Careers in Fintech

Careers in Fintech

Even in a pre-pandemic world, tech seemed to define our lives. Now, it’s become a suffix for the way we learn and work.

Fintech is a case in point.

What is Fintech?

Simply put, Fintech is really the blend of finance and technology that aims to improve financial services and business operations (think e-loans). Technology not only automates processes but also helps organizations in better product and service delivery to customers.

Fintech companies have three primary goals

Safety
Speed
Efficiency

Through advanced technologies such as Blockchain, Artificial Intelligence and Data Science, they aim to boost traditional operations by fulfilling these goals. Fintech, thus, seems to be one of the fastest-growing spheres from starting with payments and loans to making its way into a credit score and stock trading. It is safe to say that Fintech industry has stood the test of time.

With the giants seeing an upward growth curve and the newer players making it big, many young aspirants are inspired to choose Fintech as their career.

How does Fintech work?

Though Fintech is a rising industry, it is certainly not a new one. Technology has always made financial operations more efficient right from the introduction of credit cards in the 1950s.

In recent times, machine learning algorithms, blockchain, and data science are involved in almost all operations – be it processing credit cards or running hedge funds. With the growth of mobile internet and smartphones, technology has made its way into personal finance.

Some of the most popular Fintech services are:

Money transfers
Managing investments
Depositing a check with a smartphone
Raising money for a business start-up
Bypassing a bank branch to apply for credit

The best part is that Fintech has empowered people to a great extent, and they generally do not need any assistance to perform these functions.

What is driving Fintech?

FANG (Facebook, Amazon, Google, and Netflix) have a massive global outreach. They are utilizing Fintech in newer and more innovative ways to reach their target population. These Big tech companies provide services like digital wallets, payment processing, and online sale of financial products.

Next, a plethora of smaller Fintech firms have sprung up in various parts of the world to provide solutions for safety-related problems. These firms work relentlessly to ensure that user interfaces are navigable.

Moreover, the traditional banks don’t want to be left behind either. They are bracing themselves to embrace the world of difference brought forth by technology in the finance sector.

How can you pursue a career in Fintech?

Fintech as such is a dynamic domain, and there isn’t a one-way road that ensures success. There are several pathways that aspirants can follow.

At the undergraduate level, not many universities in the world offer a specialization in Fintech. Yet, there are other courses that can equip you with the skill set needed to excel in the field. Undergraduate courses in Finance, Management, Economics, Commerce, or Technology can help a lot. On the other hand, if you have a creative bent of mind, you can also opt for courses like Graphic Design.

At the Masters’s level, students can opt for expertise in finance for the best career opportunities.

Best universities in the world for economics according to QS Rankings 2020

S.No	University Name	Location
1	Harvard University	U.S.A
2	Massachusetts Institute of Technology	U.S.A
3	Stanford University	U.S.A
4	University of California, Berkeley	U.S.A
5	The London School of Economics and Political Science (LSE) Princeton University	U.K U.S.A
7	University of Chicago	U.S.A
8	Yale University	U.S.A
9	University of Oxford	U.K
10	University of Cambridge	U.K

Best universities in the world for finance according to QS Rankings 2020

S.No.	University Name	Location
1	Harvard University	U.S.A
2	Massachusetts Institute of Technology	U.S.A.
3	Stanford University	U.S.A.
4	The London School of Economics and Political Science	U.K.
5	University of Oxford	U.K.
6	University of Cambridge	U.K.
7	University of Pennsylvania	U.S.A.
8	University of California, Berkeley (UCB)	U.S.A.
9	University of Chicago	U.S.A.
10	New York University	U.S.A.

Here’s a list of the best universities in the world for Computer Science according to the QS Rankings, 2020 –

S.No.	University Name	Location
1	Massachusetts Institute of Technology (MIT)	U.S.A.
2	Stanford University	U.S.A.
3	Carnegie Mellon University	U.S.A.
4	University of California, Berkeley (UCB)	U.S.A
5	University of Oxford	U.K.
6	Cambridge University	U.K.
7	Harvard University	U.S.A
8	EPFL	Switzerland
9	ETH Zurich	Switzerland
10	University of Toronto	Canada

Career opportunities in Fintech

Fintech firms are quite different from Big Tech both in terms of their size as well as the functions that they serve. While the primary focus of Fintech firms is to integrate technology in financial products and services, it is only a small portion of what Big tech companies do. The specialization of Fintech professionals ranges across a vast arena. Let’s take a more nuanced look to gain a better understanding.

1. Data Science/Analysis/Visualization

Every year, a massive amount of online transactions flow through the banking system, and we are continually breaking records in the quantum of data generated. If this data is meaningfully analyzed, and actionable plans are devised according to the same, it is invaluable.

This is where the data science professionals come into the picture. Data generation is growing exponentially, and so is the demand for experienced professionals in the field. Thus, right from the tech giants and banks to the emerging start-ups, the opportunities for Data Science professionals are unhinged.

Data Visualization is one of the most exciting opportunities that this field has to offer. It integrates marketing with technical expertise. The professionals aim to use data insights to study the trends of consumer behaviour.

2. Artificial Intelligence and Machine Learning

With the development of technology, companies are investing in the development of machine learning. It is blurring the lines between rules-based algorithms and human thought. Though the risks are immense, the present makes the field look promising for aspirants. At the lower end, chatbots and rob-advisors suit well. However, as we move up the ladder, more advanced technology to efficiently analyse mountains of data will be required.

3. WealthTech and Robo-Advisors

Wealth Tech is an amalgamation of Financial Advisory companies with modern-day technology. These industries are mostly data-driven, and the success in the same majorly depends on the number of recommendations one can make to the client and the subsequent conversions.

The present generation is increasingly getting accustomed to interacting with a chat screen. Most people prefer it over calls or in-person meetings. The pandemic has further given an impetus to the field.

With the demand for 24*7 access and advanced data analytics tools, the growth of Wealth Tech and Robo-Advisory professionals is immense.

4. RegTech

The regulatory costs are only going up, and the rules are becoming more cumbersome with each passing day. RegTech simplifies the same with the help of advanced tools. Here, machine learning and algorithms are used to analyse scores of transaction data. With the right tools, frauds can be detected in milliseconds.

RegTech is vastly preferred by investors as it is not a competitor but a valuable tool for the banking system. Banks spend a large chunk on compliance, and by going by the problems that Regtech solves, the sky is the limit.

5. Cybersecurity

Cybersecurity is a big concern for organizations, not just because of the potential financial loss, but also because of the loss of data and also reputational damage that a cyber breach can cause.

IoT has crossed the 20 million benchmark and a vast population now relies on digital devices more than ever before. Along with RegTech, this field is likely to generate a lot of demand for young talent in the future.

6. Product management

Product managers work towards extending strategic partnerships towards financial institutions. Together, they come up with viable solutions. Further, these experts also work towards devising effective strategies to encourage the use of these products and services.

a. Blockchain and cryptocurrency

Blockchain is an umbrella term under which cryptocurrency falls. Regardless of how cryptocurrency performs, blockchain looks set to succeed in the future due to the enhanced transparency and robust security it provides to financial operations.

8. Mobile app development

Over 200 billion mobile apps are downloaded every year and an average person spends over 7 hours on his or her smartphone. It’s a sign of the size of the market. Organizations, thus, are pumping in millions of dollars every year to carve a space out for themselves in the area.

Besides downloads, the pandemic has made these apps the new hub for shopping, business, and other transactions. For the same, quality app development is the need of the hour. The demand in this field is skyrocketing and the ones that are highly skilled and competent command the highest compensations.

9. Social media marketing

As stated earlier, more and more people are gaining access to smartphones, and newer accounts are being created on social media apps with each passing day. The growing FinTech companies want professionals that can present them on these platforms in the best possible manner to attract a large customer base.

10. Payments/Billing/Money Transfers

This field is the low-hanging fruit of Fintech as the risk involved is dramatically less. The payment processors aren’t concerned about the creditworthiness and are just supposed to move the already existing funds.

Moreover, the nature of the job allows one to gain the trust of customers easily. Though credit cards are still the preferred mode of transactions, one-click payment processing options are also gaining popularity.

11. Sales

Because fintech companies rely on transactions, the sales team becomes a crucial component of the system. They strategize and come up with ways to attract the right customer base and increase awareness about the company, especially through online mediums.

Potential employers

Banks are pouring in a large quantum of investments for innovation and acquisitions – because fintech is only going to rise.

It’s a good idea to work for a Fintech company early on in your career. It will provide you with significant resources, larger teams to collaborate with, and the opportunity to learn the ropes while still working in the field.

You can also work in a start-up. It’s the best place to learn and grow. While the budgets can be tight, the learning opportunities can be great. It will give you a chance to be part of something from the ground up.

The growing demand for Fintech

Fintech was almost non-existent two decades ago. Now, a wave of change has blended two of the most growing fields – Technology and Finance. The world is expanding at a rampant pace, and the economies are trading at a soaring scale, through it all convenience and efficiency form the backbone.

The future could go in a few different ways. On the one hand, the tech giants are likely to encroach the traditional operations of the banks. On the other hand, banks might seize back control and collaborate with the right parties to develop better solutions. Moreover, the FinTech companies are also on their way to carving out their own niche.

Either way, fintech ensures a bright career, and students with the right acumen will find themselves in demand. No matter which course the future takes, Fintech experts will win. So, if you have the inclination, this is a field you should definitely explore.

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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

TC Global Insights

What is Fintech?

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How can you pursue a career in Fintech?

Best universities in the world for economics according to QS Rankings 2020

Best universities in the world for finance according to QS Rankings 2020

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Career opportunities in Fintech

1. Data Science/Analysis/Visualization

2. Artificial Intelligence and Machine Learning

3. WealthTech and Robo-Advisors

4. RegTech

5. Cybersecurity

6. Product management

a. Blockchain and cryptocurrency

8. Mobile app development

9. Social media marketing

10. Payments/Billing/Money Transfers

11. Sales

Potential employers

The growing demand for Fintech

Date added

14.01.2021

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