The Hardest Degrees In The World: Ranking of Majors

Global Ed

Today we look at some of the hardest degrees in the world. While what’s hard may be a matter of perspective – because what’s difficult for one, may not be for another, there are some degrees that are generally accepted as being the hardest ones.

This list is not meant to deter or demotivate in any way, but to ensure you enter the field mentally prepared for what’s coming your way.

So, in this article, we will be looking at

Would you earn more if you study one of the toughest courses in the world?
What is the Hardest Degree in the Guinness World Record?
What are the most difficult university degrees in the world??
How to get into the toughest courses in the world with TC Global?

Would you earn more if you study one of the toughest courses in the world?

In school, we all have argued over which subject or which exam was harder than the others. (I was a kid who found PT the hardest.) We all have strengths and weaknesses. Some might have an aptitude for logic while some might be oriented toward languages or humanities. Then, how does one come to a consensus on this?

We begin with a disclaimer. There is no authoritative answer to this question. One cannot scientifically or objectively prove that ‘X’ is the most difficult course. However, based on the efforts that each course demands and popular student opinion, we can get a sense of some of the most challenging courses in today’s academia.

Incredibly challenging and incredibly rewarding? Yes. Does it translate proportionally in terms of compensation? The answer is both yes and no. There are a number of factors at play here. The one thing we can tell you for sure is, over the years, with more experience, your return on investment is going to be great. You will be at the top of your field, carving a niche for yourself. Will you start at a higher pay grade, compared to the graduates of the other courses? That also depends on the university you graduate from, your academic performance, and what other skills you have to offer.

What is the Hardest Degree in the Guinness World Record?

The hardest degree in the world according to the Guinness Book of World Records is none! Nope, we aren’t pulling your leg. Here’s the story.

If you look up “most difficult degree” or any variant of it, Google will throw a bunch of websites at you that claim that the Bachelor of Science in Nursing (BSN) is the toughest course, according to the Guinness Book of World Records.

However, when you dig into the official website of Guinness, there is no record of such an award ever being given out. The reason is simple. Guinness awards are based on objective measurements. The difficulty is not something that can be objectively measured. The BSN course being associated with this tag is a result of a poll conducted on social media.

So, there is no official course called the hardest degree in the world. That does not go on to say that nursing is easy. In fact it is one of the courses listed below.

What are the most difficult university degrees in the world?

There is a set of criteria we look at, to determine why certain courses are tagged tougher. We look at the sheer volume of knowledge a student has to assimilate + the effort put in to shine academically + the number of applicants worldwide + the interdisciplinary features + the skill sets required + popular student opinion. Based on that, the toughest degrees are:

15. Foreign Languages
14. Psychology
13. Statistics
12. Chemistry
11. Physics
10. Engineering
09. Mathematics
08. Chartered Accountancy
07. Astrophysics
06. Quantum Mechanics
05. Law
04. Aerospace/ Aeronautical Studies, Engineering
03. Biomedical Studies, Neurosciences, Biochemistry
02. Nursing
01. Dentistry, Medicine

15. Foreign Languages

Learning a foreign language is challenging for many reasons. You are not simply learning a second language but also the culture, lifestyle and even the history of a land that is completely foreign to you. Research also shows that studying a foreign language enhances memory, lateral and critical thinking abilities, and builds an aptitude for problem-solving. In today’s globalized world, we are not limited by the borders of our nations. Knowledge of a foreign language and its literature helps you find better footing as a global citizen.

Here are the top 5 foreign language choices for 2024.

Chinese (Mandarin): About 1.2 billion people in the world speak the language and China is one of the centers of the world economy.
Spanish: Over 550 million people in the world speak Spanish. About 12% of the U.S. population uses Español at home. A knowledge of Spanish will allow you to travel or live comfortably in Spain, Mexico, Costa Rica, and large parts of the South American Continent.
Korean: With Korea’s increasing presence in the global political, economic and cultural spheres, learning Korean will also increase your chances of finding employment opportunities abroad.
French: French is the second most widely learned foreign language after English. Due to the imperial history of the world, French continues to be one of the official languages of 29 different countries.
German: One of the powerhouses of the European economy, Germany is also a global education hub, especially when it comes to STEM disciplines. So, the knowledge of German will open up a world of possibilities for you.

Career Options:

If the foreign language is your primary subject of study, then you can make your career as a translator, interpreter or working in an embassy. However, if you manage to learn a foreign language, in addition to a professional course, you can even see yourself heading international departments of organizations or rising through the ranks in the hospitality industry.

Typical Duration:

There is nothing typical about the language learning process. Research shows that you need about 480 hours and 2200 hours of language study and practice. It ultimately depends on what level of mastery you are aiming to achieve.

14. Psychology

A scientific study of an abstract concept called the human mind, psychology particularly looks at human behavior and personality. This subject gives us an in-depth insight into the diversity of human experience. While it is a vast field with numerous specializations, you are expected to at least familiarize yourself with the scientific, biological and social aspects of it. Be it evolution, the structure of the human brain, cognitive functions or social anthropology, all of them have a direct impact on the functioning of the human mind. Therefore, the academic expectations are set quite high.

Not just with the learning process, but in terms of career, a degree in psychology requires you to have good communication and people skills, since it primarily involves dealing with people and their stories.

Career Options:

Psychologist, Therapist, Social Worker, Forensic Psychologist, the specializations and options are endless.

Typical Duration:

An undergraduate degree is usually 3 or 4 years long while a Master’s Degree in Psychology is 2 years.

Best Universities to pursue the degree:

Stanford University (USA)
Princeton (USA)
University of Cambridge (UK)
Harvard University (USA)
University of California Berkeley (USA)
UCL (UK)
Yale (USA)
University of Pennsylvania (USA)
University of Chicago (USA)
University of Toronto (Canada).

(Source: Times Higher Education Ranking 2024)

13. Statistics

Data collection and analysis can appear deceptively simple but statistics is one of the most difficult courses to pursue. In simple terms, statistics is the study of data wherein you determine and analyze the different aspects of it using mathematical principles. The concept in itself is hard to grasp, but at the post-secondary higher education level, the academic expectations are quite rigorous. Complex formulas and tables are at the core of statistics. Moreover, you must also develop a working knowledge of calculus, linear algebra, and probability, strong computer science skills, and analytical and problem-solving skills.

Career Options:

Today’s world relies heavily on data, which means, as a statistician, you can find a career in practically any industry. Read our article on how statistics now runs the world, to get a better idea of career prospects.

Typical Duration:

A bachelor’s degree is usually 3 or 4 years long while a master’s degree is 2 years.

Best Universities to pursue the degree:

California Institute of Technology
Harvard
Stanford
MIT
University of Cambridge (UK)
University of California Berkeley
Princeton
University of Oxford (UK)
ETH Zurich (Switzerland)
Yale

(Source: THE World Ranking for Maths and Statistics, 2024)

12. Chemistry

For many students, right from middle school, chemistry has built a reputation of being scarily hard. Hence, it comes as no surprise that it finds a spot on this list. While the subject per se needs no introduction, the amount of time you are expected to schedule is quite high, compared to other subjects. In a week, you can expect about 10-12 lab hours, and 10-12 class hours plus the time spent on your own research and studying. You will also need to build competencies in mathematics and physics since they cannot be categorically separated, especially when it comes to experiments.

Career Options:

Starting from academic research, all the way to toxicology, careers abound in this fundamental science discipline. Your specialization can even help you become an environmental and safety specialist. Here’s our take on studying chemistry.

Typical Duration:

An undergraduate degree is usually 3 or 4 years long while a master’s degree is 2 years.

Best Universities to pursue the degree:

California Institute of Technology
Harvard
Stanford
MIT
University of Cambridge (UK)
University of California Berkeley
Princeton
University of Oxford (UK)
ETH Zurich (Switzerland)
Yale

(Source: THE World Ranking for Physical Sciences, 2024)

11. Physics

As a concept, Physics is quite intriguing. Imagine, one discipline that can explain the functioning of the universe, all the way till the nanoscopic subatomic particles and electromagnetic waves. If physics were a story, it would certainly be a bestseller. However, when you are pursuing it as an academic discipline, you jump into a world of complex theories and mathematical formulas that you will wrack your brain to understand. Unless you are truly passionate about it, the sheer volume of the discipline can get daunting.

Career Options:

What can you do with a degree in physics? Read our answer, here.

Typical Duration:

An undergraduate degree is usually 3 or 4 years long while a master’s degree is 2 years.

Best Universities to pursue the degree:

California Institute of Technology
Harvard
Stanford
MIT
University of Cambridge (UK)
University of California Berkeley
Princeton
University of Oxford (UK)
ETH Zurich (Switzerland)
Yale

(Source: THE World Ranking for Physical Sciences, 2024)

10. Engineering

If pure science courses of physics and chemistry have made it into this list, then it is natural that the application of sciences to design products and services is also difficult. By its very nature engineering is multidisciplinary. In addition to the specialization of your choice, you must be adept in mathematics, logic, and computer science to design the world that we live in. Of all the engineering degrees, here are the ones considered most difficult.

Petroleum Engineering
Chemical Engineering
Electrical Engineering
Mechanical Engineering
Civil Engineering

Career Options:

With the plethora of opportunities engineering offers, career prospects are endless. You can delve into our articles on engineering here.

Typical Duration:

A typical engineering undergraduate course is 4 years long.

Best Universities to pursue the degree:

Harvard
Stanford
MIT
Oxford (UK)
Cambridge (UK)
UC Berkeley
California Institute of Technology
Princeton
National University of Singapore
Imperial College London (UK).

(Source: THE 2024 Engineering rankings)

09. Mathematics

There is a joke that has been going around that says that math was really cute until the alphabet appeared. However, if you find yourself drawn to it, despite the English alphabet and then the greek alphabet, then maybe, this is the course for you.

At the higher education level, mathematics is a tough course because it involves a lot of abstract ideas and new developments that push the borders of the discipline almost every day. Moreover, being a math major does not mean learning pure math anymore. Interdisciplinary studies are the way ahead. That means you will also be studying a great deal of computer science, some statistics, and data analysis.

Career Options:

From simple data entry to complex research positions, mathematics is integral to every field in that you can find yourself working in any industry of your choosing.

Typical Duration:

A bachelor’s degree is usually 3 or 4 years long while a master’s degree is 2 years.

Best Universities to pursue the degree:

California Institute of Technology
Harvard
Stanford
MIT
University of Cambridge (UK)
University of California Berkeley
Princeton
University of Oxford (UK)
ETH Zurich (Switzerland)
Yale

(Source: THE World Ranking for Maths and Statistics, 2024)

08. Chartered Accountancy

Chartered Accountancy or CA is an international accounting degree that is granted to a student typically after 3 years of accountancy degree plus 3-4 years of training. In the international platform, the accreditation from the Association of Chartered Certified Accountants (ACCA) is one of the hardest milestones to reach. You will develop a wide range of skills in accounting, auditing, finance, risk analysis, mathematics, computer science, and some facets of corporate law. So, hard work is the only way ahead. With the fate of entire businesses and organizations in your hand, there is little margin for error.

Note: The term CA is used in the U.K. and other commonwealth nations. In the U.S., the same is referred to as a CPA. It is not to be confused with the CA course in India, administered by the ICAI. The Indian CA course is tailor-made to suit Indian businesses and the legal systems. For an international qualification, you must look for a course accredited by ACCA.

Career Options:

Auditor, Financial director, governmental positions in varied tax departments, consulting

Typical Duration:

3 years of degree plus 3-4 years of training

07. Astrophysics

This subfield of physics needs a separate mention as it brings together some of the most complex areas such as quantum mechanics, relativity, particle and atomic physics, cosmology, thermodynamics, statistical mechanics, and calculus. Besides, the technology used to study the solar system is so advanced that technical knowledge is also absolutely essential. As a field, it is precision and detail-oriented. The scope of the study is so complex and vast which is why astrophysics has found its way into this list.

Career Options:

Research is one of the prime career options for a graduate of astrophysics.

Typical Duration:

A typical undergraduate degree is 3 years long.

Best Universities to pursue the degree:

California Institute of Technology
Harvard
Stanford
MIT
University of Cambridge (UK)
University of California Berkeley
Princeton
University of Oxford (UK)
ETH Zurich (Switzerland)
Yale

(Source: THE World Ranking for Physical Sciences, 2024)

06. Quantum Mechanics

Quantum mechanics is a fundamental theory that integrates the principles of physics and mathematics to provide a description of the physical properties of nature at the scale of atoms and subatomic particles. It can be applied in multiple fields since the scope of this discipline is to introspect the different forces in nature. The latest discovery of black holes or quantum computing is all a direct result of developments in this field. As a student of quantum mechanics, you should be well-versed in complex numbers, integral calculus, basic probability, functional integration and analysis, and much more.

Career Options:

Look into the fields of research, data sciences, and quantum computing for some pioneering career options.

Typical Duration:

A three-year undergraduate degree in physics plus a two-year master’s where you can specialize in QM.

Best Universities to pursue the degree:

California Institute of Technology
Harvard
Stanford
MIT
University of Cambridge (UK)
University of California Berkeley
Princeton
University of Oxford (UK)
ETH Zurich (Switzerland)
Yale

(Source: THE World Ranking for Physical Sciences, 2024)

05. Law

As a discipline, Law needs no introduction. The sheer volume of the subject matter is what makes law one of the toughest courses. Besides, it is not enough if you simply memorize the nitty gritty of a legislature. You must be capable of thinking on your feet, analyze quickly and drawing connections and precedents from different sections.

Typical Duration

Usually, a Law course is 3-5 years.

Best Universities to pursue the degree:

Harvard
Stanford
Cambridge (UK)
Columbia
New York University
UC Berkeley
Oxford (UK)
University of Melbourne (Australia)
University of Chicago
Yale

(Source: THE Law Rankings 2024)

04. Aerospace Engineering

Aerospace studies or engineering is usually categorized into aeronautical (science and designs of building an aircraft) engineering, astronautical engineering (spacecraft and satellites), and avionics (electronics applied to aviation).

While it is filled with intrigue and cutting-edge technology, the requirements of the course are also highly demanding. You are expected to maintain a high GPA, before applying for any course. It is an extremely practical field and problem-solving skills are crucial. The pressure increases further when you realize that lives and millions of dollars for research are being invested in this field.

Career Options:

Since the field continues to be fairly niche, top performers are quickly absorbed into research and design-based roles.

Typical Duration:

4 years for an undergraduate course

Best Universities to pursue the degree:

Harvard
Stanford
MIT
Oxford (UK)
Cambridge (UK)
UC Berkeley
California Institute of Technology
Princeton
National University of Singapore
Imperial College London

(Source: THE 2024 Engineering rankings)

Also Read: How Different is Stanford from UCLA?

03. Biomedical studies, Biochemistry, Neurosciences

The intersections of healthcare and science or even healthcare and engineering through courses such as bioengineering or biomedical engineering bring together the complex worlds of the human body and its preservation and the scientific rigour of engineering. In its ultimate goal to better healthcare and, by extension, human life, these courses are always at the cutting edge of research, pushing borders to gain a better understanding of genetics, chemicals that help and harm, neural networks, cognition and so forth.

Career Options:

Read our articles on neurosciences and biomedical engineering to get a detailed idea of these courses.

Typical Duration:

3 or 4 years for an undergraduate college course

Best Universities to pursue the degree:

Harvard
Cambridge (UK)
Oxford (UK)
Stanford
MIT
Yale
Princeton
Johns Hopkins
UC Berkeley
Imperial College London (UK)

(Source: THE Ranking for Life Sciences 2024)

02. Nursing

A good nursing program will create an intensive and immersive atmosphere that will help you absorb the specifics of health and patient care. Nursing has challenging coursework in medical sciences, patient care, and lab management, and a career path that will require a long-term commitment and passion. In addition to harsh deadlines and the pressures of the job, you will also learn to unlearn unconscious biases and work towards the welfare of each patient.

Typical Duration:

Typically, it is 4 years with a 6-month internship

Best Universities to pursue the degree:

University of Oxford (UK)
Harvard
University of Cambridge (UK)
Imperial College London (UK)
Stanford
Johns Hopkins
UCL (UK)
Yale
University of Toronto (Canada)
University of Pennsylvania

(Source: THE World Ranking for Medicine and allied courses, 2024)

01. Medicine, Dentistry

There are multiple reasons why medicine and dentistry courses top this list.

The competition is fierce, both for enrollment in a medical school and in terms of career. The acceptance rate in universities is fairly low. (For instance, it is at around 12% at Oxford)
It is filled with challenging subjects and a vast curriculum.
The hours, be it as a student or as a practitioner, are long.
The amount of time you invest in training is extremely long, compared to any other course. There is typically two years of a foundation course, followed by two to three years of solid medical training. Then comes the specialist training that can take anywhere from 4 – 7 years.
The pressure of being directly responsible for human lives, especially in a post-pandemic medical burnout.

But, despite all the reasons why it is one of the toughest courses, it still remains one of the most popular courses. A career in medicine often becomes a vocation, rather than a profession.

Best Universities to pursue the degree:

University of Oxford (UK)
Harvard
University of Cambridge (UK)
Imperial College London (UK)
Stanford
Johns Hopkins
UCL (UK)
Yale
University of Toronto (Canada)
University of Pennsylvania

(Source: THE World Ranking for Medicine and allied courses, 2024)

How to get into the toughest courses in the world with TC Global?

Preparing to study abroad, especially if you are considering some of the hardest degrees in the world, can be overwhelming. There’s a lot to plan and consider. This is why it’s a great idea to get the best guidance and support you can.

At TC Global, we simplify international education, learning, and mobility through connecting students, universities, and a global community on a single platform where there are over 1000+ education providers and over 80,000+ courses.

Our platform enables students to study anywhere in the world in just a few steps. From search and discovery and finding the right course fit for you, to and applications, visas and departure – we see you through it all. It may well be worth it to take your shot at getting into one of the hardest degrees in the world!

To move forward with us, download our app or visit tcglobal.com and sign in to create an account on our student platform and onboard with us in quick, easy steps.! 🚀

Then simply set up a visit Calendly.com/tcglobal to pick a Relationships Team closest to you and choose a slot to meet with a Relationship Member.

If you are a student who is looking for study abroad consultants, then here are some resources you can use. Depending on your area you can explore which overseas consultant is right for you. If you are in Kerala, for instance, you can check out the best the study abroad consultants Kochi has. Alternatively, you can also have a look at Delhi, Mumbai and the top education consultants in India.

Let’s shape your future together.

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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.

Contact

You may contact us at the following address:

The Chopras Global Holdings PTE Ltd
No. 3, Shenton Way, #10-05/06, Shenton House, Singapore, 068805
Our grievance / nodal officer may be contacted at:
Zishan Siddiqui
Grievance Officer
The Chopras Global Holdings PTE Ltd
No. 3 Shenton Way
#10-05/06, Shenton House
Singapore, 068805
Email: zishans@thechoprasglobal.com

Privileged and confidential

Privacy Policy | September 6, 2021

INTRODUCTION
1. The Chopras Global Holdings PTE Ltd. is an entity registered in Singapore. We are engaged in the business of providing a global education, learning, and investment services Site which caters to students, professionals, universities, corporates and governments. We are committed to ensuring that privacy of our clients, visitors, and other users of the website https://tcglobal.com, its subdomains, the web applications and mobile applications ("Site") is always respected. This Privacy Policy ("Policy") is to serve as a testament to our sincere efforts to uphold privacy laws. In this Policy, "TC Global", "we", or "us" refers to The Chopras Global Holdings PTE Ltd. and its affiliates and "you" refers to a user who has provided any information including Personal Information (as defined below) and using any features therein.
2. The protection and security of your Personal Information and Usage Information (as defined below) is one of our top priorities. This Privacy Policy discloses and explains how we collect, use, share and protect Personal Information, Usage Information or any other information about you. We also provide information regarding how you can access and update your Personal Information and make certain choices about how your Personal Information is used by us. This Privacy Policy does not apply to information we collect by other means (including offline) or from other sources.
3. This Privacy Policy explains what information of yours will be collected by TC Global when you access the Site, how the information will be used, and how you can control the collection, correction and/or deletion of information. We will not use or share your information with anyone except as described in this Privacy Policy. The use of information collected through our Site shall be limited to the purposes under this Privacy Policy.
INFORMATION COLLECTION BY TC GLOBAL
1. Data Controller and Data Processor:
  TC Global controls, collects, owns and directs the use of the Personal Information and Usage Information on its Site and TC Global is the data controller and data processor as regards the Personal Information and Usage Information collected on its Site. For any queries regarding this Privacy Policy and the collection and use of data collected or processed under this Privacy Policy, TC Global can be contacted by mail at The Chopras Global Holdings PTE Ltd, No. 3, Shenton Way, #10-05/06, Shenton House, Singapore 068805; by phone at +65 9825 6174 or by e-mail at hello@thechoprasglobal.com.
2. Legal basis for collection and processing of Personal/Usage Information:
  The legal basis for collection and processing of any information collected and processed by TC Global including the Personal Information is (i) your consent at the time of providing the Personal Information; (ii) where it is in our legitimate interests to do so and not overridden by your rights (for example, in some cases for direct marketing, fraud prevention, network and information systems security, responding to your communications, the operation of networks of groups by the network administrators, and improving our Site). In some cases, we may also have a legal obligation to collect information about you or may otherwise need the information to protect your vital interests or those of another person. We may also process information to comply with a legal requirement or to perform a contract.
3. Basic Information
  TC Global may ask you to provide certain categories of information such as personal information, which is information that coold reasonably be used to identify you personally, such as your name, gender, family details, address, e-mail address, nationality, details of your passport and other government ID, financial information, academic record / education history, date of birth, mobile number, travel history and medical records ("Personal Information"), when you access the Site, in order to provide you with the services requested.
  Additionally, we may collect this information through various forms and in various places through the Site, including when you first register with us, when you create a transaction, when you contact us, when you update your information or from time to time or when you otherwise interact with us. TC Global may include registration, surveys, and other online forums where users will need to provide Personal Information.
4. Additional Information
  1. Cookies: TC Global may use standard "cookie" browser application feature to collect and understand Site usability trends. Cookies are text files that we may place in your computer browser to store your preferences. Cookies are used to record various aspects of your visit and assist us in providing you with uninterrupted service. One of the primary purposes of cookies is to store your preferences and other information on your computer in order to save you time by eliminating the need to repeatedly enter the same information and to display your personalized content. Cookies are divided into "first party" and "third party":
    First party cookies are the cookies served by the owner of the domain. In our case, that's TC Global. Any cookie we place ourselves is a "first-party cookie."
    
    Third-party cookies are cookies placed on our domains by trusted partners that we've allowed to do so. These can be social media partners, advertising partners, security providers, and more. And they can be either "session cookies" or "permanent cookies":
    
    Session cookies only exist until you close your browser, ending what's called your "session." Then they're deleted.
    
    Permanent cookies have a range of lifespans and stay on your device after the browser is closed. On the Site, we try to only serve permanent cookies (or allow permanent cookies to be served by third parties) that have a limited lifespan. However, for security reasons or in other exceptional circumstances, sometimes we may need to give a cookie a longer lifespan.
    
    Web browser cookies may store info such as your IP address or other identifiers, your browser type, and info about the content you view and interact with on digital services. By storing this info, web browser cookies can remember your preferences and settings for online services and analyze how you use them.
    
    Along with cookies, we also use tracking technologies that are very similar. Our Site may contain small transparent image files or lines of code that record how you interact with them. These include "web beacons," "scripts," "tracking URLs," or "software development kits" (known as SDKs):
    
    Web beacons have a lot of different names. They might also be known as web bugs, tracking bugs, tags, web tags, page tags, tracking pixels, pixel tags, 1x1 GIFs, or clear GIFs. In short, these beacons are a tiny graphic image of just one pixel that can be delivered to your device as part of a web page request, in an app, an advertisement, or an HTML email message. They can be used to retrieve info from your device, such as your device type, operating system, IP address, and the time of your visit. They are also used to serve and read cookies in your browser or to trigger the placement of a cookie.
    
    Scripts are small computer programs embedded within our web pages that give those pages a wide variety of extra functionality. Scripts make it possible for the website to function properly. For example, scripts power certain security features and enable basic interactive features on our website. Scripts can also be used for analytical or advertising purposes. For example, a script can collect info about how you use our website, such as which pages you visit or what you search for.
    
    Tracking URLs are links with a unique identifier in them. These are used to track which website brought you to the Site. An example woold be if you clicked from a social media page, search engine, or one of our affiliate partners' websites.
    
    Software Development Kits (SDKs) are part of our apps' source code. Unlike browser cookies, SDK data is stored in the app storage. They're used to analyze how the apps are being used or to send personalized push notifications. To do this, they record unique identifiers associated with your device, like your device ID, IP address, in-app activity, and network location.
    
    All these tracking technologies are referred to as "cookies" here in this Cookie Statement.
    However, no Personal Information identifying the user is collected nor any data capture mechanisms are employed. The user may change browser settings to accept or reject cookies on personal preference. You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify the browser setting to decline cookies if you so prefer. If you choose to decline cookies, you may not be able to sign in or use other interactive features of the Site that may depend on cookies. If you choose to accept cookies, you also have the ability to later delete cookies that you have accepted. If you choose to delete cookies, any settings and preferences controlled by those cookies, including advertising preferences, will be deleted and may need to be recreated. We process and keep all data for our own use and, if you wish to opt-out from tracking by TC Global you can do so at hello@thechoprasglobal.com
  2. Information Collected Automatically: In addition to any Personal Information or other information that you choose to submit to us, we may use a variety of technologies that automatically (or passively) collect certain information whenever you access the Site ("Usage Information"). This Usage Information may include the browser that you are using, the URL that referred you to our Site, mobile device model (manufacturer), OS type (IOS/android), OS version, network carrier, IP address, mobile screen size, time zone of the user, browser details, among other information. Usage Information may be non-identifying or may be associated with you. Whenever we associate Usage Information with your Personal Information, we will treat it as Personal Information and the conditions relating to Personal Information under this Privacy Policy will be followed. Traffic data, while anonymous, is gathered and analysed for business needs.
  3. Information Third Parties Provide About You: We may, from time to time, supplement the information we collect about you through our Site with outside records from third parties obtained rightfolly in order to enhance our ability to serve you, to tailor our content to you and to offer you opportunities to use such of our Services that we believe may be of interest to you. We may combine the information we receive from such third party sources with information we collect through the Site or through independent research conducted by TC Global, with your consent. In these cases, we will apply this Privacy Policy to any Personal Information received, unless otherwise provided. We may process such information received from third parties for legitimate commercial purposes or to enter into contractual obligations with you or to folfil certain contractual obligations or where you have requested third parties to provide information about yourself to us.
5. Processing of Data:
  TC Global may also process any Personal Information or Usage Information collected from you for legitimate commercial purposes including to provide you with the requisite information requested. A list of uses of the Personal Information and Usage Information collected is provided at Section 3 of this Policy (Use of Information Collected).
  TC Global implements appropriate technical and organisational measures to ensure a level of security appropriate to the risk of our processing of information about individuals such as (i) only sharing and providing access to your information to the minimum extent necessary, subject to confidentiality restrictions where appropriate, and on an anonymised basis wherever possible; (ii) using secure servers to store your information; (iii) verifying the identity of any individual who requests access to information prior to granting them access to information; and (iv) using Secure Sockets Layer (SSL) software or other similar encryption technologies to encrypt any payment transactions you make on or via our Site.
6. Right of a user in relation to data submitted:
  Any user who has submitted Personal Information on the Site has the right to (i) access, correct, delete such Personal Information subject to us successfolly verifying your identity; (ii) object to us processing your Personal Information on legitimate grounds; (iii) to withdraw your consent to our use of your information at any time where we rely on your consent to use or process that information; (iv) opting out of receiving any promotional or marketing material by clicking on the "Unsubscribe" button or by sending an email to [hello@thechoprasglobal.com]. Please note that if you withdraw your consent, this will not affect the lawfolness of our use and processing of your information on the basis of your consent before the point in time when you withdraw your consent; (v) right to have the Personal Information transferred to another data controller; and (vi) lodge a complaint with a supervisory authority, in particolar in the jurisdiction of your habitual residence, place of work or of an alleged infringement of any applicable data protection laws. Any request received by us by the user in relation to the aforesaid shall be acknowledged by us within seventy-two (72) business hours.
USE OF INFORMATION COLLECTED
1. Business Purposes:
  TC Global does not share any Personal Information with any third party without your consent, except when directed by the law. TC Global can use this data to verify user identity in line with engagement initiated by the user. We will communicate with you using the contact information provided by you in order to respond to any queries that you may have and to provide any information that you may request regarding the services provided through the Site. We may communicate with you either by written, physical communication, email, telephone, SMS or via notifications on your mobile device. We may also send strictly service-related announcements to you periodically and when it is necessary to do so. For instance, if our services are temporarily suspended for maintenance, we might send you an email, text message, flash notification or telephone call. If you do not wish to receive such alerts, you have the option to unsubscribe from such emails or opt out by sending an email to hello@thechoprasglobal.com.
  
  We may use Personal Information or Usage Information collected through the Site in the following ways:
  - to operate and improve our Site and tools associated with the Site;
  - to create aggregated and anonymized information to determine which Site features are most popolar and usefol to users, and for other statistical analyses;
  - to prevent, discover and investigate violations of this Privacy Policy or the Terms of Use of the Site, and to investigate fraud or other matters;
  - To customize the content or the services on the Site for you, or the communications sent to you through the Site.
  - To help provide you the services accessible through the Site, which may include liaising and providing information to visa/customs/immigration offices of various countries and admissions offices of universities situated across the globe;
  - To observe, improve and administer the quality of services on the Site;
  - To analyze how the Site is used, diagnose technical problems;
  - Remember the basic information provided by you for effective access;
  - To confirm your identity in order to determine your eligibility to use the Site and avail our services;
  - To notify you about any changes to the Site;
  - To enable TC Global to comply with its legal and regolatory obligations;
  - For the purpose of sending administrative notices, service-related alerts and other similar communication with a view to optimizing the efficiency of the Site;
  - Doing market research, troubleshooting, protection against error, project planning, fraud and other criminal activity; and
  - To enforce TC Global's Terms of Use.
  - Marketing activities: We use your information for marketing activities. These activities include:
    1. Using your contact info to send you regolar news about relevant products and services. You can unsubscribe from email marketing communications quickly, easily, and anytime. All you need to do is click the "Unsubscribe" link included in each newsletter or other communication.
    2. Based on your info, individualized offers might be shown to you on the Site, on mobile apps, or on third-party websites/apps (including social media sites), and the content of the site displayed to you might be personalized. These coold be offers that you can book directly on the Site, on co-branded sites, or other third-party offers or products we think you might find interesting.
    3. When you participate in other promotional activities (e.g. sweepstakes, referral programs, or competitions), relevant info will be used to administer these promotions.
2. Anonymous:
  We may share non-Personal Information, such as aggregated user statistics and log data, with our business partners for industry analysis, demographic profiling, to deliver targeted advertising about other products or services, or for other business purposes. This information is solely used to analyze company Site and understand usage statistics, as mentioned above, is anonymous. The company may share this data with its business partners on anonymous basis. We do not sell, share, rent or trade the information we have collected about you, including Personal Information, other than as disclosed within this Privacy Policy or at the time you provide your information. We do not share your Personal Information with third parties for those third parties' direct marketing purposes unless you consent to such sharing at the time you provide your Personal Information.
3. Administrative and Legal Reasons:
  We cooperate with government and law enforcement officials and private parties to enforce and comply with the law. Thus, we may access, use, store, transfer and disclose your information (including Personal Information), including disclosure to third parties such as government or law enforcement officials or private parties as we reasonably determine is necessary and appropriate: (i) to satisfy any applicable law, regolation, governmental requests or legal process; (ii) to protect the safety, rights, property or security of TC Global, our services, the Site or any third party; (iii) to protect the safety of the public for any reason; (iv) to detect, prevent or otherwise address fraud, security or technical issues; and /or (v) to prevent or stop any activity we consider to be, or to pose a risk of being, an illegal, unethical, or legally actionable activity. Such disclosures may be carried out without notice to you.
4. Business Transfer:
  We may share your information, including your Personal Information and Usage Information with our parent, subsidiaries and affiliates for internal reasons. We also reserve the right to disclose and transfer all such information: (i) to a subsequent owner, co-owner or operator of the Site or applicable database; or (ii) in connection with a corporate merger, consolidation, restructuring, the sale of substantially all of our membership interests and/or assets or other corporate change, including, during the course of any due diligence process. You will be notified via email and/or a prominent notice on our Site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information. We will endeavor that the transferee who is the recipient of Personal Information and Usage Information commits to privacy measures which are substantially similar to the measures under this privacy policy.
THIRD PARTY CONTENT AND LINKS TO THIRD PARTY SERVICES
We do not include or offer third party products or services on our Site.
DATA TRANSFER
Your information may be stored and processed in Singapore or any other country in which TC Global or its subsidiaries, affiliates or service providers maintain facilities. TC Global may transfer information that we collect about you, including Personal Information, to affiliated entities, or to other third parties across borders and from your country or jurisdiction to other countries or jurisdictions around the world. These countries may have data protection laws that are different to the laws of your country and, in some cases, may not be as protective. We have taken appropriate safeguards to require that your information will remain protected in accordance with this Privacy Policy by entering into requisite agreements with the concerned transferees.
DATA RETENTION
Your information will be retained with TC Global as long as it is needed by TC Global to provide services to you. If you wish to cancel your account or request that TC Global no longer uses your information to provide services, you may contact TC Global at hello@tcglobal.com.. TC Global will promptly delete the information as requested. TC Global will retain and use your information as necessary to comply with its legal obligations, resolve disputes, and enforce its agreements or for other business purposes. When TC Global has no ongoing legitimate business need to process your information, we will either delete or anonymize it.
CONTACT & POLICY UPDATES
In case on any queries on this privacy policy, please contact us at hello@thechoprasglobal.com. TC Global reserves the right to update or modify any part of this policy or make any changes without prior notice to the user. The user is advised to check this page periodically to stay abreast of any policy changes by us.
CHANGE OF INFORMATION AND CANCELLATION OF ACCOUNT
You are responsible for maintaining the accuracy of the information you submit to us, such as your contact information provided as part of account registration. If your Personal Information changes, or if you no longer desire to access the Site, you may correct, delete inaccuracies, or amend information by contacting us through hello@tcglobal.com and we will respond within 72 hours of receipt of communication.
You have the right to request that we rectify or delete the personal data or restrict the processing of your personal data, if you think they are inaccurate. Furthermore, you have the right to object against the processing based on our legitimate interests as a legal basis. We are required to assess and act on your request. Additionally, you also have the right to data portability if it shoold become relevant. You have a right to lodge a complaint with your local supervisory authority.
[You may also cancel or modify your communications that you have elected to receive from the Site by logging into your user account and changing your communication preferences.
If you wish to cancel your account or request that we no longer use your information to provide you details with respect to our services and the Site, please write to us at hello@tcglobal.com.
OPT-OUT
If you wish to opt out of receiving non-essential communications such as promotional and marketing-related information regarding the Site and our services, please send TC Global an email at hello@tcglobal.com.
CHANGES TO THE PRIVACY POLICY
From time to time, we may update this Privacy Policy to reflect changes to our information practices. Any changes will be effective immediately upon the posting of the revised Privacy Policy on the Site. If we make any material changes, we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on the Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.
GRIEVANCE REDRESSAL
If you have any questions or concerns about this Privacy Policy, please feel free to contact us by writing to us at hello@thechoprasglobal.com or using the details provided on our 'Contact Us' page. We will use reasonable efforts to respond promptly to requests, questions or concerns you may have regarding our use of personal information about you. Except where required by law, TC Global cannot ensure a response to questions or comments regarding topics unrelated to this policy or Company's privacy practices.
CONSENT
By consenting to the terms under this Privacy Policy, you are expressly granting TC Global the right to collect, share, transfer, store, retain, disseminate or use the Personal Information/Usage Information collected by TC Global from your usage of the Site in accordance with the terms of the Privacy Policy. You may, at any time, withdraw consent for the collection or processing of Personal Information/Usage Information by sending an email to hello@tcglobal.com. TC Global, shall within 72 hours delete or anonymize the data collected from you.
CONTACT US
If you have any questions about this Privacy Policy, please contact us:
By email: hello@thechoprasglobal.com

In the event of any grievances, user can contact the grievance officer at zishans@thechoprasglobal.com or write to us at the following address:
Zishan Siddiqui
Grievance Officer
The Chopras Global Holdings PTE Ltd
No. 3 Shenton Way
#10-05/06, Shenton House
Singapore, 068805

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