Canada vs USA: Which is Better for Indian Students in 2023?

Global Ed

Another article in our series of comparing global ed destinations is Canada vs USA. Located in North America, these two nations attract students from all over the globe. A decade or two ago, the United States was the unchallenged leader when it came to global education. “Abroad” usually meant the US. Today, its position is being challenged by its northern neighbour.

Why has Canada become a student favourite? How can one choose between the two?

This article explores…

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 USA?
Cost of living: Which country is better ?
Courses and study duration
What are the eligibility criteria?
What are the scholarship options?
Conclusion

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

Renowned for their world class education systems, infrastructure and research facilities, both Canada and the US are top global ed destinations. In recent years, the number of students choosing the US has plummeted, while Canada has marched its way to the top. This shift could be attributed to a number of reasons.

The US government feels that they are closer to the saturation point when it comes to immigrants.
US visa applications and processing became stringent during the pandemic, especially regarding work visas.
The Canadian government is actively taking measures to welcome international students by capping fees and providing work permits.
Despite recent incidents, Canada provides a much safer environment than the US.

Whatever the reason might be, the choice between the US and Canada is an important one to make. Here’s a quick summary of their higher education systems.

	The United States of America	Canada
Top Universities with world Ranking	1 – Massachusetts Institute of Technology (MIT) 3 – Stanford University 5 – Harvard University 6 – California Institute of Technology (Caltech) 10 – University of Chicago	31 – McGill University 34 – University of Toronto 47 – University of British Columbia 110 – University of Alberta 116 – Université de Montréal
Duration	Bachelor’s degree: 4 years Master’s degree: 2 years	Bachelor’s degree: 3-4 years Master’s degree: 1-2 years
Choosing Majors/ Specialisations	Admission is to a specific school/ stream of study. You can take a few courses and then declare your major at the end of your 1st or 2nd year.	In some universities, admission is to a specific school/ stream of study. You can take a few courses and then declare your major at the end of your 1st year. Some universities require you to declare your major at the time of admission.
Top Choice of Subjects	Engineering Business and Management Computer Science, Data Sciences and IT Mathematics Medicine Physical and Life sciences	Biosciences Engineering IT and Data Sciences Media and Journalism Psychology Education
Average Tuition fees	Undergraduate study: 38,200 USD Postgraduate study can range from 25,000 – 120,000 USD. Ivy Leagues and other tier 1 schools are significantly more expensive	Undergraduate study: 36,100 CAD (approx. 26,690 USD) Postgraduate study: 21,100 CAD (approx. 15,600 USD)
Cost of Living per month	1,000 – 2,000 USD	1,250 – 2,000 CAD (900 – 1,500 USD) (note: cost of living can vary widely if you choose to live more expensively in both the countries)
Work While you Study	Students with a valid F-1 visa can work part-time up to 20 hours per week during semester and up to 40 hours during breaks and vacations. The minimum wage is $7.25 per hour and can go up to $15.	Students with a valid study permit can work up to 20 hours per week when school is in session and more during breaks. The minimum wage is $13 and can go up to 16.77 Canadian dollars, depending on the province.
Post-Study Work Regulations	Optional practical training (OPT) at the end of your course followed by employer-sponsored work visas.	Post-graduation work permit (PWGP) which allows you to work in Canada for 3 years.

University vs College

There is a clear difference between universities and colleges in Canada. Universities are larger, more academically oriented institutions that grant bachelor’s, master’s or doctoral degrees. Colleges are smaller, more practice-oriented institutions focussing on professional and vocational training. They offer diplomas and some bachelor’s degrees.In the US, college and university are typically used interchangeably. The vocational training institutes are called community colleges.

With both nations being leaders in global education, the choice between the two countries is not an easy one. Last year in the US, 125,000 applicants from India were granted student visas while Canada has about 319,000 Indian students enrolled in their institutions. Higher education in the US has been a benchmark dream for countless students while Canada has been a symbol of a more accepting culture and a better quality of life. So, how does one choose between the neighbours?

Your choice primarily depends on your course and the university most suited for your choice of studies. Everything else is secondary. Is the university at the cutting edge of your field? Is the university curriculum matching your needs? Where does the university stand in terms of global recognition? These are the questions you must ask first while choosing.

Then comes all the other factors such as

The teaching-learning style of the department you are applying to
The costs involved
The admissions criteria that you need to meet
Immigration policies and job opportunities and
Attitudes towards international students in the university/ city/ country.

Keeping this in mind, here are the detailed pros and cons of studying in Canada vs USA. Let’s dive in.

1. University Rankings

USA:

Of the top 100 universities in the world according to QS World University Ranking, 27 of them are located in the United States. 5 of the top 10 are in the US. Institutions such as MIT, Harvard, Columbia, Sanford and Yale are unequivocally considered leaders in research and in academics.

Canada:

3 of the top 100 universities in the world are in Canada. However, Canada is renowned globally for its high-quality academic programmes and research publications. Despite the lower ranks when compared to the US, Canadian universities are more accessible and provide world class education to its students. They are also highly ranked in specific fields.

Winner:

USA. If you are looking only at the rankings, the USA is a clear winner. However, it is important to remember that competition is extremely fierce for these top universities. Canadian universities can be more accessible for the average Indian student.

2. Choice of courses

While schools in both countries offer countless options to choose from, the choice of courses and the level of flexibility that American universities offer are incomparable. Universities in the US have way more specialisations and niche areas of study when compared to the rest of the world.

Canada’s choice of courses are also limited particularly in the field of medicine. While most universities do offer the programme, it is restricted only to domestic students.

Winner:

USA. The winner in this aspect is clearly the US because of the sheer number of universities. The US has well over 3,000 universities that grant degrees when compared to Canada’s 94.

3. Tuition Fees

USA:

For international students, especially if you are from India, the cost of studying in the US is one of the biggest obstacles. The average annual tuition for an undergraduate programme is around $38,200 while a master’s programme can range anywhere from $25,000 to $100,000.

According to the Education Data Initiative, a typical overseas student spends about $55,480 per academic year in a non-profit private university. That roughly converts to over 45 lakh INR per year. Without financial aid, this is a fairly large burden to bear.

Canada:

The average cost of a bachelor’s degree is CA $36,100 (approx. US $26,690) while the median cost of postgraduate programmes is around CA $21,100 (approx. $15,600 USD). Specific professional programmes such as MBA, medicine, nursing, dentistry or veterinary sciences are much higher when compared to the median cost of tuition.

Winner:

Canada. Typically, tuition fees in Canada are 20 – 25% lower than that of the US.

4. Cost of Living

When looking at absolute figures, the cost of living in the US appears to be higher than that of Canada. As an international student, you can expect to spend anywhere from $12,000 to $24,000 per year as living costs in the United States. In Canada, these figures range from $10,800 to $18,000 USD.

However, if you are employed, then the average salaries in the US are higher when compared to Canada, as we will see in the next section. Utilities, public transport and consumer goods are also typically more expensive in Canada when compared to the US, however, rents and insurance are cheaper. Canadian healthcare is also a lot more affordable than the US.

Winner:

A tie. The cost of living largely depends on the city and your lifestyle choices. Both countries have their pros and cons, especially when it comes to international students. Some of the most expensive places to live in the US are New York, California, Honolulu and San Francisco while the Canadian equivalents include Vancouver, Toronto, Montreal and Calgary. Check out the section on cost of living to get a more detailed picture.

5. Work permit

USA:

With a student visa, you can work a maximum of 20 hours per week when school is in session and up to 40 hours during breaks. On completion of your course, you can apply for OPT (Optional practical training) with your student visa. You are allowed 90 days to find a job that fits the OPT criteria. This gives you one year (2 years in the case of STEM related work) to work and gain practical experience. Your OPT work experience must be in line with what you studied in the US. After your OPT period is completed, it should be upgraded to an employer sponsored work visa. The most common category is the H1B visa.

Canada:

The work while you study regulations are practically the same when compared to the US. Under a student visa, you are allowed to work a maximum of 20 hours per week and more during holidays. On completion of your course in any of the designated learning institutions in Canada, you can apply for a Post Graduate Work Permit (PGWP). This permits you to temporarily stay and work in Canada. The duration of this stay is proportional to the duration of your course. A maximum of 3 years is allowed under the PGWP route. After which, with the sponsorship of your organisation, you can apply for a skilled worker visa as a step towards permanent residency.

Winner:

Canada. While both countries have their own set of rules and regulations to be followed, visa processing for Canada is fairly more straightforward and lenient when compared to the US. Your permanent residence application can also be processed within six months. American immigration authorities are stricter when it comes to granting H1B visas or a Green Card.

6. Post graduate opportunities and Salary scales

USA:

The US is home to over 100 Fortune 500 companies. The US economy is the largest in the world and has always been considered the land of opportunities. As an international student, it directly translates to more industries and therefore more employment opportunities. Considering the US’s position as an economic superpower, the average salary of someone who has completed a bachelor’s degree is about $59,000.

Canada:

While Canada is the 9th largest economy in the world, it has fewer industries when compared to the US. However, there is also a skill shortage that opens up numerous job options for international students graduating from Canadian universities. Freshers can expect to earn CA $40,000 – $60,000 on graduation.

Winner:

USA. Average salaries are higher in the US when compared to Canada.

7. Language Barriers

USA:

English is the primary mode of communication and the official language. If you are a student applying from India, you will not be facing a lot of language barriers, except perhaps getting used to the local accents.

Canada:

Parts of Canada, especially the eastern provinces such as Quebec and New Brunswick are bilingual with both French and English as their official languages. This might prove to be a barrier since knowledge of French is either required or recommended for some university applications or job opportunities.

Winner:

USA. However, the knowledge of a foreign language like French can boost your profile as a global citizen.

7. Quality of Life

We will compare the differences in standard of living under these four categories.

Work-life balance: America’s competitive culture skews the work-life balance towards work, especially when compared to Canada. Personal or parental leave is very limited or is granted with a loss of pay. Fierce competition and working overtime are commonplace and part of the American industrial complex. In contrast, Canada emphasises on a better work-life balance. Some Canadian organisations are also experimenting with a 4-day work week.
Weather: Due to the geographical vastness of both nations, they experience different weather systems in different parts. However, the climate in the US is more moderate and temperate when compared to the harsh winters of Canada.
Healthcare: The US has one of the most expensive healthcare systems in the world. Health expenditures in the United States average out at $12,914 per person, nearly double the $6,500 spent per person in Canada. (Source: School of Medicine, Ross University). Insurance for international students in the US is also significantly higher.
Safety: According to the 2022 Global Peace Index, Canada stands 12th in the list of safest countries to live in while the US is ranked at 129. Increasing gun violence, racism and political division make the US less safe when compared to Canada.

Winner:

Canada. Except for the weather, Canada offers a better quality of life to international students when compared to the US. It is more multicultural and accepting of immigrants.

Based on this list, it is clear that both countries have their own set of advantages and disadvantages. The idea of this list is to not give you a final answer but help glean a picture of what to expect should you choose one of these countries. As mentioned earlier, your decision is primarily based on the university and the course of your choosing. However, if you run through the parameters with a specific course and university in mind, you will be able to judge which of the two is better suited for you.

How is campus life in each country?

Let us take a look at how your student life will be like in both countries.

	Canada	USA
Time Spent on Campus	Bachelor’s: 3 – 4 years. A 4-year course is called Bachelor’s Honours Master’s: 1 – 2 years	4 years for UG and 2-3 years for Master’s
Nature of Study	With many universities, you choose your major at the time of application Most take classes in relation to your declared specialisation. There’s flexibility to switch, to a certain extent, but it can delay graduation.	Programmes are typically designed for flexibility and breadth of choices. Example: You enter the university for a liberal arts degree. You can take general courses ranging from literature to music or arts and declare your major in your second year. Even after declaring your major, you can choose courses from across disciplines without much restriction.
Coursework and Grading	The kind of coursework assigned and the grading system varies from one province to another.	Most colleges follow the 4-point GPA scale. Quizzes, assignments and projects are distributed throughout the term and there is a culture of feedback and re-working. The assessment cycle is more continuous and all your submissions will count for your final grade, including the end of term exams.
Student Housing	Most students choose off-campus accommodation. The number of students in the top universities are quite large and therefore housing all of them on campus is difficult.	On-campus accommodation is typically dormitories. You might be able to get individual accommodation, but at a significantly higher cost. Life revolves around the university. Off-campus options are also available.
Clubs and Extracurricular Activities	Most universities have clubs/ associations in the following categories Study groups Sports Arts and Media Outdoor Activities International student and cultural communities	Student activities and sports play a huge role in US universities. You might get preferential admission or even scholarships based on your athletic prowess. These activities build a sense of togetherness and university spirit, making campus more engaging and active.
Work while you study	Full-time students can work a maximum of 20 hours per week during term time and more during semester breaks and other holidays.	Students with a valid F-1 visa can work part-time up to 20 hours per week during semester and up to 40 hours during breaks and vacations. The minimum wage is $7.25 per hour and can go up to $15.

Winner: USA

Reminder, this is an opinion and not a fact. The US offers a more comprehensive and typical student experience when compared to Canada. However, if you are self sufficient as a student and enjoy exploring on your own, then Canadian schools can be a better fit.

What are the career opportunities in Canada vs USA?

Let us make one thing clear. Neither country guarantees a job on completion of your degree. The onus is on you to find the right job best suited to your career plan, within the terms of your visa. That said, here are some of the important facts to consider.

Immigration and Career at a Glance

	Canada	USA
Unemployment rate	5.5%	3.5%
Worker Shortage	Labour shortage is not as extensive except in the fields of healthcare, hospitality and a few such fields. A mismatch in skills and pay has resulted in a significant number of vacant positions.	Only 5.9 million unemployed workers for 9.8 million job openings (Source: US Chamber of Commerce) Over 120 of the Fortune 500 companies are headquartered in the US.
In-Demand Job Sectors	Nursing, Accommodation and food services, Construction, Web developer, Data Science and Fintech	Healthcare, Information Technology, Finance, Engineering, Law and Management
Average Salary	Lower average salaries when compared to the US.	Higher average salaries than Canada. A typical median salary for a fresher can be considered low, considering the cost of living and the taxes.
Visa as a Student	Canadian study permit It allows you to work 20 hours per week during term time and more during semester breaks and other holidays.	F-1 student visa It also allows you to work 20 hours per week and up to 40 hours during semester breaks.
Towards/ On Course Completion	PWGP (Post Graduate Work Permit) It allows you to look for work/ work in Canada for up to 3 years.- You are not eligible for a PWGP if your programme is less than 8 months.	OPT (Optional Practical Training) You can work in the US for 1 year (2 years for STEM courses). You have a period of 90 days to find a job for OPT.- The job must be within the scope of study that you have completed at university.
Post Study Work Visas	On expiry of your PWGP period, you can either apply for Open Work permit Provincial Nominee Programmes Work permit with Labour Market Impact Assessment (LMIA) Permanent Residency visa	After your OPT period is over, you will be eligible to apply for any of the employer sponsored H1B visas.

Winner: Canada

While the US does provide a more competitive work environment with more opportunities and higher salaries, Canada offers better stability and better work-life balance. More importantly, compared to the US, immigration policies are friendlier in Canada.

Cost of living: Which country is better ?

It is important to note that the figures shown in the table below are averages and approximations to give you a general idea. The actual costs can vary depending on your selection of courses, the universities and the city that you will be living in.

Costs per year	Canada	USA
Average Tuition (for an undergraduate programme)	36,100 CAD (approx. 26,690 USD)	$38,200
Average Tuition (for postgraduate studies)	21,100 CAD (approx. 15,600 USD)	Can range from $25,000 – $120,000
COST OF LIVING (in USD)
Rent (On-Campus)	$4,800 – 10,400	$8,000 – $11,000
Rent (Off-Campus shared living per month)	Toronto – $900 to 1,000 Other cities – $500 to $1,000	New York – ~$1,000 Smaller cities – $600 – $900
Food	About $3,000	~$4,000 – $5,000
Transport	$600 – $1,200	~ $1,500 – $2,500
Health Insurance	$450 – 700 (varies with each province)	$1,800 – $2,400
Utilities (Monthly)	About $1,800	$1,500 – $2,000
Average Total Living Expenses	About $13,000	$12,000 – $20,000

Winner: Canada

Looking at the averages, Canada is comparatively cheaper when compared to the United States. However, your choice of city, university and lifestyle will play a major role when planning your budget.

Courses and study duration

Here are some of the top courses to study in both countries

Canada

USA

Business Management
Information Technology
Human Resource Management
Media and Journalism
Psychology
Education
Healthcare management

Engineering
Business Management
Data Science
Computer Science
Medicine
International Relations
Mathematics
Social Sciences

Study Duration

Bachelor’s – 3 years
Bachelor’s Honours – 4 years
Master’s 1- 2 years

Study Duration

Bachelor’s – 4 years
Master’s – 2 years

What are the eligibility criteria?

When it comes to admissions, both countries have their own set of requirements and both are extremely competitive. Your application must stand out, based on academic merit, extracurricular activities and your statement of purpose. The general eligibility criteria are as follows

	Canada	USA
Academic Requirements for UG Programmes	Completed grade XII with the required courses. For e.g. you must have scored high in Class XII Maths to apply for a Computer Science programme.	Completed grade XII with the required courses
Academic Requirements for Master’s Programmes	A bachelor’s degree in a relevant field. Some universities accept the Indian 3-year bachelor’s degrees. Some courses might require you to have work experience.	A 4-year bachelor’s degree in a relevant field. (The US is specific about 4-year undergraduate courses. If your programme is only for three years, you will be expected to take additional courses.) Some courses might require you to have work experience.
Standardised Tests	Some courses might have entrance exams, especially if admissions are competitive. A few universities might also require you to submit GRE/ GMAT/ MCAT scores.	Most universities have become test-optional post Covid, especially at the undergraduate level. Some require you to submit SAT/ ACT scores. Many master’s degree programmes require GRE/ GMAT scores.
Language Proficiency Tests	IELTS/ TOEFL to prove your proficiency in English	English language proficiency tests – IELTS/ TOEFL

What are the scholarship options?

As a student applying from India, it is also important to look into scholarship options. Four sources should always be considered when looking into financial aid:

Scholarships from home country
Scholarships of your destination country
University scholarships
Scholarships from external sources such as charitable trusts and philanthropic organisations.

Canadian Scholarships	US Scholarships
Canadian – ASEAN scholarships Emerging leaders in the Americas Programme Study in Canada Scholarships Banting Postdoctoral Fellowships Vanier Canada Graduate Scholarship Ontario Graduate Scholarships	Fulbright Scholarships Aga Khan Foundation Scholarships AAUW Women Scholarships

Conclusion

Overall Winner: Canada

Looking at affordability, safety and the immigration policy, in today’s world, Canada is more alluring for Indian students who want to study abroad.

However, it is impossible to categorically pass judgement on which of the two neighbouring countries is better than the other. Each nation has its own pros and cons. The US has better ranked universities while Canada is more affordable. The US has a better economy and therefore better job prospects while Canada offers a better work-life balance.

Ultimately, the choice of country when you are looking at Canada vs USA should be dependent on the course, the university and the return on investment. Your ultimate choice is based on which department and school are best suited for your career needs.

There are a lot of choices and decisions to make. The process can get overwhelming. 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.

Our platform enables students to study anywhere in the world in just a few steps. From search and discovery and finding the right course fit for you, to applications, visas and departure – we see you through it all.

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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Date added

01.09.2023

Filed under:

Global Ed

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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 USA: Which is Better for Indian Students in 2023?

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

1. University Rankings

USA:

Canada:

Winner:

2. Choice of courses

Winner:

3. Tuition Fees

USA:

Canada:

Winner:

4. Cost of Living

Winner:

5. Work permit

USA:

Canada:

Winner:

6. Post graduate opportunities and Salary scales

USA:

Canada:

Winner:

7. Language Barriers

USA:

Canada:

Winner:

7. Quality of Life

Winner:

How is campus life in each country?

Winner: USA

What are the career opportunities in Canada vs USA?

Winner: Canada

Cost of living: Which country is better ?

Winner: Canada

Courses and study duration

What are the eligibility criteria?

What are the scholarship options?

Conclusion

Date added

01.09.2023

Filed under:

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