Study Abroad in 2025–2026: Opportunities and Challenges

Global Ed

September 26, 2025

The dream of studying abroad is a powerful one, filled with promises of international connections and high-quality education. But if you want to make this dream come true in 2025–2026, you’ll have to deal with a new reality that comes with some challenges you’ve never faced before.

Recent headlines have painted a picture of rising anxieties. Take the case of Canada, for example. In 2025, Canada rejected nearly 62% of study permit applications. Indian applicants are facing rejection rates of up to 80%.

But that’s just one side of the story. Many countries are also opening up more direct pathways to skilled migration for international students. Clearly, the focus is changing from mere numbers to attracting genuine students.

You may be feeling both excited and unsure, wondering if your global education is still within reach. We’re here to tell you that it absolutely is. We will guide you through all immigration policy changes in 2025, and provide actionable advice to help you succeed.

In this blog, you will read about:

Study Abroad in the UK 2026: Challenges and Opportunities You Must Know
Study Abroad in Canada 2026: Challenges and Opportunities You Must Know
Study Abroad in Australia and New Zealand 2026: Challenges and Opportunities You Must Know
Study Abroad in the US 2026: Challenges and Opportunities You Must Know
Study Abroad in Germany 2026: Challenges and Opportunities You Must Know
Frequently Asked Questions (FAQs)
Conclusion

Study Abroad in the UK 2026: Challenges and Opportunities You Must Know

The UK has long been a dream destination for international students due to its world-class universities and diverse culture. But if you want to study here in 2025–26, be prepared: immigration rules are changing in big ways.

The government released its White Paper on Immigration Reform in July 2025. It is a plan for stricter rules that will affect students and graduates (UK Parliament
Commons Library).

Challenges of Studying in UK

Some of the major changes proposed in the reform are:

Graduate Route Cut Short

Starting January 2026, most international students who finish their degrees will be able to stay and work in the UK for 18 months only, instead of 2 years, unless they are in PhD programs. This makes it harder to gain long-term UK work experience.

Dependents Restricted

New rules state that most taught master’s students can’t bring dependents, which makes family planning hard for many.

Higher Compliance Requirements

Even universities are getting affected by the new rules for UK immigration. They now face stricter compliance requirements with increased Basic Compliance Assessment thresholds requiring 95% enrollment rates, 90% course completion rates, and keeping visa refusal rates below 5%. If your university fails these metrics, it risks losing its sponsor license entirely. So, naturally, UK universities are likely to be more stringent in their application process.

UK’s Immigration Policy Highlights: Changes for Skilled Workers

The minimum salary threshold for a Skilled Worker visa has been raised, and the skills requirement has been increased to a degree level. This means many jobs previously open to graduates are no longer eligible for sponsorship.

Tips To Apply For a UK Student Visa in 2026

Plan your course of study carefully. Think about programs that lead to jobs on the new Immigration Salary List now that there is more emphasis on higher-skilled jobs.
If you apply early, you’ll have more time to get your financial proof, meet language requirements, and get your documents ready. Universities also make conditional offers, which give breathing room for IELTS re-takes, if needed.
Don’t just try to get an IELTS score of 6.0 or 6.5. Going for a higher band can significantly lower the chances of visa rejection.

Did You Know?

Regional universities in Scotland and Northern Ireland often have lower tuition and living costs, as compared to big cities like London. Some even offer stronger job connections.

Latest UK Student Visa Updates

Electronic Travel Authorisation (ETA) – From 16 July 2025, some travellers from the Republic of Ireland making local journeys to the UK must have an ETA (applies if they entered Ireland from outside the Common Travel Area or their Irish leave has expired; excludes S2 Healthcare Visitors).
Student & Graduate Dependants – From 16 July 2025, a dependant’s application is valid only if the main Student/Graduate applicant’s visa is approved.
Skilled Worker Route – From 22 July 2025, only jobs at RQF level 6 or above qualify for new Skilled Worker visas (about 180 roles removed from eligibility).
Transitional Protections – Those already sponsored or holding Skilled Worker visas before the change can continue applying under the old rules.

Why Study in the UK in 2026?

Why pick the UK now, though, when the new rules for UK immigration seem to be stricter? Well, there are still special chances in 2026 that make it worth it:

High Number of Student Visas Granted

Despite all these stricter rules, the Government of the UK officially states that the authorities issued 431,725 sponsored study visas in 2025. It shows strong intakes even after reforms. Opportunities are still open!

New Digital Visa System

The new digital e-visa system, which started in the middle of 2025, makes it easier to manage the UK student visa processing application and is much more convenient for international students.

Salary Growth

As per a BridgeWater report, the average salary rates across the UK are witnessing a sharp increase. Graduate salaries have increased to an average of £28,000 in 2025, up from £27,000 in 2024.

Top Universities With Generous Scholarships

The UK remains the top choice for those seeking a high-quality education, boasting numerous globally ranked universities, including Oxford, Cambridge, and Imperial College London. Most of them continue to offer generous scholarships and financial aid packages in 2026. They can reduce your study abroad costs to a great extent.

Study Abroad in Canada 2026: Challenges and Opportunities You Must Know

Canada, long seen as one of the most welcoming destinations for international students, is currently in a period of change. Recent changes to immigration rules 2026 have made the application process harder by adding another level of scrutiny.

Challenges of Studying in Canada

Reduced Study Permit Cap

According to the Government of Canada, the country has capped total study permits at just 437,000 for 2025, representing a 10% decrease from 2024’s already reduced cap. This follows a brutal 40% reduction implemented in 2024. So, Canada is accepting less than half the international students it welcomed just two years ago.

Higher Rejection Rates

As mentioned earlier, 62% of all study permit applications were refused between January and July 2025. That’s the highest student visa rejection rate in the last decade.

Study Gaps Leading to More Rejections

The rejection rates are even higher for those with a study gap, especially for more than six months of an unjustified gap. If you do have a gap, it’s important to build a strong explanation in your Statement of Purpose (SOP) and back it up with relevant documents.

Provincial Attestation Letter (PAL)

Most new applicants now require a Provincial Attestation Letter (PAL) from their province of study. It often requires university approval and full tuition payment before you can even apply for your visa.

Housing Shortage

Many international students are struggling to find affordable rentals with record housing shortages in cities like Toronto and Vancouver. So, naturally, many are going for on-campus accommodation options. It’s way more affordable and offers a ready-made support system that every international student initially needs to settle down.

Stricter PGWP and Provincial Visa Caps

Another challenge is that the rules for the Post-Graduation Work Permit (PGWP) are getting stricter, and some provinces are putting their own limits on international student visas. So, it’s important to choose your course and province wisely.
Some provinces are actively adding immigration pathways for students to their Provincial Nominee Programs (PNPs), especially in fields where there aren’t enough workers. For example, applying in provinces like Manitoba or Saskatchewan may give you a much better chance of getting both a study permit and permanent residency than applying in areas that are already very crowded, like Ontario.

Proof of Funds Requirement

Earlier, many students could get away with just declaring that they had sufficient funds in generic forms or affidavits. But now, IRCC explicitly requires a more concrete proof in the form of bank statements (past 4 months), proof of funds transferred into a Canadian bank account (if applicable), loan/tuition/housing payment receipts, etc. If you don’t provide these, your application has a much higher chance of rejection.

Fun Fact

International students contribute over CAD 22.5 billion to the Canadian economy. No wonder they’re seen as an important part of the country’s future. Canada simply can’t afford to ignore them!

Tips To Apply For a Canada Student Visa in 2026

Make sure your chosen college is on the updated DLI list, as applications tied to non-compliant institutions face automatic refusal.
Your Statement of Purpose (SOP) needs to be more convincing than ever. Clearly explain why you want to study, what you want to do after you graduate, and how the program you chose will help you reach those goals.
IRCC increased financial requirements for 2025. Instead of the earlier CAD 10,000, students must now show CAD 20,635 for living expenses (outside tuition). You can submit GICs from recognized banks to strengthen your profile.

Why Study in Canada in 2026?

Even though the new rules for Canada immigration are a bit stricter, the country continues to open doors in areas that matter most to students:

Focus on In-Demand Sectors

Canada is making a significant effort to hire individuals with skills in high-demand fields. New pilot programs, like the Rural Community Immigration Pilot and pathways for people in healthcare and skilled trades, make it easier to get permanent residency.
Similarly, the government started a new category-based draw system for Express Entry. It gives priority to international graduates with degrees in STEM and healthcare.

Francophone Immigration

Canada wants to increase the number of Francophone immigrants, with a goal of representing them by 8.5% of Permanent Residents in 2025. If you can speak French, you have a lot of job and residency options outside of Quebec.

More Provincial Support

Alberta and Nova Scotia are giving international graduates extra help with settling in and bonuses for staying in the province. For instance, Nova Scotia announced the Graduate Retention Rebate, a financial incentive program where graduates can reduce their provincial income taxes by up to CAD $15,000 over six years.

Favorable Job Market Conditions

Canada is going through a severe labor shortage across many critical sectors. The country faces a shortage of 33,506 Registered Nurses (RNs) and 13,132 licensed practical nurses. And when it comes to the technology sector, ICTC (Information and Communications Technology Council) forecasts Canada needs an additional 250,000 digitally skilled workers by 2025. All these create highly lucrative job opportunities for international graduates.

Study Abroad in Australia and New Zealand 2026: Challenges and Opportunities You Must Know

Aiming for a study abroad in Australasia? Well, prepare yourself: the rules are changing fast. Just like New Zealand, Australia is implementing significant immigration policy changes, and international students are in the thick of it.

Challenges of Studying in Australia and New Zealand

Surge in Application Fee

From July 2025, the cost of an Australian Student Visa (subclass 500) was increased from AUD 1,600 to AUD 2,000.

Increase in Proof of Funds

International students now must show AUD 29,710 (75% of the national minimum wage) as proof of funds. Earlier, it was just AUD 24,505.

Temporary Graduate visa (485) Restriction

The Temporary Graduate visa (485) has been slashed: bachelor’s graduates now receive only 2 years instead of 4, master’s graduates get 2 years instead of 3, and PhD holders are limited to 3 years instead of 4. And the maximum age has been lowered to 35 for most streams. However, research students and some passport holders are still able to apply.

GTE Requirement

The Australian Government has replaced the former Genuine Student (GS) requirement with the Genuine Temporary Entrant (GTE). It’s far more rigorous and requires stricter scrutiny of your ties to your home country. You need a well-structured essay to clearly explain how the course helps you to achieve your ambitions and intention to return to India.

New Visa Requirement

Earlier, if you switched your university or dropped a degree level (say from a Bachelor’s to a Diploma) in New Zealand, you might have been able to do a variation of your visa conditions. Now, you need to apply for a new student visa. Transitions will be much harder!

Tips to Apply For an Australian/New Zealand Student Visa in 2026

If you opt for New Zealand, pick programs and providers that meet PSWV eligibility criteria. Avoid ones with complicated credit transfers unless you know exactly how they’ll affect your job permit length.
When it comes to Australia, focus on courses listed on the Medium and Long-term Strategic Skills List (MLTSSL) or Short-term Skilled Occupation List (STSOL) for 485 visa eligibility in Healthcare, engineering, or IT fields.
As the scrutiny level comes at an all-time high after Australian immigration changes, make sure that your financial documents are flawless. Bank statements must show funds held for at least three consecutive months before application.
Apply during Australia’s intake periods (February-March for the first semester, July-August for the second semester) when universities have more availability and processing capacity.

Did You Know?

Australia now accepts nine different English Language Tests (ELTs), as opposed to the previous five.

The nine accepted English Language Tests accepted by most of the Australian universities today, are:

IELTS Academic
IELTS General Training
Pearson Test of English Academic (PTE Academic)
TOEFL iBT
Occupational English Test (OET)
Cambridge English: Advanced (C1 Advanced)
CELPIP General
LanguageCert Academic
Michigan English Test (MET)

Latest Australia and New Zealand Student Visa Updates

Australia has secured a spot among the world’s top countries for future-ready education, according to the QS World Future Skills Index 2025. The Australian government has also announced an increase in its international student cap from 270,000 to 295,000 in 2026. As part of its broader strategy to strengthen educational and workforce ties with South Asian nations, Australia is creating more streamlined opportunities for Indian students to study, work, and build careers in the country.
And when it comes to New Zealand, here are some of the few changes to note:

More Work Hours on New Visas: From 3 November 2025, eligible tertiary and senior secondary students with new student visas can work up to 25 hours a week during the semester (up from 20 hours). This applies to all new visas granted on or after this date, even if the application was submitted earlier.
Current Visa Holders: If your visa says 20 hours/week, you’ll need to apply for a change (variation of conditions or a new visa) to work 25 hours. Extra fees apply.
Exchange/Study Abroad Students: All tertiary students on approved exchange or Study Abroad programs (even for 1 semester) can now work while studying.
Changing Course or College: If you switch your university or move to a lower level of study, you’ll need to apply for a new student visa, not just change your current one.
School Students (Years 12–13): Still need permission from parents and school to work up to 25 hours per week.
No Pressure to Change: If your course is ending soon or you prefer to wait, you don’t have to apply for the extra work hours now. You can do it when you apply for your next visa.

Why Study in Australia Or New Zealand in 2026?

Increased Work Hours During Study

From November 3 2025, international students can work up to 25 hours per week (up from the previous 20-hour restriction). That will let students have some extra income to cover rent, food, and other costs.

Increased Student Cap

Despite all concerning changes, the Australian government has announced a major increase in international student places. The number of spots for international students in 2026 is 295,000. It’s a 9% increase from the 2025 cap of 270,000 students!

Focus on Family Reunion Pathways

The Australian government has also kept the family stream open, with 52,500 spots available for 2025-26, and made the process for applying for a partner visa easier.

Long-Term Advantages

Australia’s powerful economy and stable political system offer many significant long-term benefits that justify the initial visa challenges. Plus, the Australian dollar is relatively stronger. That means you can build wealth faster than in many other countries.

Fun Fact

Australia has the highest minimum wage in the world at AUD $23.23 per hour! Even part-time work as an international student (20 hours/week) can earn you AUD $24,160 annually. That’s way more than many full-time jobs in developing countries!

Study Abroad in the US 2026: Challenges and Opportunities You Must Know

The United States remains as the best place to study abroad. Yet, the pathway is getting more complex with new US immigration policies.

Challenges of Studying in the US

No Visa Appointment Slots

Many students in India report that visa appointment slots in Delhi have disappeared for months. The backlog and non-availability make it appear closed in practice. This has caused students to miss fall intake deadlines.

Possibility of OPT Period Reduction

There is a legislative push for the Fairness for High-Skilled Americans Act of 2025 (H.R. 2315). It aims to abolish OPT and any successor work programs unless Congress explicitly authorizes them.
Also, Joseph Edlow, USCIS Director nominee, has proposed curbing post-graduation work authorization under OPT in hearings. That would mean reducing the OPT period for F-1 students who want to work after graduation.

No Third-Country Visa Stamping

Earlier, Indian students studying in the U.S. could have their visas stamped to move to other countries, such as Canada, Mexico, and so on. From now on, you will need to go back to your home country to apply for a visa to another country.

Tips to Apply For a US Student Visa in 2026

It could take weeks or months for visa interview slots to open up. As soon as you get your I-20, start your application. For new information, keep an eye on the U.S. consulate’s official scheduling system.
Practice answering common F-1 visa interview questions because interview waivers are going away. Be ready to clearly explain your plans for school, your desire to go back home, and your financial readiness.
Proof of funds, transcripts, and information about the sponsor must all be perfect. Even small mistakes can cause delays or refusals. You must double-check all SEVIS and DS-160 details before submission.

Did You Know?

US authorities now require applicants to provide five years of social media history as part of the vetting process. So, make sure that your posts, reels, and everything that you post on social media, stay professional.

Latest US Student Visa Updates

For Indian students planning to study in the U.S. for the 2025–2026 academic year, managing your online reputation is just as important as your academic credentials. Due to tightening immigration rules and evolving visa policies, prospective international students applying for F-1 student visas, M-1 vocational visas, and J-1 exchange visitor visas must now go through the mandatory social media screening. This means U.S. immigration officers will review your online activity during the digital vetting process. To improve your chances of visa approval, ensure your profiles are professional, free from controversial or inappropriate content, and reflect a respectful digital presence.

Why Study in the US in 2026?

Even though some rules are getting stricter, the US is still the best study abroad destination for Indian students due to many reasons, like:

STEM Workforce Shortage

Even though there are visa restrictions, the US has a serious shortage of STEM workers, which is good news for international graduates. According to the American Immigration Council, foreign-born workers make up 23.1% of all STEM professionals because 49.3% of them have advanced degrees (more than double that of just 21.8% of US-born STEM workers). This gap in education gives qualified international graduates many great job opportunities.

Better Opportunities

Silicon Valley is getting too crowded, but new tech hubs have great opportunities with less competition. Austin, Raleigh, Columbus, Denver, and Charlotte aggressively recruit international students with higher packages.

Pathways To Skilled Migration

The US is changing some of its student visa rules to better match the needs of AI, engineering, and healthcare workers. The system is tougher at the beginning, but it favors students in fields that are in high demand, which is something international students can take advantage of.

Study Abroad in Germany 2026: Challenges and Opportunities You Must Know

For a long time now, Germany has been one of the top study destinations for international students due to the world-class educational opportunities and low tuition fees. But a new phase of the Skilled Immigration Act and other policy changes have made things more selective.

Challenges of Studying in Germany

Stricter APS Certificate Process

Now, the Akademische Prüfstelle (APS) certificate is required for Indian students to verify their academic documents. The system’s long processing times have led to delays in visa applications.

Increase in Block Account Funds

The cost of living in Germany is going up, and so is the amount you need to show for your visa application. The minimum amount for a blocked account as of September 1, 2024, is €11,904 for a one-year visa. This is €696 more than the previous year.

Stricter Visa Appeals

Germany has abolished the ‘Remonstration Procedure’, an informal way to appeal a rejected visa. Students will now have to go through official legal channels, which will make the appeal process longer and more complicated.

Tips to Apply For a German Student Visa in 2026

At least 3–4 months before your visa interview, open your blocked account. If you can’t deposit €11,904 right away, look into German-approved student loans. Having the money ready ahead of time will help you avoid last-minute rejections.
Even if your program is in English, you need to show that you know some German (A2–B1). This makes your case stronger by demonstrating integration intent, which is something the German immigration authorities are prioritizing now.
German consulates in India (Delhi, Chennai, Mumbai, Kolkata) are often fully booked months in advance. As soon as you get your acceptance letter, sign up, because rescheduling is almost impossible.

Latest Germany Student Visa Updates

For the German student visa process, it is mandatory to create a blocked account, which serves as proof that the student can cover their living expenses while in Germany. Earlier, the required amount was €11,208. However, since January 2025, the required amount for the blocked account has increased to €12,324 per year, approximately €1,027 per month (DAAD). This is a rise from the previous requirement of €11,208. Students planning to apply for a visa in 2025-2026 should make sure to budget for this higher amount.

Why Study in Germany in 2026?

Gratis Student Visa

As part of a cultural exchange initiative, a new India–Germany agreement in 2025 allows Indian students applying for short-term academic programs to get free visas (no application fee).

High Retention Rate

According to an OECD survey, nearly 45% of international graduates remain in Germany 10 years after graduation, which is one of the highest rates in the world.

Low Fee Burden

Most public universities still don’t charge tuition, even for students from outside the EU. That makes Germany one of the most affordable study abroad destinations.

Lower Salary Limits for EU Blue Card

Getting an EU Blue Card is now easier than ever for graduates. As of 2025, the minimum annual salary for an EU Blue Card has been lowered to €43,759.80 for recent graduates (within the last three years) in fields with a shortage of workers, such as IT, engineering, and healthcare. This makes it a very appealing option.

Frequently Asked Questions (FAQs)

1. Can I bring my family with me while I study?

It depends on the country. Australia and Canada allow dependents in with stricter financial proof. But in 2024–25, the UK made the rules stricter, so most students (except postgraduates on research programs) can’t bring their families.

2. Has the cost of studying abroad changed for 2025–26?

Yes, costs have gone up. But this is pretty normal since visa fees and living proof amounts are adjusted to match inflation. What you must think about is the ROI (Return on Investment) when you return to your home country with a foreign degree.

3. What fields of study will be most popular in 2025–26?

Healthcare, STEM (science, technology, engineering, and math), data analytics, and AI are all very popular right now.

4. Why are visa refusal rates higher nowadays?

Governments are being more selective in managing the rising number of applications. Your chances still stay strong with the right paperwork and qualifications.

Conclusion

Yes, immigration policies in the UK, Canada, and Australia are changing. But think of this way: these are just some filters to keep the system balanced. And it’s nothing new. Every country adjusts its rules from time to time to match demand and sustain opportunities for genuine students.

In fact, the changing immigration policies across the UK, Canada, and Australia just push students to prepare better. If you take the time to understand the new requirements, you’ll reap its benefits with better career opportunities.

At The Chopras – TC Global, we’ve been helping students like you handle the shifting visa rules across nations for decades. Experts at our firm always stay current on the latest updates and will guide you through everything, without missing out on a single detail. Get started with us today!

Search

Filed under:

Global Ed

Back to insights

Privileged and confidential

Terms of Use | August 24 2021

THE CHOPRAS GLOBAL HOLDINGS PTE LTD ("TC GLOBAL")
END USER LICENSE AGREEMENT AND TERMS OF USE

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THE SERVICES OFFERED BY TC GLOBAL. THESE TERMS OF USE SET FORTH THE LEGALLY BINDING TERMS AND CONDITIONS FOR YOUR USE OF THE WEBSITE AT https://tcglobal.com ("THE "SITE") AND THE SERVICES, FEATURES, CONTENT, APPLICATIONS OR WIDGETS OFFERED BY TC GLOBAL ("SERVICE").

For the purposes of these Terms of Use, "TC Global" shall be deemed to include The Chopras Global Holdings Pte Ltd and/or its affiliates.

Acceptance of Terms

By registering for and/or using the Service in any manner, including but not limited to visiting or browsing the Site, you agree to all of the terms and conditions contained herein ("Terms of Use") and all other operating rules, policies and procedures that may be published from time to time on the Site by TC Global, each of which is incorporated by reference and each of which may be updated by TC Global from time to time without notice to you in accordance with the terms set out under the "Modification of Terms of Use" section below. In addition, some services offered through the Service may be subject to additional terms and conditions specified by TC Global from time to time; your use of such services is subject to those additional terms and conditions, which are incorporated into these Terms of Use by this reference. These Terms of Use apply to all users of the Service, including, without limitation, users who are contributors of content, information, and other materials or services on the Site, individual users of the Service, venues that access the Service, and users that have a page on the Service.

Access

Subject to these Terms of Use, TC Global may offer to provide the Services, as described more fully on the Site, and which are selected by you, solely for your own use, and not for the use or benefit of any third party. Services shall include, but not be limited to, any services TC Global performs for you, any applications or widgets offered by TC Global that you download from the Site or, subject to the terms set out under the "Third party Sites and Services" section below, from third party application stores (eg. App Store, Play Store or Google Apps Marketplace) authorized by TC Global, as well as the offering of any materials displayed or performed on or through the Services (including Content (as defined below)).

Registration and Eligibility

You are required to register with TC Global to browse the Site, view Content and access the Services only and represent, warrant and covenant that you provide TC Global with accurate and complete registration information (including, but not limited to a user name ("User Name"), e-mail address and/or mobile telephone number and a password you will use to access the Service) and to keep your registration information accurate and up-to-date. Failure to do so shall constitute a breach of these Terms of Use, which may result in immediate termination of your TC Global account. We recommend, but do not require, that you use your own name as your User Name so your contacts can recognize you more easily. You shall not:

Create any account for anyone other than yourself without such person's permission.
Use a username that is the name of another person with the intent to impersonate that person.
Use a username or TC Global account that is subject to any rights of a person other than you without appropriate authorization.
Use a username that is a name that is otherwise offensive, vulgar or obscene or otherwise unlawful.

TC Global reserves the right to refuse registration of, or cancel a User Name at its sole discretion. You are solely responsible and liable for activity that occurs on your account and shall be responsible for maintaining the confidentiality of your TC Global password. You shall never use another user's account without such other user's prior express permission. You will immediately notify TC Global in writing of any unauthorized use of your account, or other account related security breach of which you are aware.

You represent and warrant that if you are an individual, you are of legal age to form a binding contract, or that if you are registering on behalf of an entity or a minor, that you are lawfully authorized to enter into, and bind the entity or yourself (as the legal guardian of the minor) to, these Terms of Use and register for the Service. The Service is not available to individuals who are younger than 10 years old. TC Global may, in its sole discretion, refuse to offer the Service to any person or entity and change its eligibility criteria at any time.

You are solely responsible for ensuring that these Terms of Use are in compliance with all laws, rules and regulations applicable to you and the right to access the Service is revoked where these Terms of Use or use of the Service is prohibited and, in such circumstances, you agree not to use or access the Site or Services in any way.

If you use a mobile device, please be aware that your carrier's normal rates and fees, such as text messaging and data charges, will still apply. In the event you change or deactivate your mobile telephone number, you agree that you will update your account information on the Services within 48 hours to ensure that your messages are not sent to the person who acquires your old number.

Content

All Content, whether publicly posted or privately transmitted, is the sole responsibility of the person who originated such Content. TC Global cannot guarantee the authenticity of any Content or data which users may provide about themselves. You acknowledge that all Content accessed by you using the Service is at your own risk and you will be solely responsible and liable for any damage or loss to you or any other party resulting therefrom. For purposes of these Terms of Use, the term "Content" includes, without limitation, any location information, video clips, audio clips, responses, information, data, text, photographs, software, scripts, graphics, and interactive features generated, provided, or otherwise made accessible by TC Global on or through the Service. Content added, created, uploaded, submitted, distributed, posted or otherwise obtained through the Service by users, including Content that is added to the Service in connection with users linking their accounts to third party websites and services, is collectively referred to as, "User Submissions".

TC Global Content

The Service contains Content specifically provided by TC Global or its partners and such Content is protected by copyrights, trademarks, service marks, patents, trade secrets or other proprietary rights and laws, as applicable. You shall abide by and maintain all copyright notices, information, and restrictions contained in any Content accessed through the Service.

Subject to these Terms of Use, TC Global grants each user of the Site and/or Service a worldwide, non-exclusive, non-sub licensable and non-transferable license to use, modify and reproduce the Content, solely for personal, non-commercial use. Use, reproduction, modification, distribution or storage of any Content for other than personal, non-commercial use is expressly prohibited without prior written permission from TC Global, or from the copyright holder identified in such Content's copyright notice, as applicable. You shall not sell, license, rent, or otherwise use or exploit any Content for commercial (whether or not for profit) use or in any way that violates any third party right.

User Submissions

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

192 Waterloo Street, #04-03, Skyline Building, Singapore 187966

Our grievance / nodal officer may be contacted at:

The Chopras Global Holdings PTE Ltd

192 Waterloo Street,

Skyline Building,

#04-03,

Singapore - 187966