Canada vs Germany: Which is Better for Indian Students in 2024?

Global Ed

If you are looking to choose between Canada vs Germany for studying abroad, then you need to do a deep dive into the pros and cons of both, on a variety of factors – from costs and kind of education to campus life and post study work scenario. The decision to choose between Canada and Germany will depend on what’s right for you – not only for academic aspirations but also for future professional trajectories and personal development.

Over the past year, the Indian student population in Germany has surged by 26%, reaching a total of 42,997 during the Winter Semester 2022-23. Indians represent the largest group of international students at German universities, with the majority pursuing degrees in Engineering (60%), followed by Law, Management, and Social Studies (22%), Mathematics, and Natural Sciences (14%), and other fields (4%).

Similarly, in 2022, Canada achieved a remarkable immigration milestone, welcoming 551,405 international students from 184 nations. Notably, India was a key contributor, with 226,450 Indian students selecting Canada as their preferred destination for higher education.

Let’s explore factors such as the quality of education, immigration policies, cost of living, and more to gain valuable insights and make an informed decision.

Table of Contents

What are the advantages and disadvantages of studying in each country?
How is campus life in each country?
What are the career opportunities in Canada vs. Germany?
Cost of living: Which country is better?
Courses and study duration
Conclusion

What are the advantages and disadvantages of studying in each country?

	Germany	Canada	Your choice depends on
Quality of Education	Ranked 3rd in the world. (World Population Review data)	Ranked 4th in the world (World Population Review data)	Both Germany and Canada offer world-class education with a wide range of programmes and research opportunities, ensuring students receive an exceptional quality of education.
Flexibility	Has double degree programmes Students can enroll in two part-time programmes or combine full-time and part-time studies. Students can personalize their education, aligning it with their career goals.	Students can customize their curriculum Have options for part-time and full-time study.	Both countries provide flexible options to students.
Duration	Bachelor’s degree: 3 to 4 years Master’s degree: 1 to 2 years PhD programmes: 5 to 6 years.	Bachelor’s degree: 3 to 4 years Master’s degree: 1 to2 years PhD programmes: 3 to 6 years.	Both Germany and Canada typically have similar durations for bachelor’s and master’s programmes. However, Canada often offers shorter PhD programmes – can be a benefit if students are looking for a finishing the doctoral degree faster.
Average Tuition Fees	No Tuition fees for undergraduate, postgraduate and doctoral students. Students usually pay a modest semester contribution from €100 to €350 (US $108 to US $380). Federal State of Baden-Württemberg charges non-EU citizens €1,500 (US $1637) per semester.	Bachelor’s degree: CAD $36,100 (US $26,817.28) Master’s degree: CAD $21,100 (US $15,582) PhD programmes: CAD $6,000 (US $4416) to $20,000 (US $ 14,721)	Germany’s free tuition offers a distinct advantage over Canada
Work Regulations	International students can work part-time for 20 hours, with a minimum wage of €12.00 (US $13) per hour since October 2022. After graduation, international students can apply for an 18-month residence permit to seek employment in Germany.	International students in Canada can work 20 hours per week during term and full-time during breaks. The Post-Graduation Work Permit (PGWP) enables up to three years of post-graduate work.	Canada’s Post-Graduation Work Permit (PGWP) offering up to three years of post-graduate work is notably advantageous compared to Germany’s post-study work options.
Campus Life	Ranks 7th in the world in terms of quality of life.	Ranks 3rd in the world in terms of quality of life	Both countries have a multicultural and welcoming campus life. If you want an English-speaking nation, then Canada is your choice
Cost of Living	About EUR €11,208 (USD $12,181) annually.	About CAD $15260.38 (US $11,220) per year on average per year Effective January 1, 2024, the financial requirement for international students applying for study permits will increase to $20,635.	Canada’s affordable cost of living is an important factor to consider for international students. However, the revised financial requirements may prove to be a burden for many applicants making Germany a better choice overall.
Safety	According to World Population Review, Germany has a crime rate index score of 35.79	According to the World Population Review, Canada holds a crime rate index score of 41.89.	Overall, Germany is safer as compared to Canada
Weather	Experiences diverse weather – warm summers and cold winters	Experiences varying climates – extremely cold winters in some regions. The weather can be challenging for those unaccustomed to colder temperatures.	Canada’s range from temperate to subarctic conditions can pose notable challenges for international students, especially those from warmer climates, during their academic journey.

Studying abroad is a transformative experience, and Germany as well as Canada, are educational powerhouses offering unique advantages and distinct challenges. Germany, renowned for its academic excellence, provides affordable education, diverse programmes, and generous post-study work opportunities.

Meanwhile, Canada boasts multiculturalism, high-quality institutions, and a welcoming environment.
However, alongside these advantages come certain disadvantages. Germany’s complex bureaucracy and language barrier can be daunting, while Canada’s higher cost of living may pose financial constraints.

Here’s a look at the advantages and disadvantages of studying in Germany and Canada.

Canada

Canada has streamlined immigration procedures, student-centric policies and robust employment opportunities cementing its status as a coveted destination for top-tier education.

In 2022, the Ministry of Immigration, Refugees, and Citizenship lifted the 20-hour-per-week work restriction for post-secondary students, expanding financial support avenues. Canada’s steadfast commitment to welcoming immigrants, equivalent to 1% of its population, underscores its inclusive values.

Canada has recently announced updates to three temporary policies for international students:

The 20-hour-per-week off-campus work limit waiver, which allows international students to work more than 20 hours per week during the school year, is extended until April 30, 2024. The government is also considering increasing this limit to 30 hours per week.
The policy allowing students to count online study time toward their post-graduation work permit will continue until September 1, 2024, for those who begin their program before that date. This measure won’t apply to students starting after that date.
A temporary policy granting an 18-month work permit extension to post-graduation work permit holders expiring by December 31, 2023, remains in effect. However, it won’t be extended beyond this date.

Aspiring students must navigate certain considerations. The choice of city significantly influences living costs; while dynamic metropolises like Toronto and Vancouver offer vibrant lifestyles, they come with higher expenses, necessitating prudent financial planning.

Moreover, Canada’s vast geographical diversity leads to a wide range of climates. Summers in some regions can see temperatures as high as 25 to 30°C, providing a warm and pleasant experience. In contrast, the winters in certain areas can bring frigid lows of -25°C or lower. Students should be prepared for these climate variations when choosing their study destination and packing for their Canadian adventure.

As of 2023, Statistics Canada reports the following costs for higher education:

Undergraduate degree: Approximately CAD $36,100 (US $26,817.28) on average.
Postgraduate degree: Generally starts at CAD $21,100 (US $15,582) for international students in graduate programmes.
Doctoral degrees: Range from CAD $6,000 (US $4,416) to CAD $20,000 (US $14,721).

Considering an average annual living expense of CAD $15,000 (US $11,220.60) is vital for effective budgeting while pursuing education in Canada (Universities Canada, 2019). Additionally, starting January 1, 2024, the cost-of-living financial requirement for study permit applicants in Canada will increase.

It will be annually adjusted based on Statistics Canada’s low-income cut-off (LICO) to ensure that international students are financially prepared for life in Canada. Previously unchanged since the early 2000s at $10,000, the new requirement for 2024 will be $20,635, alongside first-year tuition and travel costs, for single applicants. This change applies to new study permit applications from January 1, 2024.

Germany

Germany is home to a large international student community, with over 400,000 international students as of 2021/2022. According to the BintHo study, Germany is the first choice for more than three-quarters of international students surveyed (76%).

Students choose Germany primarily for its specific course content, the reputation of its institutions, the absence of cost of studying, and the availability of English-language programmes.

Germany has a rich tradition of scientific and research excellence. It boasts the oldest university in Heidelberg, founded in 1386, and has produced over 80 Nobel Prize winners, including pioneers in natural sciences, medicine, and technology.

Half of international students in Germany are enrolled in English-only degree programmes, making it accessible for non-German speakers. Germany is often more affordable than many other study destinations.

Here’s the fee structure for international students:

Tuition fees are non-existent in most German states for graduate, postgraduate and doctoral students.
Students usually pay a modest semester contribution, typically ranging from €100 to €350 (US $108 to US $380).
This contribution often includes a semester ticket for convenient public transportation access.
The Federal State of Baden-Württemberg charges non-EU citizens €1,500 (US $1637) per semester. However, doctoral students don’t have to pay any fees.

Upon graduation, international students have the opportunity to apply for a residence permit, which allows them to stay in Germany for 18 months to search for employment. Germany offers a vibrant cultural scene with numerous bars, clubs, museums, cinemas, and theatres.

One of the most significant challenges faced by international students in Germany is finding suitable accommodation. Approximately 60% of international students struggle with this issue. The demand for student housing often exceeds the available supply, especially in major cities like Berlin, Munich, and Frankfurt.

Although many top universities offer English-language programmes, there can still be language barriers for international students, particularly when dealing with administrative application processes, local authorities, or daily life situations. Learning German may be necessary for a smoother experience outside of the classroom.

Winner: Germany

Germany stands as a compelling study-abroad destination, offering unique advantages when compared to Canada. Notably, Germany boasts highly regarded universities that provide world-class education often with minimal or no tuition fees.

The country’s central location in Europe allows for easy exploration of neighbouring nations such as France or Spain, enriching the cultural experience. Furthermore, Germany’s strong emphasis on practical, hands-on learning through internships and co-op programmes prepares students for the job market effectively.

While Canada excels in many aspects, including a welcoming environment and diverse society, Germany’s combination of academic excellence, affordability, and career opportunities makes it an enticing choice for international students.

How is campus life in each country?

Campus life offers a unique blend of academic, social, and cultural experiences. Let’s understand the contrasting facets of campus life in Germany and Canada and the distinct student experiences each country has to offer.

Canada

Canada, renowned for its commitment to excellence, ranks among the top study-abroad choices globally. It boasts a high quality of life, with over 8,000 colleges and 16,000 top Canadian universities’ programmes, ensuring a tailored educational journey.

Seven Canadian institutions are in the global top 200, reflecting world-class education. Canada’s cultural mosaic includes 250+ ethnic origins, 200 languages, and 70 Indigenous languages, promoting inclusivity. Both English and French are widely spoken and students typically do not face language barriers.

According to the World Population Review, Canada holds a crime rate index score of 41.89. Campus life in Canada offers quality education, inclusiveness, affordability, and a pathway to a bright future.

Germany

German universities have a strong sense of community, and there are numerous student clubs, associations, and events that offer opportunities for socializing and networking.

The quality of education is world-class, and students benefit from well-equipped libraries, cutting-edge research facilities, and engaging academic environments. As reported by the World Population Review, Germany has a crime rate index score of 35.79 making it a safe destination for international students.

Students can connect with DAAD Young Ambassadors i.e. individuals who have personally experienced studying or conducting research in Germany for assistance and guidance.

Overall, Germany provides a well-rounded experience, combining academic excellence with cultural exploration and personal growth, making it an attractive destination for international students.

Winner: Germany

Germany offers a distinct campus life that sets it apart from Canada in several ways. German universities are renowned for their strong emphasis on research and practical experience, fostering an environment where students actively engage in cutting-edge projects.

The dual education system integrates classroom learning with real-world work experience, enhancing career readiness.
Germany is known for its high level of safety, providing international students with a secure environment to pursue their studies.
The DAAD Ambassador programme involves experienced individuals who have studied or researched in Germany, offering guidance and insights to prospective students, and making the transition to German academia smoother.

What are the career opportunities in Canada vs Germany?

When considering international career prospects, Canada and Germany stand as two prominent contenders. Each offers a unique landscape of opportunities, shaped by their distinct economies, industries, and immigration policies.

Canada

International students holding a Canadian student visa can work while pursuing post-secondary education at designated learning institutions (DLIs) if their programme exceeds six months and leads to professional certification.

They can work up to 20 hours per week during the academic term and full-time during breaks, provided they intend to resume full-time studies. Employment eligibility begins when their programmes commence, with a minimum wage set across provinces, typically ranging from CAD $13 (USD $9.5) to CAD $16 (USD $11.76) per hour.

After graduation, international students can access full-time employment as skilled workers in Canada by obtaining a Post-Graduation Work Permit (PGWP) for up to three years, a valuable opportunity to gain work experience.

To work in Canada, individuals must obtain a Social Insurance Number (SIN) alongside a valid work visa. The SIN is essential for tracking employment history, tax payments, and hours worked, contributing to Canada’s economy and local communities.

Germany

Part-time work in Germany offers international students an opportunity to supplement their income and gain practical experience. The minimum wage for part-time work in the country has been set at €12.00 (US $13) per hour since October 2022.

International students have the option to hold a mini-job, allowing them to earn up to €520 (US $565.96) per month. If earnings exceed this threshold, students must acquire a tax number, resulting in a monthly deduction from their wages. However, students can reclaim this deducted amount by filing a tax return at the end of the year.

Graduates of German universities find it relatively straightforward to obtain a residence permit for employment in Germany, with over 40% of international graduates choosing to stay and work in the country.

They can apply for a post-study work permit for up to 18 months after graduating to search for suitable job opportunities. Successfully securing a job during this period results in a residence permit for gainful employment and allows for continued stay in Germany.

Under specific conditions, graduates may qualify for a settlement permit, granting indefinite leave to remain, after just two years. Meeting all requirements, including a proficient command of the German language, enables graduates to apply for citizenship after eight years.

For highly qualified individuals from non-EU countries, the EU Blue Card is an option. This card allows them to live and work in Germany, provided they hold a recognized degree and an employment contract with an adequate annual salary.

In 2021, Statista reported that the mean gross yearly income in Germany stood at € 47,700 (US $51,930.75). Your specific earnings can significantly vary based on factors such as your geographical location, professional background, educational qualifications and the size of the company you work for,

Winner: Tie

Both Germany and Canada provide exceptional opportunities for international students to pursue their education and career goals. Graduates from both countries find it relatively easy to obtain residence permits for employment, with opportunities for extended stays, settlement permits, and pathways to citizenship, especially for those with recognized qualifications.

Germany and Canada offer unique advantages, providing international students with a wealth of opportunities for education and career advancement.

Cost of living: Which country is better?

Understanding the cost of living is a pivotal consideration for international students. From accommodation and everyday expenses including entertainment, let’s understand key factors that influence the affordability of life in these nations.

Canada

Understanding the cost of living in Canada is contingent on personal lifestyle preferences and the selected city for residence. To facilitate prudent financial planning, here is an estimate of recurring costs:

Housing and Accommodation (Monthly Average Cost):

Rent for private housing off campus:
CAD $500 (US $367) – CAD $2,000 (US $1470)

Food and Groceries (Monthly Average Cost):

Expenses for groceries and cooking: CAD $240 (US $176) – CAD $480 (US $353)
On-campus residents can opt for a meal plan, granting access to their institution’s cafeteria for all meals. This will be an additional cost.

Utilities and Services (Monthly Average Cost):

Utilities and cable: CAD $100 (US $74)+
Internet: CAD $50 (US $37) – CAD $100 (US $74)
Phone: CAD $60 (US $44)+

Health Insurance (Monthly Average Cost):

Monthly health insurance expenses: CAD $75 (US $55) – CAD $120 (US $88)
Healthcare system coverage varies by province or territory in Canada; international students must confirm the availability of coverage.
In provinces without international student coverage, schools often offer medical insurance plans for purchase. Tuition fees for full-time students may include insurance covering dental, vision, prescription drugs, and other health services.

Entertainment and Leisure (Monthly Average Cost):

Entertainment expenses: CAD $120 (US $88)
Transportation (Monthly Average Cost):
Transportation pass cost: CAD $80 (US $59) – CAD $156 (US $115)

Please note that these figures are general estimates, and your actual expenses may differ depending on your personal choices, location, and individual circumstances.

Germany

International students in Germany encounter a range of living expenses while pursuing their education abroad. Here is a breakdown of expenses:

Proof of Financial Resources for Study Visa:

All international students must demonstrate financial capability to cover study costs. Starting from January 2023, it is required to show financial resources of EUR €934 (USD $1015) per month or EUR €11,208 (USD $12,181) annually.

Semester Contribution:

Unrelated to tuition fees; supports student services and student government or AStA. The amount ranges from EUR €100 (USD $109) to EUR €350 (USD $380) depending on the institution.

Living Costs in Germany (Monthly Average Cost)

International students typically have a smaller budget compared to their German peers, with an average monthly allowance between EUR €725 (USD $788) to EUR €934 (USD $1015).
By presenting a valid student ID, you can frequently enjoy reduced prices for tickets at theatres, museums, opera houses, cinemas, and various other cultural venues.

Average Everyday Prices:

Bread (500g): EUR €2 (USD $2)
Potatoes (1 kg): EUR €0.99 (USD $1)
Milk (1 litre). EUR €0.90 (USD $1)
Mineral water (0.75 litres): EUR €0.80 (USD $0.9)
Café coffee: EUR €2.50 (USD $2.72)
Pub beer: EUR €3 (USD $3)
Restaurant pizza: EUR €7 (USD $8)
Cafeteria lunch. EUR €2.50 (USD $2.72)
T-shirt: EUR €10 (USD $11)- EUR €50 (USD $54)
Trousers: EUR €30 (USD $33) – EUR €100 (USD $109)
Cinema ticket (student discount): EUR €6 (USD $7)
Theatre ticket (student discount): EUR €6 (USD $7) – EUR €30 (USD $33)
Museum ticket (student discount): EUR €2 (USD $2) – EUR €8 (USD $9)

Financing Options for International Students

Limited work permissions for international students in Germany.
International students are allowed 120 full days or 240 half days of work per year. Students cannot engage in self-employment or freelancing opportunities.
Seek permission from the Federal Employment Agency (Agentur für Arbeit) and foreigners’ office (Ausländerbehörde) for more work; approval depends on labour market conditions.
Academic assistants have no work limit but must inform the foreigners’ office.

Winner: Canada

Canada’s cost of living often emerges as a more affordable option for international students when compared to Germany. While Canada may have higher tuition fees, it compensates with affordable and accessible healthcare and a lower cost of living. Rent and everyday expenses vary by city for example Montreal or Quebec may have a higher cost of living, but there’s a wide range of accommodations to fit different budgets.
In contrast, Germany offers low or no tuition fees and cost-effective healthcare. However, expenses can mount in cities like Hamburg, Munich or Frankfurt. Ultimately, the affordability of each country depends on individual circumstances, making it crucial for international students to evaluate their specific needs and financial resources.

Courses and study duration

Choosing the right courses and study duration is a critical aspect of an international student’s journey. Let’s explore the academic offerings and study timelines in these countries, shedding light on the educational pathways available to those aspiring to study abroad

Canada

A recent report analyzing university major preferences in Canada highlights psychology and computer science as the most favoured choices among students. Examining global trends in degree preferences across 181 programmes, the study reveals psychology, computer science, and business as the top picks in Canada.
The country’s graduate and postgraduate programmes are recognized for their efficiency and alignment with career goals.

Typically lasting one to two years, master’s programmes facilitate rapid knowledge and skill acquisition, while Ph.D. programmes, with durations of three to six years, emphasize extensive research and expertise development, ensuring a comprehensive and rewarding academic journey.

Germany

For aspiring undergraduates, bachelor’s programmes are available in an array of fields encompassing science, engineering, humanities, social sciences, management, arts, medicine, and more.

In the 2022-23 academic year, 60% of Indian students opted for Engineering courses, down from 68.21% in the previous year, according to data from The Free Press Journal.

This change saw an increase in enrollment in other subject fields like Law, Management, Social Studies (22%), and Mathematics and Natural Sciences (14%), compared to 13.97% and 11.93% in the previous year. Outside of these prominent disciplines, Indians comprise only 4% of students in other courses in Germany.

The duration of bachelor’s programmes typically spans from 3 to 4 years, depending on the chosen subject. Importantly, for international students, Germany provides a wealth of options with approximately 300 bachelor’s programmes offered in English, alongside a staggering 2000 programmes delivered in German.

For master’s programmes, students can opt for programmes with German as the medium of instruction, immersing themselves in the language and culture, or select from a vibrant array of English-taught programs known as “International Programmes.” Most postgraduate courses in Germany are between 1 to 2 years.

Germany provides a plethora of Ph.D. programmes conducted primarily or exclusively in English, including the language for your thesis. The journey to achieve a doctorate in Germany typically spans five to six years, though the duration may vary based on specific research fields and individual progress.

Winner: Tie

Canada and Germany offer diverse and globally recognized courses with study durations tailored to suit students’ needs. In Canada, programmes are renowned for their alignment with career goals. Both countries also require international candidates to submit English language proficiency scores i.e. TOEFL, PTE, IELTS etc as well as GRE or GMAT scores for certain courses.

Similarly, Germany stands out with its practical and research-focused courses. Both countries provide excellent opportunities, ensuring students receive quality education aligned with their aspirations.

Conclusion

Germany stands out as an exceptionally favourable study-abroad destination for Indian students when compared to Canada. One of its most compelling advantages is the low or non-existent tuition fees at many of its public universities. This feature significantly reduces the financial burden on students and their families.

Moreover, Germany offers an abundance of career opportunities, particularly in the STEM fields, which aligns well with the aspirations of many Indian students. Its robust economy and emphasis on research and innovation create a thriving job market.

Post-graduation, Germany’s generous post-study work options allow graduates to stay for up to 18 months to seek employment, providing a pathway to permanent residency.
All these factors make Germany an appealing destination for Indian students seeking world-class education, great career prospects, and a vibrant cultural experience.

Date added

26.12.2023

Filed under:

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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

Canada vs Germany: Which is Better for Indian Students in 2024?

What are the advantages and disadvantages of studying in each country?

Canada

Germany

Winner: Germany

How is campus life in each country?

Canada

Germany

Winner: Germany

What are the career opportunities in Canada vs Germany?

Canada

Germany

Winner: Tie

Cost of living: Which country is better?

Canada

Housing and Accommodation (Monthly Average Cost):

Food and Groceries (Monthly Average Cost):

Utilities and Services (Monthly Average Cost):

Health Insurance (Monthly Average Cost):

Entertainment and Leisure (Monthly Average Cost):

Germany

Proof of Financial Resources for Study Visa:

Semester Contribution:

Living Costs in Germany (Monthly Average Cost)

Average Everyday Prices:

Financing Options for International Students

Winner: Canada

Courses and study duration

Canada

Germany

Winner: Tie

Conclusion

Date added

26.12.2023

Filed under:

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