Finance is a well-renumerated option for students who are looking forward to an exciting and rewarding career. Those students who have a flair for economics, accounting, and numbers can choose a career in finance. In simple terms, “finance” is everything money – from forming budgets to managing money, the field takes care of it all.
Finance is considered to be the backbone of any organization. It is typically categorized into financial services and financial management. Although it is “all about the money”, finance deals with a whole lot of processes including creating plans for using an organization’s budget efficiently, and devising strategies for improving the financial situation of an organization.
Canada has some of the best institutions in the world that offers Master in Finance programs to those students who are looking to kick start their career in the field of finance and accounting.
Today, we shall look at why pursuing an MS in finance in Canada can be life-changing for international students. We’ll also cover some of the best Canadian universities to study finance.
Canada is world-renowned for its multicultural environment and inclusivity. The country is also famous for having a number of top universities in the world that produce some of the best graduates across various fields.
Canada’s student-friendly atmosphere and large number of organizations across various fields make it a safe and apt environment for academic activities. The country’s institutions also help students to interact with industry insiders, thereby providing its graduates with the opportunity to build networks. Canada has some of the best student cities in the world including,
Kingston
Quebec City
Toronto
Vancouver
Edmonton
Montreal
The USA has a number of universities that offer Master of Finance programs but studying there could be far more expensive than their Canadian counterparts.
Although Canadian universities are relatively cheaper, the quality of the programs remains uncompromised, thereby providing its students with the best academic experience at a reduced cost.
The scope for work in the USA for international students is on the lower end. However, availing of a post-graduation work permit in Canada is relatively easy compared to other developed countries. This means that most students who graduate from Canadian universities can easily find employment within the country!
All of these are enough reasons for an International student to pursue an MSc in finance in
Canada!
Masters of Finance In Canada - Eligibility
Generally, a master’s of finance degree will require students to have a background in finance and accounting. The eligibility requirements across Canadian universities also do not vary to a large extent. In order to pursue a Master of Finance degree from a Canadian university, students must satisfy certain requirements. The eligibility criteria include
An undergraduate degree from a recognized university with a minimum GPA of 3.0
The students must’ve taken classes in business finance, statistics, financial theory, and other related subjects.
Standardized competitive tests (GRE/GMAT) scores
English language proficiency (IELTS/TOEFL etc)
Work experience in the relevant field (minimum of 2 years)
A valid student permit
Work references
SOP (Statement of Purpose), LOR (Letter of Recommendation)
What are the scholarship options for a Master’s in Finance in Canada?
Canada is a dream educational destination for many international students. From high-quality of living to the finest education, Canada offers it all. Canadian universities offer some of the top programs in the world across several fields including management, finance, economics, engineering, and others.
Quality education does not come cheap. Canada is one of the most expensive countries in the world to pursue higher education. The tuition fee for international students to study at some of the top Canadian universities ranges anywhere between CAD 56,000 to CAD 100,000 – something that most students cannot afford without scholarships or financial assistance.
An MSc or MS in Finance is a program that can provide individuals with a solid foundation in the fields of finance, accounting, management, banking, investment, or insurance. The program allows students to experience the practical applications of the theories they learn through hands-on projects.
However, just like any other graduate degree, pursuing an MS in finance in Canada is quite an expensive affair and many students need financial aid in pursuing the degree from a Canadian university. Thankfully, Canada offers scholarships to those students who wish to pursue an education in any of the country’s educational institutions.
Canadian universities offer anywhere between CAD 2,000 to CAD 50,000 as scholarships to students. Some of the most popular scholarships that are offered by various universities to pursue an MSc Finance in Canada include,
Federal government’s Canada Student Loan (CSL) program
Rotman School’s Entrance Awards
Rotman School’s The International Student Fellowship
John A. Rogers Award in Leadership
BPOC Graduate Excellence Award
Affiliated Fellowships Master’s Program
PEO International Peace Scholarship
International Tuition Award
McGill Major entrance scholarships
University of Alberta’s International Admission Scholarship (upto CAD 5,000)
Ontario Graduate Scholarship
UCalgary graduate award
AIMCo Foundation for Financial Education Master’s Scholarship
Commonwealth Scholarship and Fellowship Plan
UBC Graduate Global Leadership Fellowships
Carleton University Awards for International Students
SFU’s Graduate Dean’s Entrance Scholarship
A. John Ellis Graduate Entrance Scholarship in Business Administration
Association of Women in Finance Graduate Scholarship
Can you study master's in finance in Canada without GMAT?
The Graduate Management Admission Test (GMAT) is a universal exam for admission to business schools internationally. It allows applicants to apply to several MBA or MS programs. It helps to gauge the logical and analytical skills of students who are applying for admission to business schools.
GMAT results are required for admission to Canadian universities. Having competitive scores on GMAT while applying for admission at the various business schools in Canada is an important factor, especially for international students.
It is possible to pursue an MSc in finance or MS in Finance in Canada without GMAT, provided the other eligibility criteria are met. Most Canadian universities also ensure that applicants have
a stellar academic record,
relevant work experience,
convincing application
recommendation letters.
Apart from one’s GMAT scores and the above-mentioned criteria for admission, universities also resort to evaluating an applicant’s capabilities through personal interviews and entrance exams that are conducted by the institutions.
Some of the universities that allow applicants to apply without GMAT scores include,
Thompson Rivers University
Vancouver Island University
Lakehead University
McMaster University
University Canada West
Syracuse University
Graduate Record Examinations (GRE) allows applicants to apply for a variety of graduate program while a GMAT specifically allows students to apply to business schools. Most institutions make it mandatory for international applicants to submit either GMAT or GRE scores for admission.
This means that applicants can pursue an MS in finance in Canadian universities without GMAT, provided the students have valid GRE scores. It needs to be noted that most of the universities/institutions discussed in this article require students to submit either GMAT scores or GRE scores.
What are the best universities for Master of Finance in Canada?
The top 12 Best Universities for master of finance programs in Canada are listed below.
The Rotman School at the University of Toronto is well-renowned for its quality of teaching in the fields of management and finance. The school is known for its breakthrough research and for inspiring scores of students with financial thinking.
Why study at the University of Toronto?
The Master of Finance (MFin) program offered by the Rotman School at the University of Toronto is one of the best financial programs in the world. With the world’s leading thinkers as faculty, capital markets institute, great finance connections, and quality research, the school has been leading the list of top institutions that provide finance-related programs across Canada and the world.
Launched in 2007, the 20-month-long MFin program has been designed to address corporate finance and to create a wide range of opportunities for students to accelerate their careers. The school has some of the best faculty in finance from across the globe. They are also involved in ground-breaking research.
Fees
Studying at the best institutions could also mean that affordability decreases. Although the fees at the Rotman School are high, so are the outcomes of the master of finance program that the school offers.
The duration of the course is 20 months. The total tuition fee for 2022 is
Domestic = $61,200 CAD
International = $91,260 CAD
Eligibility
The Rotman School looks forward to taking in students who possess intellectual curiosity, proven finance career path capabilities, a history of creating impact, and good communication skills.
The criteria for admission at the Rotman School include
Four-year undergraduate degree from a recognized university (minimum GPA of 3.0)
Work experience of at least two years in a finance or finance-related field
GMAT/GRE scores
At least two work references.
An Essay
Interview
English language proficiency (IELTS, TOEFL)
The application fee is $195, CAD.
Career Opportunities after graduating
Rotman offers a variety of career support services including individual career coaching, professional development workshops, and online coaching for those students who are looking to refine their career goals and connect with the right set of people from the industry.
Upon successful completion of the master of finance program from the Rotman School, students can expect to build a career as:
Accounting And Finance Manager
Financial Analyst
Investment Advisor
Investment Banker
Insurance Specialist
Trader
Portfolio Manager
Actuary
Admission process
Generally, students are expected to download the admissions brochure from the program’s website. Once that is done, the students are expected to attend an admission event including webinars, panels, or information sessions that can help students to know more about the school and learn about how to apply.
Students can also submit their resumes for assessment or get in touch with a member of the admissions team for more information about their eligibility.
2. University of British Columbia
The University of British Columbia (UBC) offers specializations in the field of finance through the Sauder School of Business. UBC’s finance division is ranked among the top financial groups in the world and is renowned for its quality of research and for its illustrious faculty.
Why study at the University of British Columbia?
The University of British Columbia has been ranked among the top Canadian universities. In fact, it is ranked number two for higher education and for research while it is one of only three Canadian institutions to be featured in the top 50 world university rankings that was released by Times Higher Education World Rankings.
UBC offers an MBA with specialization in Finance for undergraduate students who are looking to pursue a career in finance. The program helps students to acquire the required skills, knowledge, and the necessary experience required to solve financial problems in the real world.
The Sauder School of Business at UBC also Master of Science in Business Administration in Finance program to those students who are looking to pursue a Ph.D. and a career in academics.
Fees
The tuition fees for MBA is as follows
Canadian Citizens and Permanent Residents: $52,443 CAD
International students: $93,658 CAD
The tuition fee for the MSc in Business Administration in Finance program is $5,301.54 CAD for domestic students and $9313.92 CAD for international students for the first year.
The application fee is $154.25 CAD for both Canadian as well as International students and is non-refundable.
Eligibility
The Sauder School of Business looks to take in students who are ambitious, have a flair for applied education and are natural solvers who are interested in crunching numbers.
BEng., BSc (Eng), BTech, BSc (Nurs), BArch, or a Master’s degree in a non-engineering field is required for eligibility to UBC’s master’s programs.
Official transcripts and degree certificates
LOR
GMAT/GRE scores
English Proficiency test scores (IELTS, TOEFL, etc)
Career Opportunities after graduating
UBC finance graduates are hired by companies including Amazon, Deloitte, Lululemon Athletica, PwC, Colliers, JP Morgan Chase, and other companies.
Completing the master’s program from the Sauder School of Business allows students to pursue a career in fields including,
Investment Banking
Money Management
Corporate Finance
Securities Trading
Commercial Banking
Financial Research
Consultancy
The MSc in Business Administration in Finance program has been carefully designed to address the needs of those students who are looking to pursue a Ph.D. post their graduate studies. Post the completion of this program, graduates can take up full-time research or get into academia.
Admission process
Students who are looking to apply to the Sauder School of Business must have a foundational proficiency in Quantitative Methods, Statistics, and Economics.
The students must review the requirements of the program
Submit the completed online application
Submit necessary documents
The steps involved in the admission process can be viewed here.
3. McGill University
McGill University, founded in 1821, is known for its excellence in teaching and for its research facilities. McGill is one of Canada’s most prestigious and welcoming institutions, thanks to its incredibly high percentage of international students (31%) compared to other institutions.
Why study at McGill University?
The university offers bachelor’s, master’s, and doctoral degrees in the field of finance through the Desautels Faculty of Management. The discipline of finance provides an academic environment where students can experience service and excellence.
In terms of research, faculty members from a variety of disciplinary backgrounds ensure that dynamic research initiatives are organized around global financial markets, asset valuation, and other themes.
The Desautels Faculty of Management offers the Master of Management in Finance (MMF) degree. It is a specialized degree that can be completed in either 12 or 16 months. The degree is ranked number 2 in North America and 25th internationally by the Financial Times Global Masters in Finance Pre-Experience Ranking 2022.
Fees
The tuition fee for Canadian students is $48,960 CAD. For international students, the fee is $57,465 CAD. The application fee is $125.71 and it is non-refundable.
Eligibility
In order to apply to the MMF program offered by Desautels, one will need to fulfill a list of eligibility criteria. This includes,
Undergraduate degree from a recognized university and any additional academic qualifications.
English language proficiency tests scores (IELTS, TOEFL)
GMAT/GRE scores
Curriculum Vitae (CV)
Essays
LOR and SOP
Career Opportunities after graduating
Desautels has a dedicated career management team that offers different types of career coaching experiences. Most MMF graduates from Desautels find themselves working in areas including,
Diversified Financial Services
Banking
Private Equity
Venture Capital
Private Wealth Management
Admission process
In order to apply to the MMF program, students must have a bachelor’s program and proven quantitative skills. Students with a three-year bachelor’s degree from a recognized international university are eligible to apply.
International students who are interested in applying to the MMF program at Desautels can know more about the admission process here
.
4. University of Alberta
Established in 1908 in Edmonton, the University of Alberta is one of Canada’s best research-oriented institutions. It is one of the top universities in the world for research and development across a variety of disciplines.The Alberta School of Business at the University of Alberta offers a variety of programs in finance including undergraduate majors, honors, MBA, and Ph.D. programs.
Why study at the University of Alberta?
The full-time MBA program at the University of Alberta offers students the opportunity to specialize in finance. It helps students to advance their careers with a focus on business challenges and organizational growth.
World-class instruction with small class sizes for improved personal attention is what the University of Alberta offers to graduate aspirants. With a specialization in finance, students can work in sectors including corporate finance and investment banking, venture capital, private equity, and others.
Fees
For domestic students, the tuition fee is calculated on the registration-based model. Post-registration, the fee assessment is available to the students. The approximate fee for Canadian students is ~$54,000 CAD. For international students, the tuition fee is calculated on the program-based model. The approximate fee for international students is ~$60,000.
Eligibility
In order to apply to the Alberta School of Business, students must fulfill the following eligibility criteria.
Undergraduate degree from a recognized university with a minimum GPA of 3.0
GMAT/GRE scores
English language proficiency test scores (IELTS/TOEFL)
Professional work experience (minimum 2 years in a relevant field)
Statement of intent letter
Letters of reference
Admission interviews
Career Opportunities after graduating
Most graduates from the Alberta School of Business need to complete a four-month internship program between the first and second years of the program. With a specialization in finance, graduates can work in a variety of roles including,
Investment Bankers
Chief financial officers
Traders
Risk Analyst
Corporate Finance Analyst
Credit Analyst
Financial Services Manager
Market Analyst
Treasury Analyst
Purchasing Agent
Venture Capitalists
Auditors
Money and Portfolio Managers
Since around 94% of graduates from the Alberta School of Business find employment within three months of graduation, students can expect to kickstart their careers in no time.
Admission process
Applicants are required to apply to the Alberta School of Business through their online application portal. The admission process includes,
Selection of the graduate program
Reviewing admission requirements
Preparation of documents and application
Follow-up through the website
5. Queen’s University at Kingston
Queen’s University is one of the oldest universities in Canada. It was established in 1841 and has since been the epitome of excellence in business education and research. It has been ranked 7th on the Times Higher Education Impact Rankings List and is amongst the top universities globally.The Smith School of Business at Queen’s University is well-known for producing some of the best graduates in the field of business and finance. The school has exchange partnerships with over 100 business schools worldwide.
Why study at Queen’s University?
The Master of Finance program offered by the Smith School of Business is one of the best finance-related programs in the world. The degree can be earned in two ways – in classroom format (full-time) or blended learning format (part-time).
It can also be taken in a way that professionals can continue in their current jobs while completing their MFin program. The MFin program is a CFA Institute Program Partner and it has close ties with the Toronto chapter of the CFA society.
The program boasts of having expert faculty, incredible industry partnerships, experiential learning opportunities, and career advancement centers to help graduates choose the right career path.
Fees
The tuition fees for domestic students for the MFin program are $40,300 CAD while international students will have to pay $73,300 CAD as the program fees.
Eligibility
In order to apply to the Smith School of Business, students must fulfill the following eligibility criteria.
Relevant full-time professional experience (minimum 2 years).
Completion of either CFA level 1 or GMAT.
Duly-filled application forms resume official transcripts, GRE/GMAT scores, TOEFL or IELTS scores, cover letter, two professional references, video questions, and written responses, and attend an interview (by invitation only).
Canadian study permit (student visa).
Undergraduate degree from a recognized university with a minimum GPA of 3.0
Career Opportunities after graduating
Over 98% of students found employment opportunities within 90 days of graduating from the Smith School of Business. Top recruiters include PwC, Kearney, Gartner, Deloitte, and Cisco, among others. Some of the top roles most graduates of the Smith School of Business get into include,
Credit Analyst
Risk Analyst
Equity Capitalist
Venture Capitalist
Portfolio Analyst
Investment Banking
Commercial Banking
Admission process
The admission process to get into the Smith School of Business includes,
Preliminary assessment
Completion of application forms
Submission of documents including resume, LOR, SOP, essays, GRE/GMAT scores, IELTS/TOEFL scores, interview with a member of the program team, and references.
Aspirants can read more about the admission procedures here.
6. University of Waterloo
The University of Waterloo was founded in 1957. It is considered to be the number one Canadian institution for experiential learning. The university has six faculties and four campuses with over 42,000 students across a variety of disciplines.
Why study at the University of Waterloo?
The School of Accounting and Finance at the University of Waterloo offers a Master’s in Quantitative Finance (MQF) program. The program focuses on fundamental subjects including mathematics, statistics, finance, econometrics, and computer science.
The four-term program has two options – thesis and research paper.
Fees
The full-time tuition and incidental fees for domestic students are $4,224.00 CAD and $548.95 CAD respectively per term. For international students, full-time tuition and incidental fees are $6,518.00 CAD and $800.95 CAD respectively.
Eligibility
In order to apply to The School of Accounting and Finance at the University of Waterloo, students must fulfill the following eligibility criteria.
A four-year honors degree (or equivalent) in a quantitative discipline with an average of 80%
Strong analytical skills and ability to handle rigorous mathematical analysis
Programming skills
English language proficiency (IELTS/TOEFL)
GMAT/GRE
General knowledge of financial markets and economics
Demonstrated interest in current developments in finance
Professional experience
Three undergraduate courses in calculus and one course in real analysis
Two undergraduate courses in algebra or linear algebra
Career Opportunities after graduating
The graduates of the MQF program pursue careers across a wide array of disciplines and these roles include,
Financial Engineers In Model Vetting And Risk Compliance
Portfolio Analysts,
Market Risk Analysts
Investment Banking And Audit
Asset Managers
Quantitative Finance
Admission process
The applicants are expected to submit their duly filled application forms before the deadline. Once completed, the supporting documents can be uploaded to the website. The documents include,
Transcripts
References
Supplementary information forms
Aspirants can find out more about the admission process here.
7. Université de Montréal
The Université de Montréal is one of Canada’s largest universities. It is ranked 4th amongst the top institutions of the country and is world-renowned for its quality education and research outcomes. HEC Montréal of the Université de Montréal offers a Master of Science – Finance program to those students who are looking to build a career in the field of finance.
Why study at Université de Montréal?
HEC Montréal is internationally acclaimed for its undergraduate and postgraduate programs in management education and research. With over 60 programs on offer, HEC Montréal is one of the top B-schools in Canada and in the world.
The MSc Finance courses are designed to help those students who are interested in becoming financial analysts or an adviser. The program provides knowledge in quantitative methods and economics. Theoretical knowledge, statistical insights, and econometrics are constantly put into practice.
Financial concepts including capital markets, financial assessment models, and others are explored in detail. Moreover, French language courses can help students to integrate into the Canadian culture, thereby improving their chances of being recruited by the Canadian job market.
Fees
The tuition fees for international students are $30,800 CAD while for domestic students it is $14,200 CAD, for the first four terms. The online admission fee is $310.63 CAD.
Eligibility
Students who are looking to get accepted into HEC Montréal need to fulfill the following eligibility criteria.
Undergraduate from a recognized university
English language proficiency tests (IELTS, TOEFL)
Necessary study permits/visa
GMAT or GRE scores
TAGE MAGE (score of 300 or higher)
Career Opportunities after graduating
With a 100% placement rate, HEC Montréal’s MSc – Finance program is carefully designed to create well-rounded graduates who are experts in solving problems related to financial planning and management.
Most of the program graduates end up in careers including,
Business intelligence analyst
Financial analyst
Investment analyst
Market parameters analyst
Risk manager
Admission process
The admission process at HEC Montréal can be seen here. The steps include,
Getting documents ready (including official transcripts, proof of compliance with language requirements, LOR, SOP, resumés, etc)
Submission of online application form
Payment of admission fees
Submission of supporting documents
Following up with the online account to know about the admission status
8. Western University
the University of Western Ontario or Western University among the top-ranking universities of Canada. It is well-renowned for its research-intensive programs and for its focus on providing quality education.With students from over 120 countries worldwide, it is one of the most inclusive universities in Canada. The Ivey Business School at Western University offers case-based business education to aspirants who look forward to kickstarting a career in a business or finance-related field.
Why study at Western University?
The School of Social Science at Western University offers a Master of Financial Economics (MFE) degree. This is a collaborative program that involves the Faculty of Law, Ivey Business School, the Department of Economics, and the Department of Statistical and Actuarial Sciences.
The MFE program is a 16-month, course-based graduate program that looks to accept students with analytical and quantitative skills. The conglomeration of the academic units ensures that students understand quantitative skills while also improving their analytical, mathematical, statistical, and economic knowledge.
Fees
For Canadian students, the tuition fees will come up to $45,164 CAD for four terms. For international students, the tuition fee is $80,568 CAD for four terms.
Eligibility
In order to apply to the MFE program, students must fulfill the following eligibility criteria.
A four-year undergraduate degree from a recognized university. The degree can be in Finance, Economics, Business, or Quantitative disciplines including Mathematics, Statistics, Actuarial Science, or a three-year international undergraduate degree with a minimum GPA of 3.14.
GMAT/GRE scores
English language proficiency test scores (IELTS/TOEFL)
Professional work experience (recommended but not a requirement)
Career Opportunities after graduating
Graduates of the MFE program can find career opportunities in a variety of fields including,
Finance
Investments And Risk Management With Banks
Pension Funds
Investment Banks
Consulting Firms
Regulatory Institutions
Admission process
The admission process can be jump-started by initiating the online application. The admission process involves various steps including,
Initiating online application form
Reviewing eligibility
Submission of necessary documents including transcripts, academic references, GRE scores, IELTS/TOEFL scores, and resume.
Completion of application fee payment.
9. York University
York University is one of Canada’s largest universities and is considered to be one of the leading universities in the world for research and development. The Times Higher Education World Rankings has placed York University in the 35th spot for meeting the UN’s sustainable development goals.
Why study at York University?
York University’s Schulich School of Business has been considered to be one of the best business schools in Canada by various organizations including Corporate Knights, Forbes & CNN Expansion.
The Master of Finance (MF) program at Schulich School provides robust real-world training and an analytical foundation that is required for a successful career in the field of finance. Through this program, students can learn about corporate finance, risk management, private equity, and other critical topics related to finance.
The MF program is also a partner of the Chartered Financial Analysts (CFA) institute and the Financial Risk Manager (FRM) designation that is provided by the Global Association of Risk Professionals (GARP).
The MF covers a large part of CFA so that students can prepare for the three levels as they pursue the program.
Fees
The full-time MF program covers three academic terms where each term is equal to one semester or 12 weeks.
The fees for the full-time MF program is $ 54,000 CAD for Canadian students and $ 84,100 CAD for international students who are on a study permit/visa.
The application fee is $150 CAD.
Eligibility
Students who would like to apply to Schulich’s MF program must satisfy the following eligibility criteria.
Undergraduate degree from a recognized post-secondary institution with a minimum average of B+.
Strong quantitative background
GMAT or GRE scores
Relevant work experience (minimum of 1 year)
Completed online application including essays, an up-to-date resume, references, and transcripts.
Proof of English language proficiency (IELTS, TOEFL).
Career Opportunities after graduating
The MF program creates graduates who can tackle real-life challenges with ease. Most graduates of the MF program work in a variety of fields including,
Investment Banks
Private Equity Firms
Corporate Finance Divisions
Banks
Treasury Analyst
Venture Capitalists
Consulting Companies
Government Agencies
Several multinational companies including IBM, KPMG, Deloitte, PwC, and others hire MF graduates from the Schulich School of Business.
Admission process
Students are required to create an online profile on the school’s system and submit the duly filled application form along with the necessary documents including LOR, SOP, essays, resumes, and copies of transcripts and GRE/GMAT scores. Students can only submit a single filled application form at a time.
Candidates who are interested in applying to the Schulich School of Business can check out the admission requirements here. The school organizes admission events to help students to understand the process of admission better.
10. University of Calgary
The University of Calgary was founded in 1966. It has five campuses all over the world with over 14 faculties that provide 250+ programs for aspiring students to choose from. The university has been consistently ranked amongst the top 10 universities in Canada. The university is well known for its quality of education and is ranked among the top five Canadian universities in research-related programs. It has also received over $480 million CAD in terms of research funding.
Why study at the University of Calgary?
The Faculty of Graduate Studies at the University of Calgary offers MBA programs with different specializations that includes finance.
Fees
The thesis-based tuition fees for domestic students are $3,533.28 CAD annually while for international students, it is $8,242.68 CAD.
Eligibility
In order to apply to the University of Calgary, students must fulfill the following eligibility criteria.
A four-year undergraduate degree from a recognized university with a minimum GPA of 3.0
GMAT/GRE scores
English language proficiency test scores (IELTS/TOEFL)
Resumé
Essays
Letters of reference
Career Opportunities after graduating
With a specialization in finance, MBA graduates from the University of Calgary can work in a variety of roles including,
Investment Bankers
Traders
Corporate Finance Analyst
Financial Services Manager
Chief financial officers
Risk Analyst
Credit Analyst
Admission process
The admission process at the University of Calgary involves the following.
Verifying the necessary admission requirements
Reviewing application deadlines
Submission of all necessary documents (including official transcripts, writing samples, study proposals, curriculum vitae, reference letters, and others)
11. Concordia University
Founded in 1974, Concordia University is one of Canada’s premier institutions that is focussed on groundbreaking research and imparting world-class education. With an international student population of over 9000, it is one of the most diverse universities in Canada. The university has two campuses – Loyola Campus and Sir George Williams Campus. With over 200 graduate and 400 undergraduate programs and courses, the university provides a wide array of options to aspiring students across a variety of disciplines.
Why study at Concordia University?
The John Molson School of Business at Concordia University offers an MSc in Finance degree. It is a research-based Master’s program that is designed to create graduates who have strong quantitative and analytical skills with a good understanding of economic theories.
Fees
The total fee to be paid for the MSc in Finance program is $ 20,617.98 CAD for domestic students. International students need to pay $ 55,242.12 CAD a year as tuition fees. The application fee is $100 CAD.
Eligibility
In order to apply to the John Molson School of Business, students must fulfill the following eligibility criteria.
Undergraduate degree from a recognized institution. Minimum of B average in final two years and a GPA of at least 3.00
GMAT/GRE scores.
English language proficiency test (IELTS/TOEFL).
Career Opportunities after graduating
Most graduates of the MSc in Finance program work in a variety of roles including
Investment Analyst
Equity Analyst
Commercial Banking
Portfolio Analyst
Data Analyst
Financial Analyst
Admission process
Students need to submit the duly filled application form along with the necessary documents including LOR, SOP, essays, resumes and copies of transcripts and GRE/GMAT scores.
The admission process includes,
Reviewing the required documents
Keeping a tab on the application deadlines
Contacting recruiters
12. Simon Fraser University
Simon Fraser University is the last Canadian university we shall discuss in the context of finance-related programs. The university is one of the top Canadian universities that are also among the top institutions of higher education in the world. The university is recognized the world over for its academic excellence, sustainable development, and innovations across different disciplines. The university has over 8 faculties that have over 34,000 students from across 140+ countries.
Why study at Simon Fraser University?
The Beedie School of Business at Simon Fraser University offers a Master of Science in Finance (MFin) program that can help finance professionals and aspirants to understand the role of finance in business. The full-time, 16-month-long program has been designed to cover the fundamentals of finance.
Fees
The tuition fees for domestic students are $37,731 CAD while it is $52,190 CAD for international students. The application fee is $90 CAD for Canadian students and $125 CAD for international students.
Eligibility
In order to apply to the MFin program from the Beedie School of Business, students must fulfill the following eligibility criteria.
A four-year undergraduate degree from a recognized university with a minimum GPA of 3.33
GMAT/GRE scores
English language proficiency test scores (IELTS/TOEFL/PTE/)
Statement of intent letter
Career Opportunities after graduating
The MFin graduates from the Beedie School of Business can expect to work for different types of employers including,
Banks And Financial Institutions
Investment Firms
Insurance Companies
Securities Regulators
Public Accounting Firms
Management Consulting Firms
Fintech
Some of the roles that MFin graduates take up include,
Corporate Banking Analyst
Capital Markets Analyst
Commercial Banking
Investment Banking Analyst
Quantitative Analyst
Admission process
The steps involved in the admission process at the Beedie School include,
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Terms of Service
Privileged and confidential
Terms of Use | August 24 2021
THE CHOPRAS GLOBAL HOLDINGS PTE LTD ("TC GLOBAL") END USER LICENSE AGREEMENT AND TERMS OF USE
PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THE SERVICES OFFERED BY TC GLOBAL. THESE TERMS OF USE SET FORTH THE LEGALLY BINDING TERMS AND CONDITIONS FOR YOUR USE OF THE WEBSITE AT https://tcglobal.com("THE "SITE") AND THE SERVICES, FEATURES, CONTENT, APPLICATIONS OR WIDGETS OFFERED BY TC GLOBAL ("SERVICE").
For the purposes of these Terms of Use, "TC Global" shall be deemed to include The Chopras Global Holdings Pte Ltd and/or its affiliates.
Acceptance of Terms
By registering for and/or using the Service in any manner, including but not limited to visiting or browsing the Site, you agree to all of the terms and conditions contained herein ("Terms of Use") and all other operating rules, policies and procedures that may be published from time to time on the Site by TC Global, each of which is incorporated by reference and each of which may be updated by TC Global from time to time without notice to you in accordance with the terms set out under the "Modification of Terms of Use" section below. In addition, some services offered through the Service may be subject to additional terms and conditions specified by TC Global from time to time; your use of such services is subject to those additional terms and conditions, which are incorporated into these Terms of Use by this reference. These Terms of Use apply to all users of the Service, including, without limitation, users who are contributors of content, information, and other materials or services on the Site, individual users of the Service, venues that access the Service, and users that have a page on the Service.
Access
Subject to these Terms of Use, TC Global may offer to provide the Services, as described more fully on the Site, and which are selected by you, solely for your own use, and not for the use or benefit of any third party. Services shall include, but not be limited to, any services TC Global performs for you, any applications or widgets offered by TC Global that you download from the Site or, subject to the terms set out under the "Third party Sites and Services" section below, from third party application stores (eg. App Store, Play Store or Google Apps Marketplace) authorized by TC Global, as well as the offering of any materials displayed or performed on or through the Services (including Content (as defined below)).
Registration and Eligibility
You are required to register with TC Global to browse the Site, view Content and access the Services only and represent, warrant and covenant that you provide TC Global with accurate and complete registration information (including, but not limited to a user name ("User Name"), e-mail address and/or mobile telephone number and a password you will use to access the Service) and to keep your registration information accurate and up-to-date. Failure to do so shall constitute a breach of these Terms of Use, which may result in immediate termination of your TC Global account. We recommend, but do not require, that you use your own name as your User Name so your contacts can recognize you more easily. You shall not:
Create any account for anyone other than yourself without such person's permission.
Use a username that is the name of another person with the intent to impersonate that person.
Use a username or TC Global account that is subject to any rights of a person other than you without appropriate authorization.
Use a username that is a name that is otherwise offensive, vulgar or obscene or otherwise unlawful.
TC Global reserves the right to refuse registration of, or cancel a User Name at its sole discretion. You are solely responsible and liable for activity that occurs on your account and shall be responsible for maintaining the confidentiality of your TC Global password. You shall never use another user's account without such other user's prior express permission. You will immediately notify TC Global in writing of any unauthorized use of your account, or other account related security breach of which you are aware.
You represent and warrant that if you are an individual, you are of legal age to form a binding contract, or that if you are registering on behalf of an entity or a minor, that you are lawfully authorized to enter into, and bind the entity or yourself (as the legal guardian of the minor) to, these Terms of Use and register for the Service. The Service is not available to individuals who are younger than 10 years old. TC Global may, in its sole discretion, refuse to offer the Service to any person or entity and change its eligibility criteria at any time.
You are solely responsible for ensuring that these Terms of Use are in compliance with all laws, rules and regulations applicable to you and the right to access the Service is revoked where these Terms of Use or use of the Service is prohibited and, in such circumstances, you agree not to use or access the Site or Services in any way.
If you use a mobile device, please be aware that your carrier's normal rates and fees, such as text messaging and data charges, will still apply. In the event you change or deactivate your mobile telephone number, you agree that you will update your account information on the Services within 48 hours to ensure that your messages are not sent to the person who acquires your old number.
Content
All Content, whether publicly posted or privately transmitted, is the sole responsibility of the person who originated such Content. TC Global cannot guarantee the authenticity of any Content or data which users may provide about themselves. You acknowledge that all Content accessed by you using the Service is at your own risk and you will be solely responsible and liable for any damage or loss to you or any other party resulting therefrom. For purposes of these Terms of Use, the term "Content" includes, without limitation, any location information, video clips, audio clips, responses, information, data, text, photographs, software, scripts, graphics, and interactive features generated, provided, or otherwise made accessible by TC Global on or through the Service. Content added, created, uploaded, submitted, distributed, posted or otherwise obtained through the Service by users, including Content that is added to the Service in connection with users linking their accounts to third party websites and services, is collectively referred to as, "User Submissions".
TC Global Content
The Service contains Content specifically provided by TC Global or its partners and such Content is protected by copyrights, trademarks, service marks, patents, trade secrets or other proprietary rights and laws, as applicable. You shall abide by and maintain all copyright notices, information, and restrictions contained in any Content accessed through the Service.
Subject to these Terms of Use, TC Global grants each user of the Site and/or Service a worldwide, non-exclusive, non-sub licensable and non-transferable license to use, modify and reproduce the Content, solely for personal, non-commercial use. Use, reproduction, modification, distribution or storage of any Content for other than personal, non-commercial use is expressly prohibited without prior written permission from TC Global, or from the copyright holder identified in such Content's copyright notice, as applicable. You shall not sell, license, rent, or otherwise use or exploit any Content for commercial (whether or not for profit) use or in any way that violates any third party right.
User Submissions
We may use your User Submissions in a number of different ways in connection with the Site, Service and TC Global's business as TC Global may determine in its sole discretion, including but not limited to, publicly displaying it, reformatting it, incorporating it into marketing materials, advertisements and other works, creating derivative works from it, promoting it, distributing it, and allowing other users to do the same in connection with their own websites, media platforms, and applications ("Third Party Media"). By submitting User Submissions on the Site or otherwise through the Service, you hereby do and shall grant TC Global a worldwide, non- exclusive, royalty-free, fully paid, sub licensable and transferable license to use, copy, edit, modify, reproduce, distribute, prepare derivative works of, display, perform, and otherwise fully exploit the User Submissions in connection with the Site, the Service and TC Global's (and its successors and assigns') business, including without limitation for promoting and redistributing part or all of the Site (and derivative works thereof) or the Service in any media formats and through any media channels (including, without limitation, third party websites and feeds). You also hereby do and shall grant each user of the Site and/or the Service, including Third Party Media, a non-exclusive license to access your User Submissions through the Site and the Service, and to use, edit, modify, reproduce, distribute, prepare derivative works of, display and perform such User Submissions in connection with their use of the Site, Service and Third Party Media. For clarity, the foregoing license grant to TC Global does not affect your other ownership or license rights in your User Submission(s), including the right to grant additional licenses to the material in your User Submission(s), unless otherwise agreed in writing with TC Global.
You represent and warrant that you have all rights to grant such license to us without infringement or violation of any third party rights, including without limitation, any privacy rights, publicity rights, copyrights, contract rights, or any other intellectual property or proprietary rights.
You understand that all information publicly posted or privately transmitted through the Site is the sole responsibility of the person from whom such Content originated; that TC Global will not be liable for any errors or omissions in any Content; and that TC Global cannot guarantee the identity of any other users with whom you may interact in the course of using the Service.
You should be aware that the opinions expressed in the Content in User Submissions are theirs alone and do not reflect the opinions of TC Global. TC Global is not responsible for the accuracy of any of the information supplied in User Submissions or in relation to any comments that are posted.
You should bear in mind that circumstances change and that information that may have been accurate at the time of posting will not necessarily remain so.
When you delete your User Submissions, they will be removed from the Service. However, you understand that any removed User Submissions may persist in backup copies for a reasonable period of time (but following removal will not be shared with others) or may remain with users who have previously accessed or downloaded your User Submissions.
Rules and Conduct
As a condition of use, you promise not to use the Service for any purpose that is prohibited by these Terms of Use. You are responsible for all of your activity in connection with the Service.
Additionally, you shall abide by all applicable local, state, national and international laws and regulations and, if you represent a business, any advertising, marketing, privacy, or other self-regulatory code(s) applicable to your industry.
By way of example, and not as a limitation, you shall not (and shall not permit any third party to) either (a)take any action or (b)upload, download, post, submit or otherwise distribute or facilitate distribution of any Content on or through the Service, including without limitation any User Submission, that:
belongs to another person and to which the user does not have any right;
is defamatory, obscene, pornographic, pedophilic, invasive of another's privacy, including bodily privacy, insulting or harassing on the basis of gender, libelous, racially or ethnically objectionable, relating or encouraging money laundering or gambling, or otherwise inconsistent with or contrary to the laws in force;
is harmful to a minor;
infringes any patent, trademark, copyright or other proprietary rights;
violates any law for the time being in force;
deceives or misleads the addressee about the origin of the message or knowingly and intentionally communicates any information which is patently false or misleading in nature but may reasonably be perceived as a fact;
impersonates another person;
threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order, or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting other nation;
contains software virus or any other computer code, file or program designed to interrupt, destroy or limit the functionality of any computer resource;
is patently false and untrue, and is written or published in any form, with the intent to mislead or harass a person, entity or agency for financial gain or to cause any injury to any person.
Additionally, you agree not to:
contact anyone who has asked not to be contacted, or makes unsolicited contact with anyone for any commercial purpose, specifically, contact any user to post an advertisement on a third party website or post any advertisement on behalf of such user; or to "stalk" or otherwise harass anyone;
make any libelous or defamatory comments or postings to or against anyone;
collect personal data about other users or entities for commercial or unlawful purposes;
use automated means, including spiders, robots, crawlers, data mining tools, or the like to download or scrape data from the Site, except for internet search engines (eg. Google) and non-commercial public archives (e.g. archive.org) that comply with our robots.txt file;
post Content that is outside the local area or not relevant to the local area, repeatedly post the same or similar Content, or otherwise impose unreasonable or disproportionately large loads on our servers and other infrastructure;
attempt to gain unauthorized access to computer systems owned or controlled by TC Global or engage in any activity that disrupts, diminishes the quality of, interferes with the performance of, or impairs the functionality of, the Service or the Site.
use any automated device or software that enables the submission of automatic postings on TC Global without human intervention or authorship (an "automated posting device"), including without limitation, the use of any such automated posting device in connection with bulk postings, or for automatic submission of postings at certain times or intervals; or
Any Content uploaded by you shall be subject to relevant laws and may disabled, or and may be subject to investigation under appropriate laws. Furthermore, if you are found to be in non-compliance with the laws and regulations, these terms, or the privacy policy of the Site, we may terminate your account/block your access to the Site and we reserve the right to remove any non-compliant Content uploaded by you.
TC Global does not guarantee that any Content or User Submissions (as defined above) will be made available on the Site or through the Service. TC Global has no obligation to monitor the Site, Service, Content, or User Submissions. However, TC Global reserves the right to (i) remove, suspend, edit or modify any Content in its sole discretion, including without limitation any User Submissions at any time, without notice to you and for any reason (including, but not limited to, upon receipt of claims or allegations from third parties or authorities relating to such Content or if TC Global is concerned that you may have violated these Terms of Use), or for no reason at all and (ii) to remove, suspend or block any User Submissions from the Service. TC Global also reserves the right to access, read, preserve, and disclose any information as TC Global reasonably believes is necessary to (i) satisfy any applicable law, regulation, legal process or governmental request, (ii) enforce these Terms of Use, including investigation of potential violations hereof, (iii) detect, prevent, or otherwise address fraud, security or technical issues, (iv) respond to user support requests, or (v) protect the rights, property or safety of TC Global, its users and the public.
Technical Failures
It is possible that you may face disruptions, including, but not limited to errors, disconnections or interferences in communication in the internet services, software or hardware that you have used to avail our Service. TC Global is not responsible for such factors in the disruption or interruption in the Service and you take full responsibility with complete knowledge for any risk of loss or damages caused due to interruption of services for any such reasons.
Advertisements, Third Party Sites and Services
Some of the TC Global Services are supported by advertising revenue and may display advertisements, promotions, and links to third-party websites. You hereby agree that TC Global may place such advertising and promotions on the TC Global Services or on, about, or in conjunction with your Content. The manner, mode and extent of such advertising and promotions are subject to change without specific notice to you.
The Service may permit you to link to other websites, services or resources on the Internet, and other websites, services or resources may contain links to the Site. When you access third party websites, you do so at your own risk. These other websites are not under TC Global's control, and you acknowledge that TC Global is not responsible or liable for the content, functions, accuracy, legality, appropriateness or any other aspect of such websites or resources. The inclusion of any such link does not imply endorsement by TC Global or any association with its operators. You further acknowledge and agree that TC Global shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such Content, goods or services available on or through any such website or resource.
Termination
TC Global may terminate your access to all or any part of the Service at any time, with or without cause, with or without notice, effective immediately, which may result in the forfeiture and destruction of all information associated with your membership. If you wish to terminate your account, you may do so by contacting us at hello@tcglobal.com till we develop the procedure on the website and apps. Any fees paid hereunder are non-refundable. All provisions of these Terms of Use which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.
Warranty Disclaimer
Save to the extent required by law, TC Global has no special relationship with or fiduciary duty to you. You acknowledge that TC Global has no control over, and no duty to take any action regarding: which users gain access to the Service; what Content you access via the Service; what effects the Content may have on you; how you may interpret or use the Content; or what actions you may take as a result of having been exposed to the Content.
You release TC Global from all liability for you having acquired or not acquired Content through the Service. The Service may contain, or direct you to websites containing, information that some people may find offensive or inappropriate. TC Global makes no representations concerning any Content contained in or accessed through the Service, and TC Global will not be responsible or liable for the accuracy, copyright compliance, legality or decency of material contained in or accessed through the Service and cannot be held liable for any third-party claims, losses or damages.
You release us from all liability relating to your connections and relationships with other users. You understand that we do not, in any way, screen users, nor do we inquire into the backgrounds of users or attempt to verify their backgrounds or statements. We make no representations or warranties as to the conduct of users or the veracity of any information users provide. In no event shall we be liable for any damages whatsoever, whether direct, indirect, general, special, compensatory, consequential, and/or incidental, arising out of or relating to the conduct of you or anyone else in connection with the Services, including, without limitation, bodily injury, emotional distress, and any damages resulting in any way from communications or meetings with users or persons you may otherwise meet through the Services. As such, you agree to take reasonable precautions and exercise the utmost personal care in all interactions with any individual you come into contact with through the Service,
particularly if you decide to meet such individuals in person. For example, you should not, under any circumstances, provide your financial information (e.g., credit card or bank account numbers) to other individuals.
THE SITE, SERVICE AND CONTENT ARE PROVIDED "AS IS", "AS AVAILABLE" AND ARE PROVIDED WITHOUT ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, NONINFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES IMPLIED BY ANY COURSE OF PERFORMANCE OR USAGE OF TRADE, ALL OF WHICH ARE EXPRESSLY DISCLAIMED, SAVE TO THE EXTENT REQUIRED BY LAW.
TC GLOBAL, AND ITS AFFILIATES, TEAM, DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, SUPPLIERS, PARTNERS AND CONTENT PROVIDERS DO NOT WARRANT THAT: (A) THE SERVICE WILL BE SECURE OR AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; (B) ANY DEFECTS OR ERRORS WILL BE CORRECTED; (C) ANY CONTENT OR SOFTWARE AVAILABLE AT OR THROUGH THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR (D) THE RESULTS OF USING THE SERVICE WILL MEET YOUR REQUIREMENTS. YOUR USE OF THE WEBSITE, SERVICE AND CONTENT IS SOLELY AT YOUR OWN RISK. SOME STATES / COUNTRIES DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
Indemnification
You shall defend, indemnify, and hold harmless TC Global, its affiliates and each of its and its affiliates' employees, contractors, directors, suppliers and representatives from all losses, costs, actions, claims, damages, expenses (including reasonable legal costs) or liabilities, that arise from or relate to your use or misuse of, or access to, the Site, Service, Content or otherwise from your User Submissions, violation of these Terms of Use, or infringement by you, or any third party using the your account, of any intellectual property or other right of any person or entity (save to the extent that a court of competent jurisdiction holds that such claim arose due to an act or omission of TC Global). TC Global reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with TC Global in asserting any available defenses.
Limitation of Liability
ALL LIABILITY OF TC GLOBAL, ITS AFFILIATES, DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, PARTNERS, SUPPLIERS OR CONTENT PROVIDERS HOWSOEVER ARISING FOR ANY LOSS SUFFERED AS A RESULT OF YOUR USE OF THE SITE, SERVICE, CONTENT OR USER SUBMISSIONS IS EXPRESSLY EXCLUDED TO THE FULLEST EXTENT PERMITTED BY LAW, SAVE THAT, IF A COURT OF COMPETENT JURISDICTION DETERMINES THAT LIABILITY OF TC GLOBAL, ITS DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, PARTNERS, SUPPLIERS OR CONTENT PROVIDERS (AS APPLICABLE) HAS ARISEN, THE TOTAL OF SUCH LIABILITY SHALL BE LIMITED IN AGGREGATE TO THE VALUE OF TC GLOBAL'S SERVICES AVAILED BY THE USER FOR 12 MONTHS PRIOR TO THE INITIATION OF A CLAIM.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL TC GLOBAL, NOR ITS DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, PARTNERS, SUPPLIERS OR CONTENT PROVIDERS, BE LIABLE UNDER CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE OR ANY OTHER LEGAL OR EQUITABLE THEORY OR OTHERWISE (AND WHETHER OR NOT TC GLOBAL, ITS DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, PARTNERS, SUPPLIERS OR CONTENT PROVIDERS HAD PRIOR KNOWLEDGE OF THE CIRCUMSTANCES GIVING RISE TO SUCH LOSS OR DAMAGE) WITH RESPECT TO THE SITE, SERVICE, CONTENT OR USER SUBMISSIONS FOR:
INDIRECT OR CONSEQUENTIAL LOSSES OR DAMAGES;
LOSS OF ACTUAL OR ANTICIPATED PROFITS;
LOSS OF REVENUE;
LOSS OF GOODWILL;
LOSS OF DATA;
LOSS OF ANTICIPATED SAVINGS;
WASTED EXPENDITURE; OR
COST OF PROCUREMENT OF SUBSTITUE GOODS OR SERVICES.
NOTHING IN THESE TERMS OF USE SHALL BE DEEMED TO EXCLUDE OR LIMIT YOUR LIABILITY IN RESPECT OF ANY INDEMNITY GIVEN BY YOU UNDER THESE TERMS OF USE. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN SUCH CASES, TC GLOBAL'S LIABILITY WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.
Governing Law
A printed version of these Terms of Use and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms of Use to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. You and TC Global agree that any cause of action arising out of or related to the Service must commence within one (1) year after the cause of action arose; otherwise, such cause of action is permanently barred.
Terms of Use and all other policies available on this Service shall be interpreted and construed in accordance with the laws of India. Any dispute arising out of or in connection with these Terms of Use and/ or other policies available on this App, including any question regarding its existence, validity or termination, shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre ("SIAC") in accordance with the Arbitration Rules of the Singapore International Arbitration Centre ("SIAC Rules") for the time being in force, which rules are deemed to be incorporated by reference in this clause. The Tribunal shall consist of 3 arbitrators. The seat and venue of Arbitration shall be Singapore and the language of proceedings shall be English. Subject to the foregoing, the Courts of Singapore shall have exclusive jurisdiction over any disputes relating to the subject matter, herein.
Notwithstanding the foregoing, if a dispute arises with respect to the validity, scope, enforceability, inventorship, ownership, infringement, breach or unauthorised use of any patent, trademark, copyright or other intellectual property right or any non-proprietary data owned and/or controlled by TC Global, whether or not arising from the Terms of Use, such dispute (at the option of TC Global) shall not be submitted to arbitration and instead, TC Global shall be free to initiate litigation, including but not limited to a claim for interim injunctive relief, in a court of competent jurisdiction, in any country or other jurisdiction in which such rights apply.
Integration and Severability
These Terms of Use are the entire agreement between you and TC Global with respect to the Service and use of the Site, Service, Content or User Submissions, and supersede all prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and TC Global with respect to the Site. If any provision of these Terms of Use is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms of Use will otherwise remain in full force and effect and enforceable. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder. Waiver of compliance in any particular instance does not mean that we will waive compliance in the future. In order for any waiver of compliance with these Terms of Use to be binding, TC Global must provide you with written notice of such waiver through one of its authorized representatives.
Modification of Terms of Use
TC Global reserves the right, at its sole discretion, to modify or replace any of these Terms of Use, or change, suspend, or discontinue the Service (including without limitation, the availability of any feature, database, or content) at any time by posting a notice on the Site or by sending you notice through the Service or via email. TC Global may also impose limits on certain features and services or restrict your access to parts or all of the Service without notice or liability. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Service following the posting of any changes to these Terms of Use constitutes acceptance of those changes. You shall also be notified of any modifications to these Terms of Use as and when effected or at least once a year.
Other Provisions
Claims of Copyright or Trademark Infringement
Claims of copyright or trademark infringement should be sent to TC Global's designated agent. If you believe that someone is infringing your copyright or trademark rights on the Site, you can report it to us by contacting our designated agent at hello@thechoprasglobal.com with a report containing the following information:
your complete contact information (name, mailing address and phone number),
a detailed description of the Content that you claim infringes your copyright or trademark along with details on how it infringes upon your copyright or trademark,
the web address (URL) of the infringing content,
a declaration that you are filing this report in good faith and that all the information provided is accurate and that you are the owner of the copyright and/or trademark in question.
Please attach your digital signature or physical signature to the report.
Within 36 hours of receiving this notice with the above mentioned details, we will take down the allegedly infringing material from public view while we assess the issues identified in your notice.
On completion of the take-down procedure above:
If the complainant is successful in obtaining an order of injunction from a court of competent jurisdiction within 21 days from filing the complaint, the material will be permanently removed from TC Global's Site and database upon TC Global being provided with a copy of such order;
If the complainant is not successful in obtaining an order of injunction from a court of competent jurisdiction within 21 days from receiving notice from the complainant, the material will be made available for public view once again.
Before you submit a report of infringement, you may want to send a message to the person who posted the Content. You may be able to resolve the issue without contacting TC Global. Please remember, only the copyright/trademark owner or their authorized representative may file a report of infringement. If you believe something on the Site infringes someone else's copyright/trademark, you may want to let the rights owner know.
Notice
TC Global may give notice by means of a general notice on the Site / Service, notification within the mobile application on your account, electronic mail to your email address in your account, or by written communication sent to your address as set forth in your account. You may give notice to TC Global by written communication to TC Global's email address at hello@tcglobal.com or physical address at No. 3, Shenton Way, #10-05/06, Shenton House, Singapore, 068805.
General
You may not assign or transfer these Terms of Use in whole or in part without TC Global's prior written approval. You hereby give your approval to TC Global for it to assign or transfer these Terms in whole or in part, including to: (i) a subsidiary or affiliate; (ii) an acquirer of TC Global's equity, business or assets; or (iii) a successor by merger. No joint venture, partnership, employment or agency relationship exists between you, TC Global or any Third Party Provider as a result of the contract between you and TC Global or use of the Services.
If any provision of these Terms is held to be illegal, invalid or unenforceable, in whole or in part, under any law, such provision or part thereof shall to that extent be deemed not to form part of these Terms but the legality, validity and enforceability of the other provisions in these Terms shall not be affected. In that event, the parties shall replace the illegal, invalid or unenforceable provision or part thereof with a provision or part thereof that is legal, valid and enforceable and that has, to the greatest extent possible, a similar effect as the illegal, invalid or unenforceable provision or part thereof, given the contents and purpose of these Terms. These Terms constitute the entire agreement and understanding of the parties with respect to its subject matter and replaces and supersedes all prior or contemporaneous agreements or undertakings regarding such subject matter. In these Terms, the words "including" and "include" mean "including, but not limited to."
Miscellaneous
TC Global shall not be liable for any failure to perform its obligations hereunder where such failure results from any cause beyond TC Global's reasonable control, including, without limitation, mechanical, electronic or communications failure or degradation (including "line-noise" interference). These Terms of Use are personal to you, and are not assignable, transferable or sublicensable by you except with TC Global's prior written consent. TC Global may assign, transfer or delegate any of its rights and obligations hereunder without consent. No agency, partnership, joint venture, or employment relationship is created as a result of these Terms of Use and neither party has any authority of any kind to bind the other in any respect.
Unless otherwise specified in these Term of Use, all notices under these Terms of Use will be in writing and will be deemed to have been duly given when received, if personally delivered or sent by certified or registered mail, return receipt requested; when receipt is electronically confirmed, if transmitted by facsimile or e-mail; or the day after it is sent, if sent for next day delivery by recognized overnight delivery service.
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
Privacy Policy
Privileged and confidential
Privacy Policy | September 6, 2021
INTRODUCTION
The Chopras Global Holdings PTE Ltd. is an entity registered in Singapore. We are engaged in the business of providing a global education, learning, and investment services Site which caters to students, professionals, universities, corporates and governments. We are committed to ensuring that privacy of our clients, visitors, and other users of the website https://tcglobal.com, its subdomains, the web applications and mobile applications ("Site") is always respected. This Privacy Policy ("Policy") is to serve as a testament to our sincere efforts to uphold privacy laws. In this Policy, "TC Global", "we", or "us" refers to The Chopras Global Holdings PTE Ltd. and its affiliates and "you" refers to a user who has provided any information including Personal Information (as defined below) and using any features therein.
The protection and security of your Personal Information and Usage Information (as defined below) is one of our top priorities. This Privacy Policy discloses and explains how we collect, use, share and protect Personal Information, Usage Information or any other information about you. We also provide information regarding how you can access and update your Personal Information and make certain choices about how your Personal Information is used by us. This Privacy Policy does not apply to information we collect by other means (including offline) or from other sources.
This Privacy Policy explains what information of yours will be collected by TC Global when you access the Site, how the information will be used, and how you can control the collection, correction and/or deletion of information. We will not use or share your information with anyone except as described in this Privacy Policy. The use of information collected through our Site shall be limited to the purposes under this Privacy Policy.
INFORMATION COLLECTION BY TC GLOBAL
Data Controller and Data Processor:
TC Global controls, collects, owns and directs the use of the Personal Information and Usage Information on its Site and TC Global is the data controller and data processor as regards the Personal Information and Usage Information collected on its Site. For any queries regarding this Privacy Policy and the collection and use of data collected or processed under this Privacy Policy, TC Global can be contacted by mail at The Chopras Global Holdings PTE Ltd, 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.
Legal basis for collection and processing of Personal/Usage Information:
The legal basis for collection and processing of any information collected and processed by TC Global including the Personal Information is (i) your consent at the time of providing the Personal Information; (ii) where it is in our legitimate interests to do so and not overridden by your rights (for example, in some cases for direct marketing, fraud prevention, network and information systems security, responding to your communications, the operation of networks of groups by the network administrators, and improving our Site). In some cases, we may also have a legal obligation to collect information about you or may otherwise need the information to protect your vital interests or those of another person. We may also process information to comply with a legal requirement or to perform a contract.
Basic Information
TC Global may ask you to provide certain categories of information such as personal information, which is information that coold reasonably be used to identify you personally, such as your name, gender, family details, address, e-mail address, nationality, details of your passport and other government ID, financial information, academic record / education history, date of birth, mobile number, travel history and medical records ("Personal Information"), when you access the Site, in order to provide you with the services requested.
Additionally, we may collect this information through various forms and in various places through the Site, including when you first register with us, when you create a transaction, when you contact us, when you update your information or from time to time or when you otherwise interact with us. TC Global may include registration, surveys, and other online forums where users will need to provide Personal Information.
Additional Information
Cookies: TC Global may use standard "cookie" browser application feature to collect and understand Site usability trends. Cookies are text files that we may place in your computer browser to store your preferences. Cookies are used to record various aspects of your visit and assist us in providing you with uninterrupted service. One of the primary purposes of cookies is to store your preferences and other information on your computer in order to save you time by eliminating the need to repeatedly enter the same information and to display your personalized content. Cookies are divided into "first party" and "third party":
First party cookies are the cookies served by the owner of the domain. In our case, that's TC Global. Any cookie we place ourselves is a "first-party cookie."
Third-party cookies are cookies placed on our domains by trusted partners that we've allowed to do so. These can be social media partners, advertising partners, security providers, and more. And they can be either "session cookies" or "permanent cookies":
Session cookies only exist until you close your browser, ending what's called your "session." Then they're deleted.
Permanent cookies have a range of lifespans and stay on your device after the browser is closed. On the Site, we try to only serve permanent cookies (or allow permanent cookies to be served by third parties) that have a limited lifespan. However, for security reasons or in other exceptional circumstances, sometimes we may need to give a cookie a longer lifespan.
Web browser cookies may store info such as your IP address or other identifiers, your browser type, and info about the content you view and interact with on digital services. By storing this info, web browser cookies can remember your preferences and settings for online services and analyze how you use them.
Along with cookies, we also use tracking technologies that are very similar. Our Site may contain small transparent image files or lines of code that record how you interact with them. These include "web beacons," "scripts," "tracking URLs," or "software development kits" (known as SDKs):
Web beacons have a lot of different names. They might also be known as web bugs, tracking bugs, tags, web tags, page tags, tracking pixels, pixel tags, 1x1 GIFs, or clear GIFs. In short, these beacons are a tiny graphic image of just one pixel that can be delivered to your device as part of a web page request, in an app, an advertisement, or an HTML email message. They can be used to retrieve info from your device, such as your device type, operating system, IP address, and the time of your visit. They are also used to serve and read cookies in your browser or to trigger the placement of a cookie.
Scripts are small computer programs embedded within our web pages that give those pages a wide variety of extra functionality. Scripts make it possible for the website to function properly. For example, scripts power certain security features and enable basic interactive features on our website. Scripts can also be used for analytical or advertising purposes. For example, a script can collect info about how you use our website, such as which pages you visit or what you search for.
Tracking URLs are links with a unique identifier in them. These are used to track which website brought you to the Site. An example woold be if you clicked from a social media page, search engine, or one of our affiliate partners' websites.
Software Development Kits (SDKs) are part of our apps' source code. Unlike browser cookies, SDK data is stored in the app storage. They're used to analyze how the apps are being used or to send personalized push notifications. To do this, they record unique identifiers associated with your device, like your device ID, IP address, in-app activity, and network location.
All these tracking technologies are referred to as "cookies" here in this Cookie Statement.
However, no Personal Information identifying the user is collected nor any data capture mechanisms are employed. The user may change browser settings to accept or reject cookies on personal preference. You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify the browser setting to decline cookies if you so prefer. If you choose to decline cookies, you may not be able to sign in or use other interactive features of the Site that may depend on cookies. If you choose to accept cookies, you also have the ability to later delete cookies that you have accepted. If you choose to delete cookies, any settings and preferences controlled by those cookies, including advertising preferences, will be deleted and may need to be recreated. We process and keep all data for our own use and, if you wish to opt-out from tracking by TC Global you can do so at hello@thechoprasglobal.com
Information Collected Automatically: In addition to any Personal Information or other information that you choose to submit to us, we may use a variety of technologies that automatically (or passively) collect certain information whenever you access the Site ("Usage Information"). This Usage Information may include the browser that you are using, the URL that referred you to our Site, mobile device model (manufacturer), OS type (IOS/android), OS version, network carrier, IP address, mobile screen size, time zone of the user, browser details, among other information. Usage Information may be non-identifying or may be associated with you. Whenever we associate Usage Information with your Personal Information, we will treat it as Personal Information and the conditions relating to Personal Information under this Privacy Policy will be followed. Traffic data, while anonymous, is gathered and analysed for business needs.
Information Third Parties Provide About You: We may, from time to time, supplement the information we collect about you through our Site with outside records from third parties obtained rightfolly in order to enhance our ability to serve you, to tailor our content to you and to offer you opportunities to use such of our Services that we believe may be of interest to you. We may combine the information we receive from such third party sources with information we collect through the Site or through independent research conducted by TC Global, with your consent. In these cases, we will apply this Privacy Policy to any Personal Information received, unless otherwise provided. We may process such information received from third parties for legitimate commercial purposes or to enter into contractual obligations with you or to folfil certain contractual obligations or where you have requested third parties to provide information about yourself to us.
Processing of Data:
TC Global may also process any Personal Information or Usage Information collected from you for legitimate commercial purposes including to provide you with the requisite information requested. A list of uses of the Personal Information and Usage Information collected is provided at Section 3 of this Policy (Use of Information Collected).
TC Global implements appropriate technical and organisational measures to ensure a level of security appropriate to the risk of our processing of information about individuals such as (i) only sharing and providing access to your information to the minimum extent necessary, subject to confidentiality restrictions where appropriate, and on an anonymised basis wherever possible; (ii) using secure servers to store your information; (iii) verifying the identity of any individual who requests access to information prior to granting them access to information; and (iv) using Secure Sockets Layer (SSL) software or other similar encryption technologies to encrypt any payment transactions you make on or via our Site.
Right of a user in relation to data submitted:
Any user who has submitted Personal Information on the Site has the right to (i) access, correct, delete such Personal Information subject to us successfolly verifying your identity; (ii) object to us processing your Personal Information on legitimate grounds; (iii) to withdraw your consent to our use of your information at any time where we rely on your consent to use or process that information; (iv) opting out of receiving any promotional or marketing material by clicking on the "Unsubscribe" button or by sending an email to [hello@thechoprasglobal.com]. Please note that if you withdraw your consent, this will not affect the lawfolness of our use and processing of your information on the basis of your consent before the point in time when you withdraw your consent; (v) right to have the Personal Information transferred to another data controller; and (vi) lodge a complaint with a supervisory authority, in particolar in the jurisdiction of your habitual residence, place of work or of an alleged infringement of any applicable data protection laws. Any request received by us by the user in relation to the aforesaid shall be acknowledged by us within seventy-two (72) business hours.
USE OF INFORMATION COLLECTED
Business Purposes:
TC Global does not share any Personal Information with any third party without your consent, except when directed by the law. TC Global can use this data to verify user identity in line with engagement initiated by the user. We will communicate with you using the contact information provided by you in order to respond to any queries that you may have and to provide any information that you may request regarding the services provided through the Site. We may communicate with you either by written, physical communication, email, telephone, SMS or via notifications on your mobile device. We may also send strictly service-related announcements to you periodically and when it is necessary to do so. For instance, if our services are temporarily suspended for maintenance, we might send you an email, text message, flash notification or telephone call. If you do not wish to receive such alerts, you have the option to unsubscribe from such emails or opt out by sending an email to hello@thechoprasglobal.com.
We may use Personal Information or Usage Information collected through the Site in the following ways:
to operate and improve our Site and tools associated with the Site;
to create aggregated and anonymized information to determine which Site features are most popolar and usefol to users, and for other statistical analyses;
to prevent, discover and investigate violations of this Privacy Policy or the Terms of Use of the Site, and to investigate fraud or other matters;
To customize the content or the services on the Site for you, or the communications sent to you through the Site.
To help provide you the services accessible through the Site, which may include liaising and providing information to visa/customs/immigration offices of various countries and admissions offices of universities situated across the globe;
To observe, improve and administer the quality of services on the Site;
To analyze how the Site is used, diagnose technical problems;
Remember the basic information provided by you for effective access;
To confirm your identity in order to determine your eligibility to use the Site and avail our services;
To notify you about any changes to the Site;
To enable TC Global to comply with its legal and regolatory obligations;
For the purpose of sending administrative notices, service-related alerts and other similar communication with a view to optimizing the efficiency of the Site;
Doing market research, troubleshooting, protection against error, project planning, fraud and other criminal activity; and
To enforce TC Global's Terms of Use.
Marketing activities: We use your information for marketing activities. These activities include:
Using your contact info to send you regolar news about relevant products and services. You can unsubscribe from email marketing communications quickly, easily, and anytime. All you need to do is click the "Unsubscribe" link included in each newsletter or other communication.
Based on your info, individualized offers might be shown to you on the Site, on mobile apps, or on third-party websites/apps (including social media sites), and the content of the site displayed to you might be personalized. These coold be offers that you can book directly on the Site, on co-branded sites, or other third-party offers or products we think you might find interesting.
When you participate in other promotional activities (e.g. sweepstakes, referral programs, or competitions), relevant info will be used to administer these promotions.
Anonymous:
We may share non-Personal Information, such as aggregated user statistics and log data, with our business partners for industry analysis, demographic profiling, to deliver targeted advertising about other products or services, or for other business purposes. This information is solely used to analyze company Site and understand usage statistics, as mentioned above, is anonymous. The company may share this data with its business partners on anonymous basis. We do not sell, share, rent or trade the information we have collected about you, including Personal Information, other than as disclosed within this Privacy Policy or at the time you provide your information. We do not share your Personal Information with third parties for those third parties' direct marketing purposes unless you consent to such sharing at the time you provide your Personal Information.
Administrative and Legal Reasons:
We cooperate with government and law enforcement officials and private parties to enforce and comply with the law. Thus, we may access, use, store, transfer and disclose your information (including Personal Information), including disclosure to third parties such as government or law enforcement officials or private parties as we reasonably determine is necessary and appropriate: (i) to satisfy any applicable law, regolation, governmental requests or legal process; (ii) to protect the safety, rights, property or security of TC Global, our services, the Site or any third party; (iii) to protect the safety of the public for any reason; (iv) to detect, prevent or otherwise address fraud, security or technical issues; and /or (v) to prevent or stop any activity we consider to be, or to pose a risk of being, an illegal, unethical, or legally actionable activity. Such disclosures may be carried out without notice to you.
Business Transfer:
We may share your information, including your Personal Information and Usage Information with our parent, subsidiaries and affiliates for internal reasons. We also reserve the right to disclose and transfer all such information: (i) to a subsequent owner, co-owner or operator of the Site or applicable database; or (ii) in connection with a corporate merger, consolidation, restructuring, the sale of substantially all of our membership interests and/or assets or other corporate change, including, during the course of any due diligence process. You will be notified via email and/or a prominent notice on our Site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information. We will endeavor that the transferee who is the recipient of Personal Information and Usage Information commits to privacy measures which are substantially similar to the measures under this privacy policy.
THIRD PARTY CONTENT AND LINKS TO THIRD PARTY SERVICES
We do not include or offer third party products or services on our Site.
DATA TRANSFER
Your information may be stored and processed in Singapore or any other country in which TC Global or its subsidiaries, affiliates or service providers maintain facilities. TC Global may transfer information that we collect about you, including Personal Information, to affiliated entities, or to other third parties across borders and from your country or jurisdiction to other countries or jurisdictions around the world. These countries may have data protection laws that are different to the laws of your country and, in some cases, may not be as protective. We have taken appropriate safeguards to require that your information will remain protected in accordance with this Privacy Policy by entering into requisite agreements with the concerned transferees.
DATA RETENTION
Your information will be retained with TC Global as long as it is needed by TC Global to provide services to you. If you wish to cancel your account or request that TC Global no longer uses your information to provide services, you may contact TC Global at hello@tcglobal.com.. TC Global will promptly delete the information as requested. TC Global will retain and use your information as necessary to comply with its legal obligations, resolve disputes, and enforce its agreements or for other business purposes. When TC Global has no ongoing legitimate business need to process your information, we will either delete or anonymize it.
CONTACT & POLICY UPDATES
In case on any queries on this privacy policy, please contact us at hello@thechoprasglobal.com. TC Global reserves the right to update or modify any part of this policy or make any changes without prior notice to the user. The user is advised to check this page periodically to stay abreast of any policy changes by us.
CHANGE OF INFORMATION AND CANCELLATION OF ACCOUNT
You are responsible for maintaining the accuracy of the information you submit to us, such as your contact information provided as part of account registration. If your Personal Information changes, or if you no longer desire to access the Site, you may correct, delete inaccuracies, or amend information by contacting us through hello@tcglobal.com and we will respond within 72 hours of receipt of communication.
You have the right to request that we rectify or delete the personal data or restrict the processing of your personal data, if you think they are inaccurate. Furthermore, you have the right to object against the processing based on our legitimate interests as a legal basis. We are required to assess and act on your request. Additionally, you also have the right to data portability if it shoold become relevant. You have a right to lodge a complaint with your local supervisory authority.
[You may also cancel or modify your communications that you have elected to receive from the Site by logging into your user account and changing your communication preferences.
If you wish to cancel your account or request that we no longer use your information to provide you details with respect to our services and the Site, please write to us at hello@tcglobal.com.
OPT-OUT
If you wish to opt out of receiving non-essential communications such as promotional and marketing-related information regarding the Site and our services, please send TC Global an email at hello@tcglobal.com.
CHANGES TO THE PRIVACY POLICY
From time to time, we may update this Privacy Policy to reflect changes to our information practices. Any changes will be effective immediately upon the posting of the revised Privacy Policy on the Site. If we make any material changes, we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on the Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.
GRIEVANCE REDRESSAL
If you have any questions or concerns about this Privacy Policy, please feel free to contact us by writing to us at hello@thechoprasglobal.com or using the details provided on our 'Contact Us' page. We will use reasonable efforts to respond promptly to requests, questions or concerns you may have regarding our use of personal information about you. Except where required by law, TC Global cannot ensure a response to questions or comments regarding topics unrelated to this policy or Company's privacy practices.
CONSENT
By consenting to the terms under this Privacy Policy, you are expressly granting TC Global the right to collect, share, transfer, store, retain, disseminate or use the Personal Information/Usage Information collected by TC Global from your usage of the Site in accordance with the terms of the Privacy Policy. You may, at any time, withdraw consent for the collection or processing of Personal Information/Usage Information by sending an email to hello@tcglobal.com. TC Global, shall within 72 hours delete or anonymize the data collected from you.
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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