10 Best Medical Colleges in Canada for International Students in 2024

Global Ed

There’s a good reason to think about medical colleges in Canada, if you are thinking of medicine as a profession. According to a report published by the Royal Bank of Canada on their healthcare industry. Canada will be short of about 44,000 physicians by 2028, with the primary area of the deficit being that of family doctors. Keeping in mind the increase in population, burnout in the medical field and retirement age, medical colleges in Canada need to train another 30,000 physicians to maintain the average number of doctors per population.

This turns the spotlight and the responsibility onto the medical colleges in Canada for bridging this gap. Does it make Canada more welcoming of international students wanting to pursue medicine? Yes it does. Does it make the course any less competitive and watered down? It does not – it’s not any less than Australia or colleges in London for medicine.

So, if you are considering pursuing your medical dreams abroad, (maybe even chasing down fantasies of Grey’s Anatomy) this article is meant for you. In this article, we will be looking at

Why choose Canadian medical universities as an international student?
What are the best medical universities in Canada for international students?
How to apply to Medical Universities in Canada with no Stress?

Why choose Canadian medical universities as an international student?

For an Indian student, Canada is often the preferred study destination because of its quality education, affordable education system, relatively easier immigration policies, post study work options and also the welcoming nature of the country towards immigrants. These features alone are sufficient for students to choose Canada over other destinations, even though there are great mbbs colleges in Australia, Canada and the UK, with some popular courses not only in medicine but also in nursing. That said, why should you choose Canada as a prospective medical student? Let’s take a look.

How is a Canadian medical degree different?

What we commonly refer to as MBBS is called an MD in Canada. This is a distinction that you have to be clear with. An MD in Canada is the first step towards being a doctor. Any specialization or super-specialization comes after.

The second biggest difference is that you cannot apply for this course right after high school. Medical schools in Canada expect you to have a bachelor of science in, biology, biochemistry, psychology or health before you can apply for an MD(Doctor of Medicine) program. This is what is colloquially referred to as pre-med.

To practise medicine in Canada, you must be licensed by the Medical Council of Canada (MCC). Medical graduates must take the MCC Qualifying Examination (MCCQE) Part I, Canada’s national standardized exam. It assesses candidates at a level expected of a student about to graduate with a medical degree in Canada. While the specific requirements for licensure vary among provinces, you can apply to the Licentiate of the Medical Council of Canada (LMCC) after the required postgraduate training. You will also need to apply to the Medical Regulatory Authority (MRA) of your province in order to practise medicine.

Extensive research and training:

The MD course in itself can last anywhere between 3-5 years, followed by a residency of 2-5 years, depending on your specialization. The emphasis of these courses are not only on health and treatment but also on research and development to put medicine in Canada in one of the top spots in the world. To give you some examples, the discovery of Insulin, the invention of the cardiac pacemaker and the introduction of telemedicine to reach remote communities can all be traced back to medicine schools in Canada.

Equal Opportunities:

Canada is the first country to adopt multiculturalism as one of its official policies. Discrimination based on race, colour, gender or sexuality is not as common an occurrence here, as in other countries. As an Indian student or any an international student, you get the same opportunities as a citizen or a permanent resident.

Higher standards:

As a medical professional, you will be quite directly responsible for the health and well-being of other human beings. This is a responsibility that Canadian medical universities take extremely seriously. You are held to extremely high standards, from your pre-med scores, your MCAT, all the way till the final qualifying exam administered by the MCC (Medical Council of Canada). This is not only true in the case of academics but also in terms of patient sensitivity and the treatment of people from different walks of life.

Job Satisfaction:

Canada has a decentralized, universal, publicly funded health system called Canadian Medicare. It is funded and administered by the provinces. It is a system designed for the welfare of its people. For those of you looking to enter this field as a vocation, Canada offers high rates of job satisfaction.

Note: If you’d rather study medicine in the UK, that’s also a good option as the country is home to some top medical colleges in the world.

Disclaimer: This video reflects details and rankings from 2023

What are the best medical universities in Canada for international students?

With its international standards and global recognition, Canada MBBS colleges are highly competitive. Out of the 17 medical universities (10 of which are listed here), only 5 of them can even be categorized as medical schools in Canada for international students. The rest of them restrict their admissions to citizens, permanent residents and refugees. Even those who admit international students have very few seats allocated to them.

Why do they do this, if there is a shortage of doctors?

The answer is simple. Demand and quality. The universities do not want to water down the quality of education by simply expanding admissions. Besides, almost all of these courses are supported by the respective provincial governments. Hence they prioritize their citizens and PRs over Indian students or any other international students. That said, let’s take a look.

S.NO	UNIVERSITY	GLOBAL RANK	DURATION OF MD/ MBBS	FEES
1	University of Toronto	10	4 years	CA $94,451
2	McGill University	22	4 years	CA $59,046
3	McMaster University	37	3 years	CA $96,000
4	Queen’s University	151-200	4 years	CA $92,886
5	University of Sherbrooke	401-450	4 years	CA $14,000 – CA $18,000
6	University of British Columbia	27	4 years	CA $19,601
7	University of Calgary*	83	3 years	CA $80,125
8	University of Alberta	90	4 years	CA $14,754
9	University of Ottawa	111	4 years	About CA $9,000
10	Memorial University of Newfoundland	501-550	4 years	CA $30,000

Note: Universities 6-10 do not allow MD applications for international students. Only citizens or PRs are allowed to apply.The University of Calgary however has limited seats for international students who come from institutions or countries that have formal, contractual agreements with the Cumming School of Medicine of UCal.

Before we delve deeply into the universities and the medical courses they offer, let us clarify one more thing. For students from India, admission into a medical college is synonymous with NEET. However when applying to Canadian universities, your MCAT scores take precedence over NEET. While some universities might consider your NEET score as an additional criteria, MCAT is what is mandatory to study medicine in Canada.

1. University of Toronto

Source: UoT

Did you know that Sir Frederick G Banting, Charles H Best and JJR Macleod discovered insulin at the University of Toronto in 1921? Or that the cardiac pacemaker was invented in the “Banting Institute” of the UoT three decades later? That is the kind of reputation this university holds.

Why is it good to study here?

Ranked 15 in the world by QS Rankings in the field of medicine, the Temerty Faculty of Medicine at the University of Toronto is at the center of North America’s largest biomedical research and education networks. This medical school prides itself on an evidence-based learning approach and exposure to all major areas of medicine. Located in Toronto’s historic St. George campus and the more modern Mississauga campus, this school works in tandem with world renowned hospitals in the Greater Toronto Area.

Fees and Scholarship Options

The total fee for the first year comes up to CA $94,451 in the St George campus. However, the Temerty Faculty of Medicine does offer merit-based scholarships meant exclusively for MD students. They usually do not need a separate application. Some of these are offered in the pre-admission stage while some are given during the course of the program. Read more about these scholarships here.

Eligibility and Duration

Completion of a non-medical bachelor’s degree equivalent to a four-year bachelor’s degree in Canada with WES transcript assessment (This should include two full course equivalents in life sciences and one in a social science, humanities or language)
Minimum GPA of 3.6
MCAT: Threshold score of 125 in each section, with an allowance of 124 in one section.
Minimum IELTS score of 7 or TOEFL iBT score of 100 as proof of English proficiency.

The duration of the MD (MBBS) program is 4 years.

Courses Offered and Admission Process

The courses offered by the faculty of medicine are

MD
MD/PhD
Postgraduate Medical Education (specialized training in any of the fields)
Medical Radiation Sciences
Physician Assistant Degree Program
Physical Therapy
Occupational Sciences and Occupational Therapy
Speech-Language Pathology
Rehabilitation Sciences Institute

How to apply?

Review the requirements
Apply online through the Ontario Medical School Application Service (OMSAS). The deadline is typically in the first week of October.
Read the OMSAS verification report to ensure that your application is complete.

2. McGill University

Source: McGill University

Canada’s oldest medical school, McGill University is located in Montreal. With a student population of 39,267, it is one of the most reputed universities in Canada, which hosts 31.8% of international students from over 150 countries.

Why is it good to study here?

Ranked 22 in the world by QS Rankings for medicine, the Faculty of Medicine and Health Sciences is world-renowned for its biomedical research. Its location in Montreal also guarantees maximum networking opportunities on an international scale. McGill’s affiliated teaching hospitals allow students to work within four hospitals, including the McGill University Health Centre (MUHC), one of the most comprehensive university health centers in North America.

Fees and Scholarship Options

The first-year fee comes up to CA $63,400. It is almost CA $10,000 less for the subsequent three years.

McGill offers both entrance scholarships and in-course scholarships for its full-time students.

Eligibility and Duration

120 credit/ 4-year bachelor’s degree
MCAT Score (international applicants who completed a bachelor’s degree in Canada are not required to submit an MCAT score)
CASPer test score (Casper is an individual online test that assesses for non-academic competencies such as professionalism, communication, collaboration, ethics and empathy)
TOEFL(100 or higher) / IELTS (6.5 or higher) / PTE (65 or higher) / Cambridge English scores (C2 – grade C or better).
Letters of Recommendation, a Statement of Purpose and a CV

The MDCM (MBBS equivalent) is a 4-year program.

Courses Offered and Admission Process

Under the Faculty of Medicine and Health Sciences, there is the School of Medicine, the Ingram School of Nursing, the School of Physical and Occupational Therapy, the School of Communication Sciences and Disorders, and the School of Biomedical Sciences which offer hundreds of courses. You can access the entire list here.

The application deadline is typically on the 1st of November and the interviews, if shortlisted, are scheduled by the end of February.

3. McMaster University

Source: Britannica

The School of Medicine, established in 1965 and renamed the Michael G. DeGroote School of Medicine in 2004, offers major programs in undergraduate, postgraduate, and graduate medical education.

Why is it good to study here?

Ranked 40th in the world by QS rankings for medical studies, McMaster University is one of the top medical colleges in Canada located in Hamilton Ontario. This Canadian university department of medicine enjoys a 100% employment rate within 12 months of graduation. They have a COMPASS curriculum which is built around a tutorial system like those of Oxford and Cambridge Universities. Located in Hamilton, Ontario, the university is also connected to all the major health centers in the Hamilton area.

Fees and Scholarship Options

The first-year fee is around CA $96,000. The university also has a host of scholarships for international students. They are awarded based on need and merit. You can access the entire list here.

Eligibility and Duration

4-year undergraduate degree
GPA of 3.0 on a 4.0 OMSAS scale
MCAT with a minimum score of 123 on the Critical Analysis and Reasoning component is required.
Casper test
A minimum score of 6.5 on IELTS or 86 on TOEFL or 70 on CAEL.

The duration of the undergraduate medical education program is 3 years.

Courses Offered and Admission Process

Besides MD, the university offers 9 different bachelors programs and numerous graduate and doctoral programs.
Once your application is shortlisted, you will be invited for multiple rounds of interviews to determine your admission status.

4. Queen’s University at Kingston

Source: Queen’s University

Located in Kingston, Ontario, the School of Medicine at Queen’s University was set up about 150 years ago.

Why is it good to study here?

Queen’s University provides opportunities for close interactions between students and faculty and extensive hands-on training under close supervision. The university is ranked within the 151-200 range worldwide by QS rankings for medicine. The curriculum is particularly known for its integration of clinical and basic sciences that will help you in your path toward practice or research.

Fees and Scholarship Options

The annual tuition fee for an Indian student is CA $95,219. However, the School of Medicine has a separate set of scholarships, besides the ones given by the university as a whole. You can access the entire list of scholarships here

Eligibility and Duration

strong academic record (3.0 GPA on a 4.0 OMSAS scale)
MCAT
Casper
Components of the application such as Autobiographical Sketch and Confidential Assessment Forms
Assessment of personal characteristics considered to be the most appropriate for studying medicine at Queen’s University and the subsequent practice of medicine.
Minimum TOEFL iBT score of 100

The MD program is 4-years long.

Courses Offered and Admission Process

MD Program
Postgraduate Medical Education
Biomedical & Molecular Sciences – M.Sc., PhD
Combined MD/Ph.D. and MD/Master’s Programs
Public Health Sciences
Graduate Diploma and Professional Master in Medical Sciences
Neuroscience – M.Sc., PhD
Pathology & Molecular Medicine – M.Sc., PhD
All applications are made through Ontario Medical Schools’ Application Service (OMSAS).

5. University of Sherbrooke

Source: UdeS

Located in the Quebec Province, the University of Sherbrooke was founded in 1954. The UdeS Medical School was set up in 1966. It is a French-speaking institution that is recognized worldwide.

Why is it good to study here?

Ranked in the 452-500 range by QS Global rankings for Medicine, the university is known for its cutting-edge technology and hardcore approach to research. Every year, about 1,600 international students join the campus. You must note that the Faculty of Medicine teaches in French which means you should already have a working knowledge of French to even consider applying. But, it also means that it opens up numerous opportunities, especially if you are a service-minded vocation such as Doctors without Borders.

Fees

The average tuition fee is around CA $44,500 per year. The university does not provide scholarships, but you can apply for those awarded by the government of Quebec or even your home country.

Eligibility and Duration

The eligibility criteria is as follows:

Equivalent to a three-year CEGEP degree offered by the Quebec Ministry of Education or completing 2 years of a four-year’s bachelor’s degree in relevant subjects such as life sciences.
Proof of French Language proficiency
CASPer exam in French

It is a four-year MD program.

Courses Offered and Admission Process

The university offers both undergraduate and postgraduate medical courses. The deadline for the MD program is November 1st.

6. University of British Columbia

Source: UBC

Located in Vancouver, the University of British Columbia or UBC for short has a stellar reputation and one of the most gorgeous campuses in the country.

Why is it good to study here?

The MD program at UBC is a well-balanced, structured course, divided proportionally to teach innovation, technology, and patient-centered care. It has a distributed medical program: the Island Medical Program (IMP), Northern Medical Program (NMP), Vancouver Fraser Medical Program (VFMP), and Southern Medical Program (SMP). It allows the students to gain more individualized attention from the faculty.

Fees and Scholarship Options

The first-year tuition fee is CA $23,843. However, only citizens or PRs can apply. You can check the scholarship opportunities here.

Eligibility and Duration

Must have completed a minimum of 90 university-transferable credits as part of a bachelor’s degree.
MCAT with a minimum score of 124 in each section.
Must be a citizen or a permanent resident of British Columbia

The MD program is 4-years long.

Courses Offered and Admission Process

The university offers both an MD and an integrated MD/Ph.D. The MD application deadline is typically in the first week of October.

7. University of Calgary

Source: UCalgary

Located in the town of Calgary in Alberta province, UCalgary is one the top universities in Canada for multiple disciplines. It is also one of the more affordable institutions for international students in Canada.

Why is it good to study here?

Ranked 83rd globally by QS Rankings for Medicine, The Cumming School of Medicine at UCalgary takes on a practical approach to medicine from day one. As an MD student, you will be given the opportunity to interact with patients within the first few weeks of joining the program. It is also a three-year intensive program which means you jump into the field or chart out your higher education path sooner. The medical school acceptance rate is around 7.8% which is extremely competitive, but much higher than the other schools.

Fees and Scholarship Options

The tuition fee is CA $63,340 per year. Besides the international entrance scholarships, the Cumming School of Medicine offers CSM scholarships and “Pathways to Medicine” scholarships for international students.

Eligibility and Duration

Seats for international students are currently limited to students from institutions or countries that have formal, contractual agreements with the Cumming School of Medicine. You are eligible for application if you are a permanent resident in the province of Alberta.
A minimum of two full-time years of a bachelor’s degree with a minimum GPA of 3.8
MCAT with a minimum of 127 on the CARS section for out-of-province applicants

The MD program duration is three years.

Courses Offered and Admission Process

Besides the MD program, the Cumming School of Medicine also offers a Bachelor of Community Rehabilitation, Bachelor of Health Sciences, Graduate Science Education, and Postgraduate medical education.

Applications for the MD program are done online at ucan.ucalgary.ca. The deadline for receipt by the Office of MD Admissions of the online application, all official transcripts, official MCAT scores, three letters of reference, and the application fee of CA $150 is October 1.

8. University of Alberta

Source: Wikipedia

Did you know that the world’s first antiviral for hepatitis B was discovered here?
Located in Edmonton, Alberta, the Faculty of Medicine and Dentistry was set up in 1913. It is one of the oldest medical schools in Western Canada.

Why is it good to study here?

Ranked 92 globally for medicine, the MD program at UAlberta is designed in an efficient combination of theory and practice. Problem-based learning and small group-based case studies are efficient pedagogical tools utilized here to make medical learning more accessible. As part of the largest teaching hospital in Western Canada, it offers more than 50 residency programs, including Family Medicine, General Surgery, Internal Medicine, Pediatrics, Neurology, and Cardiology.

Fees and Scholarship Options

The annual tuition fee for the MD program is CA $15,565. However, you must be a citizen or a permanent resident to apply.

Eligibility and Duration

Must be a Canadian citizen or a PR.
Minimum 2 years of transferable undergraduate coursework with a minimum GPA of 3.5
MCAT with a minimum score of 124 in all categories is required for Alberta residents; for Non-Alberta residents applicants must have a 128 in CARS and 124 in CPBS, BBFL, and PSBB.

It is a four-year program.

Courses Offered and Admission Process

MD(MBBS) Programs
Dentistry
Dental Hygiene
Medical Laboratory Science
BSc Radiation Therapy
Graduate Studies
Postgraduate Medical Education
Programs for International Trainees
Arts & Humanities in Health & Medicine

9. University of Ottawa

Source: UOttawa

Located in the capital city of Canada, the University of Ottawa is one of the top faculties in the world for research impact in biomedical and health sciences.

Why is it good to study here?

One of the top ten medical schools in Canada, UOttawa offers undergraduate and postgraduate medical education and specialized undergraduate degree in translational and molecular medicine. It is the first and the largest bilingual medical faculty in Canada. The school of medicine generates about $130-140 million per year in research funding. It is also a part of a vast network of health practitioners, policymakers and leaders with national and international influence, including national agencies such as Health Canada, the Canadian Institutes of Health Research and the National Research Council.

Fees and Scholarship Options

The average tuition fee comes up to CA $19,566 per year. Since it is funded by the state and is extremely affordable, applications are open only to citizens or permanent residents.

Eligibility and Duration

Candidates are expected to have completed at least two years of study or equivalent in a B. Sc in a relevant discipline such as biochemistry, biomedical sciences, chemistry, biopharmaceutical sciences, or biology with a minimum CGPA of 7.7 out of 10.

The undergraduate medical education degree lasts 4 calendar years.

Courses Offered and Admission Process

Undergraduate Medical Education
Postgraduate Medical Education
Graduate and Postdoctoral Studies
MD/Ph.D. Program
Translational and Molecular Medicine
PharmD

Besides maintaining the academic requirement, a student applying for MD must also undertake the Casper test.

10. 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. The Faculty of Medicine was set up in 1967.

Why is it good to study here?

Ranked in the 551-600 range by QS World rankings for medicine, this medical college in Canada is accredited by the Committee on Accreditation of Canadian Medical Schools (CACMS) of the Association of Faculties of Medicine of Canada (AFMC) and the Liaison Committee on Medical Education (LCME) of the Association of American Medical Colleges (AAMC). The school provides a personalized learning environment with only about 600 students in the Faculty of Medicine.

Fees and Scholarship Options

The annual tuition fee is CA $30,000.
The following are some of the scholarship options available. You can access the entire list here.

Dr. Brian Gerard Adams Memorial Bursary Fund
Dr. Lynette Adams Memorial Bursary
Alcohol and Drug Dependency Commission Commemorative Awards
Dr. David Almond and Dr. Dennis Morgan (Class of 1980) Memorial Bursary
Award in Psychiatry
Dr. Andrew Bagby and Son Zachary Andrew Memorial Bursary
Bartellas Family Award for Innovation in Medicine
Erika Bartlett Memorial Bursary

Eligibility and Duration

A bachelor’s degree in any discipline from an accredited post-secondary institution,
successful completion of the Medical College Admission Test (MCAT),
and the Casper exam
All applicants must be Canadian citizens or permanent residents

The MD program is 4 years long.

Courses Offered and Admission Process

Besides MD, the university offers 19 different postgraduate training programs that you can apply to after completion of the MD.

Note: The Schulich School of Medicine and Dentistry, Western University, Canada has an international pathway program that offers three seats to international students.for the Doctor of Dental Surgery (DDS) Program. Read more about it here.

How to apply to Medical Universities in Canada with no Stress?

As you can see, the competition is quite tough to get into the best medical colleges in Canada. As you are preparing for the move, The easiest way to reduce your stress is to sign up with TC Global.

We simplify international education, learning, and mobility through connecting students, universities, and a global community on a single platform where there are over 1000+ education providers and over 80,000+ courses.

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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.

Let’s shape your future together.

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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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