploaded by you.

TC Global does not guarantee that any Content or User Submissions (as defined above) will be made available on the Site or through the Service. TC Global has no obligation to monitor the Site, Service, Content, or User Submissions. However, TC Global reserves the right to (i) remove, suspend, edit or modify any Content in its sole discretion, including without limitation any User Submissions at any time, without notice to you and for any reason (including, but not limited to, upon receipt of claims or allegations from third parties or authorities relating to such Content or if TC Global is concerned that you may have violated these Terms of Use), or for no reason at all and (ii) to remove, suspend or block any User Submissions from the Service. TC Global also reserves the right to access, read, preserve, and disclose any information as TC Global reasonably believes is necessary to (i) satisfy any applicable law, regulation, legal process or governmental request, (ii) enforce these Terms of Use, including investigation of potential violations hereof, (iii) detect, prevent, or otherwise address fraud, security or technical issues, (iv) respond to user support requests, or (v) protect the rights, property or safety of TC Global, its users and the public.

Technical Failures

It is possible that you may face disruptions, including, but not limited to errors, disconnections or interferences in communication in the internet services, software or hardware that you have used to avail our Service. TC Global is not responsible for such factors in the disruption or interruption in the Service and you take full responsibility with complete knowledge for any risk of loss or damages caused due to interruption of services for any such reasons.

Advertisements, Third Party Sites and Services

Some of the TC Global Services are supported by advertising revenue and may display advertisements, promotions, and links to third-party websites. You hereby agree that TC Global may place such advertising and promotions on the TC Global Services or on, about, or in conjunction with your Content. The manner, mode and extent of such advertising and promotions are subject to change without specific notice to you.

The Service may permit you to link to other websites, services or resources on the Internet, and other websites, services or resources may contain links to the Site. When you access third party websites, you do so at your own risk. These other websites are not under TC Global's control, and you acknowledge that TC Global is not responsible or liable for the content, functions, accuracy, legality, appropriateness or any other aspect of such websites or resources. The inclusion of any such link does not imply endorsement by TC Global or any association with its operators. You further acknowledge and agree that TC Global 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 the use of or reliance on any such Content, goods or services available on or through any such website or resource.

Termination

TC Global may terminate your access to all or any part of the Service at any time, with or without cause, with or without notice, effective immediately, which may result in the forfeiture and destruction of all information associated with your membership. If you wish to terminate your account, you may do so by contacting us at hello@tcglobal.com till we develop the procedure on the website and apps. Any fees paid hereunder are non-refundable. All provisions of these Terms of Use which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Warranty Disclaimer

Save to the extent required by law, TC Global has no special relationship with or fiduciary duty to you. You acknowledge that TC Global has no control over, and no duty to take any action regarding: which users gain access to the Service; what Content you access via the Service; what effects the Content may have on you; how you may interpret or use the Content; or what actions you may take as a result of having been exposed to the Content.

You release TC Global from all liability for you having acquired or not acquired Content through the Service. The Service may contain, or direct you to websites containing, information that some people may find offensive or inappropriate. TC Global makes no representations concerning any Content contained in or accessed through the Service, and TC Global will not be responsible or liable for the accuracy, copyright compliance, legality or decency of material contained in or accessed through the Service and cannot be held liable for any third-party claims, losses or damages.

You release us from all liability relating to your connections and relationships with other users. You understand that we do not, in any way, screen users, nor do we inquire into the backgrounds of users or attempt to verify their backgrounds or statements. We make no representations or warranties as to the conduct of users or the veracity of any information users provide. In no event shall we be liable for any damages whatsoever, whether direct, indirect, general, special, compensatory, consequential, and/or incidental, arising out of or relating to the conduct of you or anyone else in connection with the Services, including, without limitation, bodily injury, emotional distress, and any damages resulting in any way from communications or meetings with users or persons you may otherwise meet through the Services. As such, you agree to take reasonable precautions and exercise the utmost personal care in all interactions with any individual you come into contact with through the Service,
particularly if you decide to meet such individuals in person. For example, you should not, under any circumstances, provide your financial information (e.g., credit card or bank account numbers) to other individuals.

THE SITE, SERVICE AND CONTENT ARE PROVIDED "AS IS", "AS AVAILABLE" AND ARE PROVIDED WITHOUT ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, NONINFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES IMPLIED BY ANY COURSE OF PERFORMANCE OR USAGE OF TRADE, ALL OF WHICH ARE EXPRESSLY DISCLAIMED, SAVE TO THE EXTENT REQUIRED BY LAW.

TC GLOBAL, AND ITS AFFILIATES, TEAM, DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, SUPPLIERS, PARTNERS AND CONTENT PROVIDERS DO NOT WARRANT THAT: (A) THE SERVICE WILL BE SECURE OR AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; (B) ANY DEFECTS OR ERRORS WILL BE CORRECTED; (C) ANY CONTENT OR SOFTWARE AVAILABLE AT OR THROUGH THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR (D) THE RESULTS OF USING THE SERVICE WILL MEET YOUR REQUIREMENTS. YOUR USE OF THE WEBSITE, SERVICE AND CONTENT IS SOLELY AT YOUR OWN RISK. SOME STATES / COUNTRIES DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

Indemnification

You shall defend, indemnify, and hold harmless TC Global, its affiliates and each of its and its affiliates' employees, contractors, directors, suppliers and representatives from all losses, costs, actions, claims, damages, expenses (including reasonable legal costs) or liabilities, that arise from or relate to your use or misuse of, or access to, the Site, Service, Content or otherwise from your User Submissions, violation of these Terms of Use, or infringement by you, or any third party using the your account, of any intellectual property or other right of any person or entity (save to the extent that a court of competent jurisdiction holds that such claim arose due to an act or omission of TC Global). TC Global reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with TC Global in asserting any available defenses.

Limitation of Liability

ALL LIABILITY OF TC GLOBAL, ITS AFFILIATES, DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, PARTNERS, SUPPLIERS OR CONTENT PROVIDERS HOWSOEVER ARISING FOR ANY LOSS SUFFERED AS A RESULT OF YOUR USE OF THE SITE, SERVICE, CONTENT OR USER SUBMISSIONS IS EXPRESSLY EXCLUDED TO THE FULLEST EXTENT PERMITTED BY LAW, SAVE THAT, IF A COURT OF COMPETENT JURISDICTION DETERMINES THAT LIABILITY OF TC GLOBAL, ITS DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, PARTNERS, SUPPLIERS OR CONTENT PROVIDERS (AS APPLICABLE) HAS ARISEN, THE TOTAL OF SUCH LIABILITY SHALL BE LIMITED IN AGGREGATE TO THE VALUE OF TC GLOBAL'S SERVICES AVAILED BY THE USER FOR 12 MONTHS PRIOR TO THE INITIATION OF A CLAIM.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL TC GLOBAL, NOR ITS DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, PARTNERS, SUPPLIERS OR CONTENT PROVIDERS, BE LIABLE UNDER CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE OR ANY OTHER LEGAL OR EQUITABLE THEORY OR OTHERWISE (AND WHETHER OR NOT TC GLOBAL, ITS DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, PARTNERS, SUPPLIERS OR CONTENT PROVIDERS HAD PRIOR KNOWLEDGE OF THE CIRCUMSTANCES GIVING RISE TO SUCH LOSS OR DAMAGE) WITH RESPECT TO THE SITE, SERVICE, CONTENT OR USER SUBMISSIONS FOR:

INDIRECT OR CONSEQUENTIAL LOSSES OR DAMAGES;
LOSS OF ACTUAL OR ANTICIPATED PROFITS;
LOSS OF REVENUE;
LOSS OF GOODWILL;
LOSS OF DATA;
LOSS OF ANTICIPATED SAVINGS;
WASTED EXPENDITURE; OR
COST OF PROCUREMENT OF SUBSTITUE GOODS OR SERVICES.

NOTHING IN THESE TERMS OF USE SHALL BE DEEMED TO EXCLUDE OR LIMIT YOUR LIABILITY IN RESPECT OF ANY INDEMNITY GIVEN BY YOU UNDER THESE TERMS OF USE. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN SUCH CASES, TC GLOBAL'S LIABILITY WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

Governing Law

A printed version of these Terms of Use and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms of Use to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. You and TC Global agree that any cause of action arising out of or related to the Service must commence within one (1) year after the cause of action arose; otherwise, such cause of action is permanently barred.

Terms of Use and all other policies available on this Service shall be interpreted and construed in accordance with the laws of India. Any dispute arising out of or in connection with these Terms of Use and/ or other policies available on this App, including any question regarding its existence, validity or termination, shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre ("SIAC") in accordance with the Arbitration Rules of the Singapore International Arbitration Centre ("SIAC Rules") for the time being in force, which rules are deemed to be incorporated by reference in this clause. The Tribunal shall consist of 3 arbitrators. The seat and venue of Arbitration shall be Singapore and the language of proceedings shall be English. Subject to the foregoing, the Courts of Singapore shall have exclusive jurisdiction over any disputes relating to the subject matter, herein.

Notwithstanding the foregoing, if a dispute arises with respect to the validity, scope, enforceability, inventorship, ownership, infringement, breach or unauthorised use of any patent, trademark, copyright or other intellectual property right or any non-proprietary data owned and/or controlled by TC Global, whether or not arising from the Terms of Use, such dispute (at the option of TC Global) shall not be submitted to arbitration and instead, TC Global shall be free to initiate litigation, including but not limited to a claim for interim injunctive relief, in a court of competent jurisdiction, in any country or other jurisdiction in which such rights apply.

Integration and Severability

These Terms of Use are the entire agreement between you and TC Global with respect to the Service and use of the Site, Service, Content or User Submissions, and supersede all prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and TC Global with respect to the Site. If any provision of these Terms of Use is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms of Use will otherwise remain in full force and effect and enforceable. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder. Waiver of compliance in any particular instance does not mean that we will waive compliance in the future. In order for any waiver of compliance with these Terms of Use to be binding, TC Global must provide you with written notice of such waiver through one of its authorized representatives.

Modification of Terms of Use

TC Global reserves the right, at its sole discretion, to modify or replace any of these Terms of Use, or change, suspend, or discontinue the Service (including without limitation, the availability of any feature, database, or content) at any time by posting a notice on the Site or by sending you notice through the Service or via email. TC Global may also impose limits on certain features and services or restrict your access to parts or all of the Service without notice or liability. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Service following the posting of any changes to these Terms of Use constitutes acceptance of those changes. You shall also be notified of any modifications to these Terms of Use as and when effected or at least once a year.

Other Provisions

Claims of Copyright or Trademark Infringement

Claims of copyright or trademark infringement should be sent to TC Global's designated agent. If you believe that someone is infringing your copyright or trademark rights on the Site, you can report it to us by contacting our designated agent at hello@thechoprasglobal.com with a report containing the following information:

your complete contact information (name, mailing address and phone number),
a detailed description of the Content that you claim infringes your copyright or trademark along with details on how it infringes upon your copyright or trademark,
the web address (URL) of the infringing content,
a declaration that you are filing this report in good faith and that all the information provided is accurate and that you are the owner of the copyright and/or trademark in question.

Please attach your digital signature or physical signature to the report.

Within 36 hours of receiving this notice with the above mentioned details, we will take down the allegedly infringing material from public view while we assess the issues identified in your notice.

On completion of the take-down procedure above:

If the complainant is successful in obtaining an order of injunction from a court of competent jurisdiction within 21 days from filing the complaint, the material will be permanently removed from TC Global's Site and database upon TC Global being provided with a copy of such order;
If the complainant is not successful in obtaining an order of injunction from a court of competent jurisdiction within 21 days from receiving notice from the complainant, the material will be made available for public view once again.

Before you submit a report of infringement, you may want to send a message to the person who posted the Content. You may be able to resolve the issue without contacting TC Global. Please remember, only the copyright/trademark owner or their authorized representative may file a report of infringement. If you believe something on the Site infringes someone else's copyright/trademark, you may want to let the rights owner know.

Notice

TC Global may give notice by means of a general notice on the Site / Service, notification within the mobile application on your account, electronic mail to your email address in your account, or by written communication sent to your address as set forth in your account. You may give notice to TC Global by written communication to TC Global's email address at hello@tcglobal.com or physical address at No. 3, Shenton Way, #10-05/06, Shenton House, Singapore, 068805.

General

You may not assign or transfer these Terms of Use in whole or in part without TC Global's prior written approval. You hereby give your approval to TC Global for it to assign or transfer these Terms in whole or in part, including to: (i) a subsidiary or affiliate; (ii) an acquirer of TC Global's equity, business or assets; or (iii) a successor by merger. No joint venture, partnership, employment or agency relationship exists between you, TC Global or any Third Party Provider as a result of the contract between you and TC Global or use of the Services.

If any provision of these Terms is held to be illegal, invalid or unenforceable, in whole or in part, under any law, such provision or part thereof shall to that extent be deemed not to form part of these Terms but the legality, validity and enforceability of the other provisions in these Terms shall not be affected. In that event, the parties shall replace the illegal, invalid or unenforceable provision or part thereof with a provision or part thereof that is legal, valid and enforceable and that has, to the greatest extent possible, a similar effect as the illegal, invalid or unenforceable provision or part thereof, given the contents and purpose of these Terms. These Terms constitute the entire agreement and understanding of the parties with respect to its subject matter and replaces and supersedes all prior or contemporaneous agreements or undertakings regarding such subject matter. In these Terms, the words "including" and "include" mean "including, but not limited to."

Miscellaneous

TC Global shall not be liable for any failure to perform its obligations hereunder where such failure results from any cause beyond TC Global's reasonable control, including, without limitation, mechanical, electronic or communications failure or degradation (including "line-noise" interference). These Terms of Use are personal to you, and are not assignable, transferable or sublicensable by you except with TC Global's prior written consent. TC Global may assign, transfer or delegate any of its rights and obligations hereunder without consent. No agency, partnership, joint venture, or employment relationship is created as a result of these Terms of Use and neither party has any authority of any kind to bind the other in any respect.

Unless otherwise specified in these Term of Use, all notices under these Terms of Use will be in writing and will be deemed to have been duly given when received, if personally delivered or sent by certified or registered mail, return receipt requested; when receipt is electronically confirmed, if transmitted by facsimile or e-mail; or the day after it is sent, if sent for next day delivery by recognized overnight delivery service.

I authorise TC Global & its representatives to contact me with updates and notifications via Email/SMS/What'sApp/Call. This will override DND/NDNC.

Contact

You may contact us at the following address:

The Chopras Global Holdings PTE Ltd

SBF Centre, 160 Robinson Road, #16-10, Singapore - 068914

Our grievance / nodal officer may be contacted at:

Zishan Siddiqui

Grievance Officer

The Chopras Global Holdings PTE Ltd

SBF Centre,

160 Robinson Road,

#16-10,

Singapore - 068914

Email: zishans@thechoprasglobal.com

Privileged and confidential

Privacy Policy | September 6, 2021

INTRODUCTION
1. The Chopras Global Holdings PTE Ltd. is an entity registered in Singapore. We are engaged in the business of providing a global education, learning, and investment services Site which caters to students, professionals, universities, corporates and governments. We are committed to ensuring that privacy of our clients, visitors, and other users of the website https://tcglobal.com, its subdomains, the web applications and mobile applications ("Site") is always respected. This Privacy Policy ("Policy") is to serve as a testament to our sincere efforts to uphold privacy laws. In this Policy, "TC Global", "we", or "us" refers to The Chopras Global Holdings PTE Ltd. and its affiliates and "you" refers to a user who has provided any information including Personal Information (as defined below) and using any features therein.
2. The protection and security of your Personal Information and Usage Information (as defined below) is one of our top priorities. This Privacy Policy discloses and explains how we collect, use, share and protect Personal Information, Usage Information or any other information about you. We also provide information regarding how you can access and update your Personal Information and make certain choices about how your Personal Information is used by us. This Privacy Policy does not apply to information we collect by other means (including offline) or from other sources.
3. This Privacy Policy explains what information of yours will be collected by TC Global when you access the Site, how the information will be used, and how you can control the collection, correction and/or deletion of information. We will not use or share your information with anyone except as described in this Privacy Policy. The use of information collected through our Site shall be limited to the purposes under this Privacy Policy.
INFORMATION COLLECTION BY TC GLOBAL
1. Data Controller and Data Processor:
  TC Global controls, collects, owns and directs the use of the Personal Information and Usage Information on its Site and TC Global is the data controller and data processor as regards the Personal Information and Usage Information collected on its Site. For any queries regarding this Privacy Policy and the collection and use of data collected or processed under this Privacy Policy, TC Global can be contacted by mail at The Chopras Global Holdings PTE Ltd, SBF Centre, 160 Robinson Road, #16-10, Singapore - 068914; by phone at +65 9825 6174 or by e-mail at hello@thechoprasglobal.com.
2. Legal basis for collection and processing of Personal/Usage Information:
  The legal basis for collection and processing of any information collected and processed by TC Global including the Personal Information is (i) your consent at the time of providing the Personal Information; (ii) where it is in our legitimate interests to do so and not overridden by your rights (for example, in some cases for direct marketing, fraud prevention, network and information systems security, responding to your communications, the operation of networks of groups by the network administrators, and improving our Site). In some cases, we may also have a legal obligation to collect information about you or may otherwise need the information to protect your vital interests or those of another person. We may also process information to comply with a legal requirement or to perform a contract.
3. Basic Information
  TC Global may ask you to provide certain categories of information such as personal information, which is information that coold reasonably be used to identify you personally, such as your name, gender, family details, address, e-mail address, nationality, details of your passport and other government ID, financial information, academic record / education history, date of birth, mobile number, travel history and medical records ("Personal Information"), when you access the Site, in order to provide you with the services requested.
  Additionally, we may collect this information through various forms and in various places through the Site, including when you first register with us, when you create a transaction, when you contact us, when you update your information or from time to time or when you otherwise interact with us. TC Global may include registration, surveys, and other online forums where users will need to provide Personal Information.
4. Additional Information
  1. Cookies: TC Global may use standard "cookie" browser application feature to collect and understand Site usability trends. Cookies are text files that we may place in your computer browser to store your preferences. Cookies are used to record various aspects of your visit and assist us in providing you with uninterrupted service. One of the primary purposes of cookies is to store your preferences and other information on your computer in order to save you time by eliminating the need to repeatedly enter the same information and to display your personalized content. Cookies are divided into "first party" and "third party":
    First party cookies are the cookies served by the owner of the domain. In our case, that's TC Global. Any cookie we place ourselves is a "first-party cookie."
    
    Third-party cookies are cookies placed on our domains by trusted partners that we've allowed to do so. These can be social media partners, advertising partners, security providers, and more. And they can be either "session cookies" or "permanent cookies":
    
    Session cookies only exist until you close your browser, ending what's called your "session." Then they're deleted.
    
    Permanent cookies have a range of lifespans and stay on your device after the browser is closed. On the Site, we try to only serve permanent cookies (or allow permanent cookies to be served by third parties) that have a limited lifespan. However, for security reasons or in other exceptional circumstances, sometimes we may need to give a cookie a longer lifespan.
    
    Web browser cookies may store info such as your IP address or other identifiers, your browser type, and info about the content you view and interact with on digital services. By storing this info, web browser cookies can remember your preferences and settings for online services and analyze how you use them.
    
    Along with cookies, we also use tracking technologies that are very similar. Our Site may contain small transparent image files or lines of code that record how you interact with them. These include "web beacons," "scripts," "tracking URLs," or "software development kits" (known as SDKs):
    
    Web beacons have a lot of different names. They might also be known as web bugs, tracking bugs, tags, web tags, page tags, tracking pixels, pixel tags, 1x1 GIFs, or clear GIFs. In short, these beacons are a tiny graphic image of just one pixel that can be delivered to your device as part of a web page request, in an app, an advertisement, or an HTML email message. They can be used to retrieve info from your device, such as your device type, operating system, IP address, and the time of your visit. They are also used to serve and read cookies in your browser or to trigger the placement of a cookie.
    
    Scripts are small computer programs embedded within our web pages that give those pages a wide variety of extra functionality. Scripts make it possible for the website to function properly. For example, scripts power certain security features and enable basic interactive features on our website. Scripts can also be used for analytical or advertising purposes. For example, a script can collect info about how you use our website, such as which pages you visit or what you search for.
    
    Tracking URLs are links with a unique identifier in them. These are used to track which website brought you to the Site. An example woold be if you clicked from a social media page, search engine, or one of our affiliate partners' websites.
    
    Software Development Kits (SDKs) are part of our apps' source code. Unlike browser cookies, SDK data is stored in the app storage. They're used to analyze how the apps are being used or to send personalized push notifications. To do this, they record unique identifiers associated with your device, like your device ID, IP address, in-app activity, and network location.
    
    All these tracking technologies are referred to as "cookies" here in this Cookie Statement.
    However, no Personal Information identifying the user is collected nor any data capture mechanisms are employed. The user may change browser settings to accept or reject cookies on personal preference. You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify the browser setting to decline cookies if you so prefer. If you choose to decline cookies, you may not be able to sign in or use other interactive features of the Site that may depend on cookies. If you choose to accept cookies, you also have the ability to later delete cookies that you have accepted. If you choose to delete cookies, any settings and preferences controlled by those cookies, including advertising preferences, will be deleted and may need to be recreated. We process and keep all data for our own use and, if you wish to opt-out from tracking by TC Global you can do so at hello@thechoprasglobal.com
  2. Information Collected Automatically: In addition to any Personal Information or other information that you choose to submit to us, we may use a variety of technologies that automatically (or passively) collect certain information whenever you access the Site ("Usage Information"). This Usage Information may include the browser that you are using, the URL that referred you to our Site, mobile device model (manufacturer), OS type (IOS/android), OS version, network carrier, IP address, mobile screen size, time zone of the user, browser details, among other information. Usage Information may be non-identifying or may be associated with you. Whenever we associate Usage Information with your Personal Information, we will treat it as Personal Information and the conditions relating to Personal Information under this Privacy Policy will be followed. Traffic data, while anonymous, is gathered and analysed for business needs.
  3. Information Third Parties Provide About You: We may, from time to time, supplement the information we collect about you through our Site with outside records from third parties obtained rightfolly in order to enhance our ability to serve you, to tailor our content to you and to offer you opportunities to use such of our Services that we believe may be of interest to you. We may combine the information we receive from such third party sources with information we collect through the Site or through independent research conducted by TC Global, with your consent. In these cases, we will apply this Privacy Policy to any Personal Information received, unless otherwise provided. We may process such information received from third parties for legitimate commercial purposes or to enter into contractual obligations with you or to folfil certain contractual obligations or where you have requested third parties to provide information about yourself to us.
5. Processing of Data:
  TC Global may also process any Personal Information or Usage Information collected from you for legitimate commercial purposes including to provide you with the requisite information requested. A list of uses of the Personal Information and Usage Information collected is provided at Section 3 of this Policy (Use of Information Collected).
  TC Global implements appropriate technical and organisational measures to ensure a level of security appropriate to the risk of our processing of information about individuals such as (i) only sharing and providing access to your information to the minimum extent necessary, subject to confidentiality restrictions where appropriate, and on an anonymised basis wherever possible; (ii) using secure servers to store your information; (iii) verifying the identity of any individual who requests access to information prior to granting them access to information; and (iv) using Secure Sockets Layer (SSL) software or other similar encryption technologies to encrypt any payment transactions you make on or via our Site.
6. Right of a user in relation to data submitted:
  Any user who has submitted Personal Information on the Site has the right to (i) access, correct, delete such Personal Information subject to us successfolly verifying your identity; (ii) object to us processing your Personal Information on legitimate grounds; (iii) to withdraw your consent to our use of your information at any time where we rely on your consent to use or process that information; (iv) opting out of receiving any promotional or marketing material by clicking on the "Unsubscribe" button or by sending an email to [hello@thechoprasglobal.com]. Please note that if you withdraw your consent, this will not affect the lawfolness of our use and processing of your information on the basis of your consent before the point in time when you withdraw your consent; (v) right to have the Personal Information transferred to another data controller; and (vi) lodge a complaint with a supervisory authority, in particolar in the jurisdiction of your habitual residence, place of work or of an alleged infringement of any applicable data protection laws. Any request received by us by the user in relation to the aforesaid shall be acknowledged by us within seventy-two (72) business hours.
USE OF INFORMATION COLLECTED
1. Business Purposes:
  TC Global does not share any Personal Information with any third party without your consent, except when directed by the law. TC Global can use this data to verify user identity in line with engagement initiated by the user. We will communicate with you using the contact information provided by you in order to respond to any queries that you may have and to provide any information that you may request regarding the services provided through the Site. We may communicate with you either by written, physical communication, email, telephone, SMS or via notifications on your mobile device. We may also send strictly service-related announcements to you periodically and when it is necessary to do so. For instance, if our services are temporarily suspended for maintenance, we might send you an email, text message, flash notification or telephone call. If you do not wish to receive such alerts, you have the option to unsubscribe from such emails or opt out by sending an email to hello@thechoprasglobal.com.
  
  We may use Personal Information or Usage Information collected through the Site in the following ways:
  - to operate and improve our Site and tools associated with the Site;
  - to create aggregated and anonymized information to determine which Site features are most popolar and usefol to users, and for other statistical analyses;
  - to prevent, discover and investigate violations of this Privacy Policy or the Terms of Use of the Site, and to investigate fraud or other matters;
  - To customize the content or the services on the Site for you, or the communications sent to you through the Site.
  - To help provide you the services accessible through the Site, which may include liaising and providing information to visa/customs/immigration offices of various countries and admissions offices of universities situated across the globe;
  - To observe, improve and administer the quality of services on the Site;
  - To analyze how the Site is used, diagnose technical problems;
  - Remember the basic information provided by you for effective access;
  - To confirm your identity in order to determine your eligibility to use the Site and avail our services;
  - To notify you about any changes to the Site;
  - To enable TC Global to comply with its legal and regolatory obligations;
  - For the purpose of sending administrative notices, service-related alerts and other similar communication with a view to optimizing the efficiency of the Site;
  - Doing market research, troubleshooting, protection against error, project planning, fraud and other criminal activity; and
  - To enforce TC Global's Terms of Use.
  - Marketing activities: We use your information for marketing activities. These activities include:
    1. Using your contact info to send you regolar news about relevant products and services. You can unsubscribe from email marketing communications quickly, easily, and anytime. All you need to do is click the "Unsubscribe" link included in each newsletter or other communication.
    2. Based on your info, individualized offers might be shown to you on the Site, on mobile apps, or on third-party websites/apps (including social media sites), and the content of the site displayed to you might be personalized. These coold be offers that you can book directly on the Site, on co-branded sites, or other third-party offers or products we think you might find interesting.
    3. When you participate in other promotional activities (e.g. sweepstakes, referral programs, or competitions), relevant info will be used to administer these promotions.
2. Anonymous:
  We may share non-Personal Information, such as aggregated user statistics and log data, with our business partners for industry analysis, demographic profiling, to deliver targeted advertising about other products or services, or for other business purposes. This information is solely used to analyze company Site and understand usage statistics, as mentioned above, is anonymous. The company may share this data with its business partners on anonymous basis. We do not sell, share, rent or trade the information we have collected about you, including Personal Information, other than as disclosed within this Privacy Policy or at the time you provide your information. We do not share your Personal Information with third parties for those third parties' direct marketing purposes unless you consent to such sharing at the time you provide your Personal Information.
3. Administrative and Legal Reasons:
  We cooperate with government and law enforcement officials and private parties to enforce and comply with the law. Thus, we may access, use, store, transfer and disclose your information (including Personal Information), including disclosure to third parties such as government or law enforcement officials or private parties as we reasonably determine is necessary and appropriate: (i) to satisfy any applicable law, regolation, governmental requests or legal process; (ii) to protect the safety, rights, property or security of TC Global, our services, the Site or any third party; (iii) to protect the safety of the public for any reason; (iv) to detect, prevent or otherwise address fraud, security or technical issues; and /or (v) to prevent or stop any activity we consider to be, or to pose a risk of being, an illegal, unethical, or legally actionable activity. Such disclosures may be carried out without notice to you.
4. Business Transfer:
  We may share your information, including your Personal Information and Usage Information with our parent, subsidiaries and affiliates for internal reasons. We also reserve the right to disclose and transfer all such information: (i) to a subsequent owner, co-owner or operator of the Site or applicable database; or (ii) in connection with a corporate merger, consolidation, restructuring, the sale of substantially all of our membership interests and/or assets or other corporate change, including, during the course of any due diligence process. You will be notified via email and/or a prominent notice on our Site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information. We will endeavor that the transferee who is the recipient of Personal Information and Usage Information commits to privacy measures which are substantially similar to the measures under this privacy policy.
THIRD PARTY CONTENT AND LINKS TO THIRD PARTY SERVICES
We do not include or offer third party products or services on our Site.
DATA TRANSFER
Your information may be stored and processed in Singapore or any other country in which TC Global or its subsidiaries, affiliates or service providers maintain facilities. TC Global may transfer information that we collect about you, including Personal Information, to affiliated entities, or to other third parties across borders and from your country or jurisdiction to other countries or jurisdictions around the world. These countries may have data protection laws that are different to the laws of your country and, in some cases, may not be as protective. We have taken appropriate safeguards to require that your information will remain protected in accordance with this Privacy Policy by entering into requisite agreements with the concerned transferees.
DATA RETENTION
Your information will be retained with TC Global as long as it is needed by TC Global to provide services to you. If you wish to cancel your account or request that TC Global no longer uses your information to provide services, you may contact TC Global at hello@tcglobal.com.. TC Global will promptly delete the information as requested. TC Global will retain and use your information as necessary to comply with its legal obligations, resolve disputes, and enforce its agreements or for other business purposes. When TC Global has no ongoing legitimate business need to process your information, we will either delete or anonymize it.
CONTACT & POLICY UPDATES
In case on any queries on this privacy policy, please contact us at hello@thechoprasglobal.com. TC Global reserves the right to update or modify any part of this policy or make any changes without prior notice to the user. The user is advised to check this page periodically to stay abreast of any policy changes by us.
CHANGE OF INFORMATION AND CANCELLATION OF ACCOUNT
You are responsible for maintaining the accuracy of the information you submit to us, such as your contact information provided as part of account registration. If your Personal Information changes, or if you no longer desire to access the Site, you may correct, delete inaccuracies, or amend information by contacting us through hello@tcglobal.com and we will respond within 72 hours of receipt of communication.
You have the right to request that we rectify or delete the personal data or restrict the processing of your personal data, if you think they are inaccurate. Furthermore, you have the right to object against the processing based on our legitimate interests as a legal basis. We are required to assess and act on your request. Additionally, you also have the right to data portability if it shoold become relevant. You have a right to lodge a complaint with your local supervisory authority.
[You may also cancel or modify your communications that you have elected to receive from the Site by logging into your user account and changing your communication preferences.
If you wish to cancel your account or request that we no longer use your information to provide you details with respect to our services and the Site, please write to us at hello@tcglobal.com.
OPT-OUT
If you wish to opt out of receiving non-essential communications such as promotional and marketing-related information regarding the Site and our services, please send TC Global an email at hello@tcglobal.com.
CHANGES TO THE PRIVACY POLICY
From time to time, we may update this Privacy Policy to reflect changes to our information practices. Any changes will be effective immediately upon the posting of the revised Privacy Policy on the Site. If we make any material changes, we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on the Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.
GRIEVANCE REDRESSAL
If you have any questions or concerns about this Privacy Policy, please feel free to contact us by writing to us at hello@thechoprasglobal.com or using the details provided on our 'Contact Us' page. We will use reasonable efforts to respond promptly to requests, questions or concerns you may have regarding our use of personal information about you. Except where required by law, TC Global cannot ensure a response to questions or comments regarding topics unrelated to this policy or Company's privacy practices.
CONSENT
By consenting to the terms under this Privacy Policy, you are expressly granting TC Global the right to collect, share, transfer, store, retain, disseminate or use the Personal Information/Usage Information collected by TC Global from your usage of the Site in accordance with the terms of the Privacy Policy. You may, at any time, withdraw consent for the collection or processing of Personal Information/Usage Information by sending an email to hello@tcglobal.com. TC Global, shall within 72 hours delete or anonymize the data collected from you.
When you voluntarily send us electronic mail / fillup the form, we will keep a record of this information so that we can respond to you. We only collect information from you when you register on our site or fill out a form. Also, when filling out a form on our site, you may be asked to enter your: name, e-mail address or phone number. You may, however, visit our site anonymously. In case you have submitted your personal information and contact details, we reserve the rights to Call, SMS, Email or WhatsApp about our products and offers, even if your number has DND activated on it.
CONTACT US
If you have any questions about this Privacy Policy, please contact us:
By email: hello@thechoprasglobal.com

In the event of any grievances, user can contact the grievance officer at zishans@thechoprasglobal.com or write to us at the following address:

Zishan Siddiqui

Grievance Officer

The Chopras Global Holdings PTE Ltd

SBF Centre,

160 Robinson Road,

#16-10,

Singapore - 068914

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