Thinking about the study abroad ROI for Indian Students in 2026? Yes, but only when the numbers, career path, and decisions make sense together.
Every year, thousands of Indian students pack their bags with one big expectation: a better future, a better salary, a better life. That sounds great.
But as the rupee is fluctuating and job marketing is becoming highly skill-focused, studying abroad in 2026 is strictly a business decision. You are the investor, and your degree is the product. You need to make sure that the product is worth your investment.
That’s exactly where this ROI guide for Indian students comes in. Let’s break down the ROI of study abroad in simple terms, including the study abroad cost and expenses, top courses with best ROI abroad, how to calculate ROI for studying abroad from India, and so on.
ROI in study abroad is the calculation of whether the money and time you spend on your degree will actually pay off in the form of a high-paying career. To find the return on investment study abroad offers, you compare your total study abroad cost (tuition, flights, and rent) against your expected salary and the number of years it will take to clear your loans.
Study Abroad Costs And Expenses in 2026
The average study abroad cost for Indian students in 2026 typically ranges between ₹15,00,000 to ₹20,00,000 annually. The exact amount depends on the country, university, and lifestyle.
Let’s check out how much does it cost to study abroad in India:
Tuition Fee
This is usually where most of your budget goes. Have a look at the average undergraduate/postgraduate tuition for international students in 2026:
Governments also have set a minimum bank balance you need to show for your student visa in 2026 to prove that you can survive the global inflation surge. The exact figure depends on the country you choose:
*US F-1 student visas do not need fixed proof of funds. Requirements are individualized via Form I-20 issued by your university’s Designated School Official (DSO), considering the first-year tuition, fees, and living expenses specific to your program and location.
Language Proficiency Fees
Most countries abroad require international students to prove that they are proficient in their national language:
Many countries mandate that international students have mandatory coverage, which is often annual and pro-rated by stay length. UK
Country
Annual Cost
UK IHS
₹83,361
Australia OSHC*
₹30,974
Germany*
₹1,90,812
*Estimated fee
It is important to note that neither the US nor Canada has a federally mandated health insurance requirement for international students on study permits. Coverage depends on the province and university you choose.
Visa Fees
The core visa application fee also slightly changes by country:
Note: These figures are calculated based on current currency values, so expect them to fluctuate as exchange rates change. Always cross-reference official government immigration websites for the most updated figures.
Factors That Influence Study Abroad ROI for Indian Students
Two students can study in the same country and still see completely different outcomes. Why? Because ROI depends on several factors, such as:
Course Selection
This is where ROI starts getting interesting. Some degrees naturally lead to better post-study earnings because industries actively need those skills.
To be more specific, fields like Artificial Intelligence, Renewable Energy, and Cybersecurity are currently seeing explosive growth. Graduates in these areas often secure study abroad salary outcomes that are way higher than traditional roles. This lets you pay back your education loans much faster.
Program Duration
One of the most effective study abroad benefits that improves ROI is the 1-year Master’s model common in the UK and Ireland. By finishing in 12 months, you save an entire year of study abroad expenses and enter the workforce a year earlier. This early start significantly increases your lifetime earnings.
Cost of Living
Many students only compare tuition fees. That’s a mistake. Your real study abroad cost and expenses include rent, food, transport, insurance, and currency exchange impact. A course that looks affordable on paper can become expensive in reality.
Job Market of The Country
The same degree can perform very differently across countries. Labor shortages, work visa policies, and hiring trends directly affect your return on investment in studying abroad. Government labor reports from countries like Australia, Germany, and Canada regularly highlight skill gaps, which is great news if your specialization matches those gaps.
Currency Value
This is something many students ignore while calculating the ROI of study abroad. If you earn in a stronger currency like USD, GBP, AUD, CAD, or EUR while your education loan is in INR, your repayment power increases significantly.
Even a moderate starting salary abroad can convert into a much larger amount in rupees. It lets you close loans faster and reduce the interest burden.
Regional and Industry Hubs
Location matters! Studying in a tech hub or financial capital puts you at the doorstep of the world’s biggest employers. Being close to the action improves your networking potential and post-study earnings.
Post-Study Work Rights
Post-study work windows matter more than students realize. A longer work visa gives you more time to get a job, stabilize finances, and improve ROI.
Hidden ROI Factors Most Students Ignore
While calculating study abroad ROI for Indian students, most usually focus only on fees and salary. But real ROI is deeper than that. If you ignore these hidden factors, your return on investment from studying abroad can change completely.
Skill Portability
Ask yourself: Can I use these skills anywhere in the world?
Study abroad programmes that teach universal frameworks, like Python for AI, IFRS for Finance, or Global Supply Chain Logistics, give you skill portability.
So, even if the job market in the UK slows down, you can pivot to Dubai, Singapore, or even back to India’s booming GCC (Global Capability Center) sector without losing a step. High portability = Lower risk = Higher ROI.
Industry Saturation Cycles
Some fields look hot today, but become crowded in 3-4 years. By the time you graduate, competition may explode. This directly affects salary and job speed. Therefore, always check hiring trends.
AI Automation Risks
When it comes to 2026, fresh graduates face an unexpected yet strong rival: AI. If your degree prepares you for tasks AI can easily automate, your ROI may shrink. Pick programs that focus on human-centric tasks that AI can’t touch: complex negotiation, ethical decision-making, and physical-world engineering.
Mental Health
If you burn out, your ROI becomes zero.
You can choose the best university, calculate every rupee of study abroad cost, and even pick a high-paying degree. But if academic pressure overwhelms you, everything slows down: grades drop and networking stops. And that directly affects your post-study earnings.
Cultural And Professional Integration
Networking, internships, and local communication style matter as much as university rankings. The faster you integrate into the job market culture, the stronger your international education ROI becomes.
When Study Abroad is Worth It?
In 2026, studying abroad in 2026 is worth it when the post-study salary in your host country allows you to recover your total investment within 24-36 months. Have a look at some scenarios where high overseas education ROI is guaranteed:
High Demand Skills
The secret to a high return on investment study abroad is simple: learn what the world is desperately missing. Here are the top 4 skill sectors where the demand is skyrocketing:
Artificial Intelligence (AI)
Look around. AI is now influencing almost all industries in the world, right from logistics to law.
According to a survey, AI model and application and AI literacy are now the hardest-to-find skills in the job market now. Companies are paying massive premiums for people who can build, manage, and ethically audit AI systems. Top AI Courses To Study in 2026
MS in Artificial Intelligence
M.Sc. in Machine Learning
MBA in AI Strategy
Cybersecurity
Data breaches are costing global firms billions. In countries like Australia and Canada, the shortage of cyber-analysts is so acute that starting salaries have jumped massively in recent years.
Ethical Hacking certifications paired with a CS degree
Sustainability and Renewable Engineering
As the world is racing toward Net Zero goals, Green Skills are now the need of the hour. Every major corporation now needs an ESG (Environmental, Social, and Governance) expert to meet legal climate mandates. There is a massive deficit of engineers who understand solar, wind, and green hydrogen tech.
Top Sustainability and Renewable Engineering
M.Sc. in Renewable Energy Engineering
MBA in Sustainability Management
MBA in Environmental Policy
Healthcare And Nursing
Healthcare is the most recession-proof and automation-proof sector you can enter.
Global aging populations in the UK, Canada, and Germany have created a permanent vacancy for nurses and allied health pros. And guess what? The sector offers the most stable and fastest path to permanent residency. Top Healthcare And Nursing Courses in 2026
Master of Nursing
Master’s in Public Health (MPH)
Master’s in Health Informatics
2. Countries With Strong PR Pathways
If your goal for studying abroad in 2026 is a permanent foreign settlement, then PR (Permanent Residency) matters a LOT. Here are the top 3 countries with the smoothest PR pathways for Indian students in 2026:
Canada: The Most PR-Friendly Country
If you ask most Indian students about overseas education ROI, Canada comes up first. And honestly? There’s a reason: Permanent Residence opportunities.
Steps To Get Canada PR
After graduation, you get a Post-Graduation Work Permit (PGWP), which lets you work full-time for 3 years.
Gain 1 year of Canadian work experience and enter the Express Entry pool under the Canadian Experience Class.
Canadian PR system works through a points-based system. You will get points based on your age, English score, Canadian education, Canadian work experience, and so on. More points = faster PR.
Fun Fact
Canada allows you to apply for citizenship after living there for just 3 out of 5 years as a PR. That’s one of the fastest ‘Student to Citizen’ timelines in the world!
Australia: Clear Skilled Migration Path
Australia is currently one of the most welcoming spots for skilled Indians. The country wants your talent to build its cities. Steps To Get Australia PR
You will be eligible for a Temporary Graduate Visa (18 months stay back) after studies.
Submit an Expression of Interest (EOI) through the SkillSelect portal and apply for State Nomination (190).
Just like Canada, you will have to go through a point-based system. To be invited, you need a minimum of 65 points.
Personalized Tip
Choosing a regional campus (like Adelaide, Perth, or the Gold Coast) is the ultimate ROI move. You get an additional +5 points for ‘Regional Study’ AND the +15 points for the Subclass 491 Skilled Regional nomination. That’s 25 points just for picking the right location!
Germany: The New European Frontier
Germany has completely rebranded its immigration rules in 2026 to beat its labor shortage. It’s now the easiest it has ever been for an Indian student to settle in the EU. Steps To Get Germany PR
Graduate from a German university (public universities have ₹0 tuition fee!)
Use your 18-month Job Seeker Visa to find a role.
Once you earn a certain salary (about €45,000+ annually for tech), you get the EU Blue Card. It allows you to live and work in Germany (and move to other EU countries later) with a streamlined process for you and your family.
If you learn German to a B1 level, you can apply for your Permanent Settlement Permit after working for just 21 months on your Blue Card. Wait 27 months if you only have a basic AI German level.
Did You Know?
Germany recently slashed the time required for citizenship from 8 years down to 5 years (and even 3 years if you speak great German). So, learn the language while you’re in India!
3. Lower Your Study Abroad Cost and Expenses With Scholarships
Let’s be honest: the best way to skyrocket your study abroad ROI for Indian students is scholarships. Have a look at some scholarships that offer the best financial backing for Indian students in 2026:
Indian citizen, accepted to a participating UK university for postgraduate course
Usually £10,000 for tuition fee funding
Job-Oriented Courses That Improve Study Abroad ROI for Indian students
If you want to ensure your study abroad in 2026 pays off, you need to look at programs that literally prepares you for the job market of the country. Check out some such top courses with best ROI abroad:
Shorelight Career Accelerator Program (CAP)
As the name suggests, CAP is a great plus for your career.
While studying the program, Shorelight’s CAP provides a dedicated career coach who helps you find CPT (Curricular Practical Training) internships before you even finish your first year.
Instead of waiting until graduation to look for work, you start building a US-based resume immediately. This leads to much higher study abroad salary outcomes because you’ve already ‘proven’ yourself to local employers.
Kaplan International Year One (IY1)
Kaplan IY1 allows you to complete your first year of a Bachelor’s in a supportive environment, but with a bonus: an Integrated Online Internship.
You graduate alongside direct-entry students but with professional experience already on your CV. This no-gap benefit means you hit the UK Graduate Route visa with a massive head start over other applicants. Did You Know?
Kaplan has legal progression agreements with its partner universities. If you pass the pathway, the university must take you into the second year!
Navitas Pre-Masters in Healthcare Leadership
Healthcare is currently one of the highest ROI study abroad majors for 2026 because the shortage of managers and administrators is massive. Navitas specializes in taking students (even those with a 3-year degree from India) and prepping them for senior roles in the global health sector.
This program puts you on the fast track to roles that offer some of the most stable PR pathways.
5. Top Universities To Study Abroad
Even though skills are king, a degree from one of the top universities for high ROI still acts like fast pass at a theme park. It gets you to the front of the hiring line at companies like Google, Tesla, and Goldman Sachs.
If you’re evaluating ROI for Indian Students Abroad, we’ve rounded up the top study abroad universities in 2026:
No doubts. Studying abroad is powerful. Life-changing.
It is NOT automatically a smart decision for everyone. To keep your International education ROI in the green, you need to watch out for these 4 major money traps:
High Debt, Low Demand Combo
Taking a ₹50 Lakh loan for a course that has been heavily automated by AI is an ROI nightmare. In 2026, generalist degrees without a tech or niche edge are seeing slower hiring.
If your study abroad expenses are so high that it will take you more than 7-10 years to break even, you’re looking at Negative ROI.
Blind Focus on University Prestige
Many Indian families focus solely on a university’s global rank. But the truth is that a top-100 university in a city with zero job placement support is often a worse investment than a mid-tier college in a lively tech hub. Fun Fact
Some of the highest-paid graduates in 2026 didn’t go to Ivy Leagues; they just went to specialized schools located right next to the companies that hire them!
When You’re Not Mentally Prepared
Studying abroad looks exciting.
But reality includes:
Homesickness
Cultural shock
Academic pressure
Part-time work stress
If you’re not emotionally prepared, everything goes down. Burnout = Poor grades = Weak job chances = Lower ROI.
When PR Chances Are Weak
Let’s be realistic. Recovering your study abroad expenses is a long-term financial commitment that usually takes a few years of solid earnings to fully break even.
Sometimes, even when you play all your cards right (you pick a top-tier course, ace your exams, and land a great placement), your PR goal post may simply move.
Immigration rules change from time to time. A skill that’s in high demand today might be labeled saturated by the time you graduate. If your profile isn’t on the preferential skills list when your stay-back period ends, you might find yourself heading back to India sooner than planned.
Personalized Tip
Always have a Plan B destination. Look at how that degree is respected globally. If you’ve worked for a year in a top firm abroad, you’ve already recovered a significant chunk of your investment risk through professional branding!
When the Same Degree in India Gives Better ROI
What if the best decision is to stay in India itself? Well, sometimes it is.
If:
The field has a strong demand locally
Fees abroad are extremely high
Salary difference isn’t dramatic
Then, overseas education may not be a good decision.
Tips To Improve ROI of Study Abroad in 2026
If you’re looking for the best course with the highest ROI to study abroad, you already know that the university name is just the beginning. You need to go through many other factors to generate real returns.
Check out some actionable strategies to skyrocket your international education ROI:
Pick Regional Cities For Study
Most students flock to Sydney, London, or Toronto. There’s nothing wrong with it. But moving to such urban cities just drive up your study abroad expenses.
When it comes to studying abroad in 2026, the best decision is to move to regional hubs.
Growing cities like Adelaide, Perth (Australia), or Leipzig (Germany), have many reputed universities and giant companies.
You get the exact same degree, but your rent can be significantly lower. In Australia, studying regional also grants you an extra 1-2 years of post-study work rights (Subclass 485), giving you more time to earn in AUD and clear your loans.
Intern From Semester 1
Most international students seek part-time jobs in hotels, petrol pumps, supermarkets, and so on, that’s totally unrelated to their industry just to cover their expenses.
That’s a big mistake. You’re actually wasting your valuable time that could be used to build ‘relevant experience’.
Right from the first year, you’re supposed to seek internships, as it:
Improve job conversion rates
Increase starting salary
Expand PR eligibility in some countries
In countries like Canada and Australia, local work experience increases immigration points. Personalized Tip
Don’t limit yourself to campus jobs. Look for relevant remote freelance gigs listed on Upwork or LinkedIn. You earn in a strong currency and gain work experience while sitting in your dorm room.
Reduce Living Cost Strategically
Everyone talks about tuition. But the real spoiler is living costs. You can bring it down to a great extent through:
Sharing accommodation with classmates
Using apps like Too Good To Go (UK/Europe/USA) or Karma to buy high-quality surplus food from cafes and supermarkets at great discounts
Platforms like Gumtree (Australia), eBay Kleinanzeigen (Germany), or local Facebook Freecycle groups. Many graduating students literally give away beds, desks, and cycles for free just to avoid “move-out” fees.
Target Universities With Strong Industry Placement Data
Leave the ranking obsession and check:
Graduate employment rate (official university report)
Average salary by major
Industry partnerships
Many universities publish employment outcomes or you can collect these from trusted websites like:
Yes, but only if you choose a high-demand course with the highest ROI to study abroad, like AI, Cybersecurity, or Healthcare. A strategic degree can still lead to post-study earnings that clear your education loan within 2-4 years.
2. How to calculate ROI for studying abroad from India?
Add tuition, living costs, visa, and travel expenses. Then divide that by your expected annual savings after graduation. This simple formula helps measure your return on investment study abroad.
3. Which courses offer the highest ROI abroad?
STEM fields, healthcare, finance, and data-related programs are often among the most popular degrees that offer high ROI for Indian students abroad due to strong job demand and salary growth.
4. Do scholarships improve study abroad ROI?
Absolutely! Scholarships are the ultimate ROI boosters because they directly slash your study abroad expenses. By lowering the principal amount of your investment, you reduce your loan interest and significantly shorten your debt-free timeline.
Conclusion
Studying abroad in 2026 is a high-stakes financial move. You are putting your family’s years of hard-earned savings into a ‘career asset’. You need to be sure that this asset pays you back in a strong currency like Dollars, Pounds, or Euros.
But let’s be real: trying to handle these 2026 visa shifts and saturated course lists alone is a massive risk. One wrong choice could mean packing your bags and heading back before you’ve even cleared your loan.
That’s exactly where The Chopras comes in. We’ve decades of experience guiding Indian students to maximize their international education ROI. Connect with us now to know more!
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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.
Our grievance / nodal officer may be contacted at:
The Chopras Global Holdings PTE Ltd
192 Waterloo Street,
Skyline Building,
#04-03,
Singapore - 187966
Privacy Policy
Privileged and confidential
Privacy Policy | September 6, 2021
INTRODUCTION
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.
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.
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
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, 192 Waterloo Street, #04-03, Skyline Building, Singapore 187966; by phone at +65 9825 6174 or by e-mail at hello@thechoprasglobal.com.
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.
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.
Additional Information
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
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.
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.
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.
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
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:
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.
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.
When you participate in other promotional activities (e.g. sweepstakes, referral programs, or competitions), relevant info will be used to administer these promotions.
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.
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.
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
