UK vs Germany: Which is Better for Indian Students in 2023

Global Ed

The next article in our series of comparing countries is this UK vs Germany one. To choose between these giants in the sphere of international education is not easy. Is it right to blindly choose Germany because you want to study engineering or reject it because you have to learn another language? Can your entire decision rest on one factor?

Here are the questions this article answers in detail…

What are the advantages and disadvantages of studying in each country?
How is campus life in each country?
What are the career opportunities in the UK vs Germany?
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?

In the recent past, there has been an increasing demand for Germany as a study destination. Meanwhile, the United Kingdom has always been a popular choice. For students from India, both countries offer excellent education systems, research infrastructures and post-study work opportunities. Take a look at the higher education system in the British Isles and Germany at a glance.

	The United Kingdom	Germany
Top Universities	University of Cambridge University of Oxford Imperial College London	Technical University of Munich Ludwig-Maximilians-Universität München Universität Heidelberg
Duration	Bachelor’s: Typically 3 years (Scotland has 4 year programmes) Master’s: 1 year	Bachelor’s: 3 years (Some programmes might take 4 years). It’s based on a credit system. Master’s: Typically 2 years (There are a few 1-year programmes.)
Choosing majors/ specialisations	At the time of admission	At the time of admission
Top Choice of Subjects	Medicine and Dentistry Veterinary Medicine Education Law Business Management Architecture Social Sciences Humanities	All specialisations of Engineering, especially automobile Business Management Computer Science and IT Social Sciences
Average Tuition fees	UG: £22,200 (INR 23,42,677.20) PG: £17,109 (INR 18,05,444.33)	€10,000 – €20,000 (INR 10-19.5 lakhs) in private universities. Tuition is free for all students in public universities.
Cost of Living per month (approximate)	£1,300 (INR 1,37,216.37)	€800 – €1,000 (INR 78,000 – 1 lakh)
Work while you study	Allowed up to 20 hours per week	A maximum of 120 full days a year
Post-Study Work	Graduate Immigration Route – 2 year stay	Extended residence permit – 18 month stay

How to choose between these two countries?

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 pros and cons of studying in the UK vs Germany. Let us dive right in.

1. Cost of Studying

For most Indian students, this is an important factor when choosing countries. As some of the most developed nations in the world, it is natural to wonder how high an investment you will have to make. Here are some average figures to aid your financial planning.

UK: The average tuition for undergraduate study is around 22,200 GBP (INR 23,42,677.20). For Postgraduate study, you can expect to spend around 17,109 GBP (INR 18,05,444.33). These figures are bound to vary depending on your courses or the university.

Germany: One of the most important reasons why Germany is an international student favourite is because, since 2014, tuition fees have been abolished in public universities. You will still have to pay an administrative fee ranging from €150 – €1,500 (INR 13,000 – 1.3 lakhs) per semester but higher education is extremely affordable in Germany. While this is primarily applicable for undergraduate courses, most public universities also charge very minimal tuition for master’s programmes as well. However, there are some exceptions. Executive programmes and post-professional programmes typically have a tuition fee. MBAs, for instance, have tuition fees ranging from 13,000 to about 42,000 euros.

If you are enrolling in a private university, you can expect to pay €10,000 – €20,000 per year, which converts to approximately INR 10 – 20 lakhs per annum.

Winner: If you are considering only the cost of studying, Germany is the clear winner. You will invest a lot less in the Deutschland when compared to the UK.

2. Language Barriers

UK: It is a statement of the obvious that English is the official language of the United Kingdom. As a student from India who has attended English medium schools, proving your proficiency in English need not necessarily be an arduous task.

Germany: Only in the last decade or so, German universities have begun offering a handful of programmes completely in English, designed specifically for international students. This is also primarily applicable at the postgraduate level. Otherwise, courses are taught in German. It means that you must invest a significant amount of time to ensure you can, not just communicate in basic German, but also understand technical jargon in the language. Most universities require you to show proof of proficiency in English and German (the level might vary depending on the medium of instruction).

You will also need to know the language to have a fuller life in the country. You can get by with minimal German in large cities such as Berlin, Munich, Frankfurt or Hamburg but will need to communicate in the language in smaller cities such as Stuttgart, Dresden or Aachen.

Winner: The UK, as there are no language barriers. However, knowledge of a foreign language can also be a major advantage in the global economic landscape.

3. Quality of Education

UK: The academic heritage and renown of the UK needs no separate validation. Two of the oldest and world-class universities are located here – The Universities of Oxford and Cambridge. Besides these two giants, most of the universities in the UK have a long standing history of providing well-rounded higher education to its students. In addition to being one of the best countries for higher education, the UK also has a significantly higher number of universities when compared to Germany. It means that your prospects of getting to the UK are better.

Here are the top 10 universities in the UK according to 2023 QS World University Rankings.

S.No	World Ranking	University
1	2	University of Cambridge
2	4	University of Oxford
3	6	Imperial College London
4	8	UCL
5	15	University of Edinburgh
6	28	University of Manchester
7	37	King’s College
8	56	London School of Economics and Political Science (LSE)
9	61	University of Bristol
10	64	University of Warwick

Germany: While not carrying the same legacies as England, German universities have built a reputation for themselves across the world. With the highest GDP in Europe, Germany is at the forefront of the technological and innovation race in the western world. The universities provide state of the art infrastructure and inspire their students to push the boundaries of knowledge and research.

Top 10 universities in Germany, according to QS World University Rankings

S.No	World Ranking	University
1	49	Technical University of Munich
2	59	Ludwig-Maximilians-Universität München
3	65	Universität Heidelberg
4	115	Freie Universität Berlin
5	131	Humboldt-Universität zu Berlin
6	141	KIT, Karlsruhe Institute of Technology
7	147	RWTH Aachen University
8	158	Technische Universität Berlin (TU Berlin)
9	169	Eberhard Karls Universität Tübingen
10	189	Albert-Ludwigs-Universität Freiburg

The German higher education system also gives you the choice between hochschule and university. Hochschulen are institutions at post-secondary level offering hands-on learning, where you split your time – 50% of it is spent on gaining practical experience while the remaining is spent on theory. Universities offer a more academic, research-based and theoretical approach to subjects.

Winner:

The UK, because of its university rankings. However, both countries are popular study destinations for different courses. The competition to be enrolled in German universities is also tougher for two reasons: 1. Germany has fewer universities than the UK. 2. Since the practice of no tuition fee has been initiated in the public universities, the number of applicants have increased.

4. Duration of Study

UK: Undergraduate programmes are typically 3 years long. The one exception is Scotland where many programmes are designed for 4 years. A master’s degree in the UK is 1 year long.

Germany: Most undergraduate programmes in Germany are also 3 years long with a few exceptions. However, postgraduate courses are typically 2 years long.

Winner: A tie. It depends on your personal preference and how intensive or spaced out you would like your courses to be. With the UK you can begin working earlier. In Germany, you can spend more time on your research and spread out your courses.

5. Cost of Living

UK: According to the British Council, except for London, the average cost of living is about £1,100 (INR 1,16,106.16) per month. If you are living in London, you can add another £200-300 to your monthly expenses. Under the NHS basic healthcare is also free for international students.

Germany: Living costs in Germany are lower than that of the UK. The German government has stipulated that an international student aiming to get a German visa should maintain a minimum of 11,208 euros in a blocked account. That translates to about €934 a month. Most living cost estimates published by universities also range between €800 – €1,000 (INR 78,000 – 1 lakh). With health insurance, you will have access to one of the best healthcare systems in the world.

Winner: Germany

6. Student visa and work while you study

UK: You will need a UK student visa (previously known as Tier 4 visa). It costs about £360 (~ INR 38,000) to apply and is not often granted to part-time courses. The processing time is typically 3 weeks.
Under this visa, you can work for a maximum of 20 hours per week when the semester is in progress and 40 hours during vacation. The national minimum wage is £10.42 (INR 1,099.84) per hour.

Germany: If you have received a letter of acceptance from a German university, then you must apply for a German Student Visa. If you are considering visiting the university or entering Germany to undertake an entrance exam, then it is the Student Applicant Visa. The visa fee is 75 EUR (~INR 7,000). On arrival, you must register with the Alien Registration Office in the German city within two weeks to get your residence permit. The processing time is longer and can take up to 3 months.

Under this visa, you can work up to 120 full days or 240 half-days a year. 8 hours of work is considered a full day. For the sake of comparison, it comes up to approximately 18 hours a week. The minimum wage is €12 (INR 1,091)/ hour.

There is no winner in this category. The immigration procedures of your destination country must be followed.

7. Post-Study Work Visa

UK: On completion of your study, you can take the Graduate Immigration route and stay in the UK for up to two years and work or look for work. There is no limit on salary and therefore offers flexibility. You are eligible to apply on completion of both bachelor’s or master’s degree programmes. On completion of the two years, you can upgrade to a Tier 2 Skilled Visa under the sponsorship of the organisation that you work for.

Germany: On graduation, you can apply for a Residence Permit that lasts 18 months. This period is given to you to look for employment. If you are a highly skilled worker, have a postgraduate degree or professional training and earn over €56,400/year, you can apply for a EU Blue card. It is a short pathway from there to permanent residency in any of the European Union nations.

8. Career Opportunities

Both Germany and Britain are two bustling nations with two of the top GDPs in Europe. At the international level, they are important players, especially in the field of technology, finance, development and innovation. That said, the job market is extremely competitive in both nations.

The UK is slightly less stable because of Brexit. However, opportunities in the two countries also depend upon the field you are in. Some jobs are easier than other, depending on skills, as there are is a severe skill shortage in both countries in different domains. Engineers, for example, are in high demand in the UK while Germany is in need of social and healthcare professionals.

When it comes to average salaries, as absolute figures, the UK’s is slightly higher, at about 12%. But, considering the cost of living, Germany has the better income-cost ratio. Ultimately, your career is dependent on your qualification, your skills, your experience and at what level you can pitch yourself.

One significant advantage that Germany offers is that, once you have the EU PR, you can also find work in Austria, Italy, Denmark, Switzerland, the Netherlands, France, Belgium or any of the other EU nations.

9. Culture

UK: The United Kingdom is made of four different countries – England, Scotland, Wales and Northern Ireland. This makes its culture extremely diverse. Be it history, sports, music or the UK pub culture, life in the UK as an international student can be full of rich experiences.

Germany: Be it classical music, sausages, sports or beer, Germany is also a nation rich in culture. The expanse of the country also allows you to explore all kinds of things – from urban life to idyllic suburbs and wilderness.

Winner: Germany. There are absolutely no judgments being passed on a nation’s culture here. Germany is the winner here because of its work culture. Germans are known for maintaining work life balance and generally frown upon overtimes. This might not be the case with many organisations in the UK.

10. Weather

While both these nations are located in similar climatic zones, German weather is more manageable entirely because it is more predictable and moderate when compared to the UK. It is a common thing in Great Britain to expect unexpected rains at any point in time.

Winner: A Tie

Both countries have their own set of pros and cons and it is impossible and impractical to choose, based on general advantages and disadvantages. These are to help you mentally prepare for what to expect when you go to the country 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 campus life will be as a UK and German student.

	UK	Germany
Time Spent on Campus	Typically 3 years for UG and 1 year for PG programmes	3 years for UG and 2 years for Master’s
Nature of Study	Is typically theory oriented with emphasis on depth. You will choose your course before entry and continue to specialise.	You can choose between a practical and a more academic/ research-based approach to your discipline. Hochschule offers vocational/ professional training while universities confer traditional degrees.
Food and Accommodation	Study halls are a popular choice of accommodation in the UK. The rooms are typically meant for individuals, giving you privacy. In most universities, food is not part of the accommodation and students are often left to fend for themselves. A number of off-campus options are also available.	Student Halls of Residence (Studentenwohnheim) are the most common option. Food and self-catering facilities are available. A number of off-campus options are also available.
Clubs and Extracurricular Activities	Most universities have a large number of lively and active societies (Like the Debating Society at Oxford or Cambridge which have a reputation of their own) However, due to the emphasis placed on the depth, extracurricular activities are not as big as they are in the US. They are typically treated as positive distractions or breaks from academia.	There are many events and festivals organised throughout the year. Most German universities have clubs/ associations in the following categories Study Outdoor activity International student groups Sports/ Athletics
Work while you study	Full-time students can work a maximum of 20 hours per week during term time, irrespective of whether the job is paid or unpaid.	120 full days or 240 half-days a year. (approximately 18 hours a week)
Social Life	Nightlife and the UK pub culture is a a big part of social like in the UK. Easier to socialise – people in the UK love to go out, especially in cities like London.	Germany has a conservative approach to socialising. The transition from peers to friends can be a slow process, especially if you are not comfortable with the language.

Winner: UK

Reminder, this is an opinion and not a fact. The UK has more to offer in terms of socialising on campus and student life beyond academics. It is more diverse than most German cities, allowing you to blend in and gain a more wholesome international perspective.

What are the career opportunities in the UK vs Germany?

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.

	UK	Germany
Unemployment rate	4%	5.7%
Worker Shortage	11.5% of businesses are experiencing worker shortage	Shortage of about 2 million skilled workers
In-Demand Job Sectors	Engineering Healthcare services (Medical practitioners, pharmacists, senior care workers) Data analysts Computer Science specialists (Cybersecurity, UI/ UX Designers, systems architect, web designers) Accountancy and Finance specialists, Graduates in the field of education	Healthcare professionals Nursing Aged and disabled care, Early education professionals Engineers and IT specialists
Average Salary	The average salary is typically less than that of professionals in Germany.	Higher average salaries than the UK, combined with lower cost of living.
Visa as a Student	UK Student Visa (Previously known as Tier 4 Visa) Allows you to work for up to 20 hours a week.	German Student Visa Allows you to work 18 hours per week.
Towards/ On Course Completion	Graduate Immigration Route You can stay in the UK for up to two years and work or look for work. No limit on salary and therefore offers flexibility. You are eligible to apply on completion of both bachelor’s or master’s degree programmes.	Residence Permit You can live and look for jobs / work in Germany for 1.5 years. You are eligible to apply on completion of both bachelor’s or master’s degree programmes.
Post Study Work Visas	On completion of the two year period under the Graduate Immigration Route, you can update to a Tier 2 Skilled Worker Visa which allows you to be sponsored by a UK employer for a period of 5 years.	On meeting the eligibility criteria such as being a highly skilled worker, having a postgraduate degree or professional training and earning over €56,400/year, you can apply for a EU Blue card. It is a short pathway from there to permanent residency in any of the European Union nations.

Winner: Tie

The choice of country largely depends on which field you are in.

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	UK	Germany
Average Tuition (for an undergraduate programme)	£22,200 (INR 23,43,233.40)	€10,000 – €20,000 (INR 10-19.5 lakhs) in private universities. Tuition is free for all students in public universities.
Average Tuition (for postgraduate studies)	£17,109 (INR 18,05,444.33)	€10,000 – €20,000 (INR 10-19.5 lakhs) in private universities.
COST OF LIVING
Rent (On-Campus)	£4,000 (INR 4.5-5 lakhs)	€2,000 – €4,000 (INR 1.8 – 3.6 lakhs)
Rent (Off-Campus shared living – monthly)	London – £750 (INR 79,163.29) Rest of UK – £560 (INR 59,018)	Munich – €600 (INR 54,589.91) Rest of Germany ~ €400 (INR 36,393.27)
Food	£1,800 – £2,200 (INR 1.8 – 2.3 lakhs)	€2,400 (INR 2.2 lakhs)
Transport	£1,000 (~ INR 1 lakh)	€1,200 (~ INR 1 lakh)
Health Insurance	£470 (~ INR 50,000)	€1,500 (INR 1.36 lakhs)
Utilities (per annum)	£650 – £800 (~INR 65,000 – 85,000)	€1,000 (INR 90,900)
Average Total Living Expenses (per annum)	£14,400 – £16,800 (INR 15 – 18 lakhs)	€11,500 – €14,000 (INR 10.5 – 13 lakhs)

Winner: Germany

While looking at average figures, Germany is cheaper than the UK. It also depends on your background, lifestyle choices and the city that you will be living in.

Courses and study duration

Courses and study duration: UK

Courses and study duration: Germany

Top Courses to Study in the UK

Medicine and Dentistry
Veterinary Medicine
Education
Law
Business Management
Architecture
Social Sciences
Humanities

Top Courses to Study in Germany

All specialisations of engineering, especially automobile
Business Management
Computer Science and IT
Social Sciences

Study Duration

Bachelor’s – 3 years
Master’s – 1 year

Study Duration

Bachelor’s – 3 years
Master’s – 2 years

Note: German universities follow a credit system, so a Bachelor’s could take
more than three years if the credits are not completed.

Eligibility Criteria

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

	UK	Germany
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.	German Abitur or an equivalent. Non-EU high school diplomas must be assessed by the German Academic Exchange Service. If found insufficient, you will be invited to sign up for the preparatory courses.
Academic Requirements for Master’s Programmes	A bachelor’s degree in a relevant field. Some courses might require you to have work experience.	A bachelor’s degree in a relevant field. Some courses might require you to have work experience.
Standardised Tests	Some courses in some universities might have entrance exams. A few applications might also require you to submit GRE/ GMAT/ MCAT scores.	Test AS, a test of foreign students to assess their study ability in Germany, is recommended but not mandatory for undergraduate admissions. 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 Proof of German language certifications – DSH 2/ TestDaF-Niveaustufe 4 / Telc German C1 / DSD II / Goethe Certificate C2 / ÖSD Zertifikat C2 (Austrian Language Diploma C2)

Scholarships

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:

Indian government scholarships for students going abroad
Government scholarships of your destination country
University scholarships
Scholarships from external sources such as charitable trusts and philanthropic organisations.

UK Government Scholarships	Germany Government Scholarships
Chevening Scholarships Commonwealth Masters Scholarships Commonwealth Fellowship Plan Global Study Awards GREAT Scholarships India British Council Scholarships for women in STEM Charles Wallace India Trust Scholarships	Deutschlandstipendium DAAD Scholarship: Baden-Württemberg-Scholarship Oskar-Karl Forster Scholarship Heinrich Boll Scholarships in Germany for International Students Erasmus scholarships for international students

Conclusion: Applying to universities in UK or Germany

Overall winner: A Tie!

It is impossible to categorically state that one country is better than the other (unless of course it comes down to the tuition fee!). Each nation has its own pros and cons. Ultimately, the choice of country when you are looking at the UK vs Germany 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. Students choose one country over the other for a variety of reasons and for what makes sense to them, based on personal factors as well. Some choose Canada over Germany as well.

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.

Date added

18.08.2023

Filed under:

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

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

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

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

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

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

Rules and Conduct

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

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

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

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

Additionally, you agree not to:

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

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

Technical Failures

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

Advertisements, Third Party Sites and Services

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

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

Termination

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

Warranty Disclaimer

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

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

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

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

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

Indemnification

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

Limitation of Liability

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

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

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

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

Governing Law

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

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

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

Integration and Severability

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

Modification of Terms of Use

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

Other Provisions

Claims of Copyright or Trademark Infringement

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

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

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

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

On completion of the take-down procedure above:

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

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

Notice

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

General

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

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

Miscellaneous

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

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

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

Contact

You may contact us at the following address:

The Chopras Global Holdings PTE Ltd

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

Our grievance / nodal officer may be contacted at:

Zishan Siddiqui

Grievance Officer

The Chopras Global Holdings PTE Ltd

SBF Centre,

160 Robinson Road,

#16-10,

Singapore - 068914

Email: zishans@thechoprasglobal.com

Privileged and confidential

Privacy Policy | September 6, 2021

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

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

Zishan Siddiqui

Grievance Officer

The Chopras Global Holdings PTE Ltd

SBF Centre,

160 Robinson Road,

#16-10,

Singapore - 068914

UK vs Germany: Which is Better for Indian Students in 2023

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

How to choose between these two countries?

1. Cost of Studying

2. Language Barriers

3. Quality of Education

Winner:

4. Duration of Study

5. Cost of Living

6. Student visa and work while you study

7. Post-Study Work Visa

8. Career Opportunities

9. Culture

10. Weather

Winner: A Tie

How is campus life in each country?

Winner: UK

What are the career opportunities in the UK vs Germany?

Winner: Tie

Cost of living: Which country is better ?

Winner: Germany

Courses and study duration

Eligibility Criteria

Scholarships

Conclusion: Applying to universities in UK or Germany

Date added

18.08.2023

Filed under:

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