How Will COVID Change Higher Education? Here's the Debate | Leading Global Education, Learning and Investment Services

How Will COVID Change Higher Education? Here’s the Debate

There are two, divergent views on the impact COVID will have on higher education. The debate extends to most “new normals” today, but in education, it’s particularly polarizing.

On the one hand there’s the view that disruption was coming anyway, COVID just gave it the nudge it needed, and now let’s rethink the whole higher-education model. The other view, of course, is that this is temporary, that the global education dream will remain unchanged and things will return to normal sooner or later. The truth is probably somewhere in between.

Let’s look at both theories.

The one immediate, short-term impact is that many universities have moved their classes online with the aim of causing as little disruption of the students’ studies as possible. That, however, is the current impact. How will things pan out in the long term is really what much of the debate is about.

This will pass. Students will return to campus-life

Zoom, for all its benefits, cannot replace campus-life. No doubt it’s serving a great purpose at the moment, but that’s only because of the pandemic. Once this is over (and it will be), students will want to come back to campuses.

And research shows they want to.

A comprehensive survey by QS gives insight into prevailing student sentiment (as of June this year). For now, the overwhelming belief (and hope) seems to be that changes are temporary. 82% of respondents said they’d like to start their global ed journey this year (42%), or the next (40%). Of the students who admitted that the crisis had altered their plans, most are choosing to defer or postpone their education (55%), while only a few have definitely chosen not to pursue their global ed dreams for now (7%). So clearly, despite the virus, students are gearing up to pursue their education as planned (or just a little later). And they aren’t alone.

With social distancing measures in place, many universities are preparing to welcome students back. In fact, many have already announced their intention to reopen in the fall. Purdue, for instance, has announced that it will open this fall; The University of Florida has shifted its term back by a week, and Notre Dame has decided to start the semester early. Columbia has decided to open its labs (at the very least). The UC campuses have decided to deliver the first semester of classes online (until things are normal), while institutions like University of Cambridge, Oxford, UCL, Edinburgh and Warwick, amongst several others have designed a hybrid curriculum (these could, of course, change – but this is the status as of now).

From leading education hubs around the world, the message seems clear: these are simply provisional measures until things are better, and when they are, it will be business as usual.

Now the other side of the debate

Not everyone seems to agree. Renowned NYU professor, Scott Galloway is known for his bold and unabashed opinions on finance and technology. His vision for higher education is nothing short of revolutionary. He argues that we’ve started transitioning to a world where on-campus experiences, as we’ve known them, will be accessible only to the children of the 1%. The fact that parents and students demanded a reduction in tuition fee, even though online classes are still being conducted, indicates that the value of education itself has diminished.

Galloway’s predictions go something like this – over the next few decades, we will witness the closure of possibly thousands of university campuses, with only around the top fifty institutions surviving. The process will be gradual, with several institutions operating as “zombie universities”, which means they may be able to match their costs—but not earn enough to repay debts. According to Moody’s 30% of colleges already run on a deficit. Ultimately, he’s looking at a world where some hybrid of online and offline education being delivered to much larger batches of students (by way less institutions).

This transformation, of course, must be aided by the biggest technology firms. Partnerships with Microsoft, Apple, Google and Facebook could go a long way in efficiently delivering education. But why would the tech giants partner with these universities anyway? It’s because these names—MIT, Harvard, Berkeley (amongst a plethora of others) are the biggest brands in the world. Besides, with competition creating performance pressure in the industry, these tech firm need to take bold steps to maintain investor interest. The value of a Harvard certification is so high, that people will actually consider a subpar experience to achieve that degree.

But, what of college life?

The problem with entertaining the possibility of Galloway’s future is that it discounts the fact that students still associate on-campus experiences with a sense of normalcy, and so, a perpetual shift from the real to the screen is hard to accept. Campus experiences have undoubtedly become about more than just traditional education—they are about experiential learning. Campuses provide a safe space for one to build networks, interact and ideate, and of course, transition into adulthood in a somewhat controlled environment. Harder still will be convincing those who believe this is an inferior experience, to pay for it.

Online classes worked, yes, but only because there was no other option. However, it was also a solution that left several students, parents and professors unhappy. Online education, while making education accessible to people from across the world, is not nearly the same as being on campus (read our article where we compare traditional with online here).

In a survey conducted by EY Parthenon (in April), when asked if students wish to return for another year of education, almost 20% more students were willing to come back only if the medium of instruction was in person. Upon being further surveyed, 65% students expected a reduction in fees if classes continued online. This sentiment has become more pronounced since—the QS survey revealed that 86% students believed that online education should be offered at a discounted rate. Galloway is right on one front—the value of a college degree is not just the education. Unlike his extreme claim, a mindset like this makes it all the more crucial for universities to open for business. And soon.

The impact of declining enrollments owing to coronavirus will be severe of many universities. Smaller and larger schools are facing the financial threat of reducing revenues. While for the former, a significant decline in revenues could spell trouble, as they do not have large endowments to fall back on unlike the latter institutions. This is not to say that larger institutions will escape unscathed. Of Purdue’s $2 billion revenue, $1.3 billion was tuition income. For Columbia, a $5 billion institution, this number will be significantly higher. Larger institutions are highly dependent on non-student revenue sources—sports, research grants and licensing—all contingent on a fully functioning campus. For the smaller institutions, their primary source of revenue remains the students (rather, the fees their parents pay). While these factors could definitely spell trouble for universities, they will be more determined than ever to fight back and preserve traditions and a method of functioning that has existed for centuries.

So, where are we headed?

Well, evidence seems to point towards the fact that we might witness the closure of a few institutions, and a revival of business models for others. The cause, however, is not solely COVID. Its role here would simply be that of a catalyst, that exposed flaws in a system that had been building for years.

Converting to a solely online experience will be cost efficient, yes. But at the same time, they forfeit chunks of revenue on campus board and lodge, on-campus research grants and cultural and sporting events. They also leave several college aspirants disappointed. Not to mention the international students, who contribute to almost 50% of tuition revenue, will probably not choose a permanent online experience. Another possible outcome could be a reduction in margins from certain less-practical majors, as the world will be geared towards hiring professionals in more scientific and traditional fields to meet new and evolving employment demand.

The impact of the outbreak has been to bring about changes in thought and behavior. It’s too soon to describe an exact future for higher education. Theories aside, outcomes are generally rooted in how our demand reacts to the decision of those supplying education. Traditional higher education systems have outlived the plague, the Spanish flu, and devastating wars. Whether coronavirus is yet another hurdle to be cleared, or a groundbreaking event that will radically change the course of higher education, remains to be seen.

Our bet is that there will be a change, and that we’ll arrive upon a newer, more hybrid model. But it won’t be either of the extremes – while traditional on-campus education is not going anywhere, online is definitely going to be a component of future learning systems. Like we said earlier, we’ll adapt and land somewhere in the middle.

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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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