When looking to study abroad, the choice between USA vs UK can be a hard one to make. Both are sought after study destinations with English as their national language, and both the countries have top ranked universities and colleges. To make an informed choice one needs to have a better knowledge of what it means to study, work and live there, and the costs involved.
We break it down simply here.
The US is made of 50 constituent states while the UK is the aggregation of England, Scotland, Wales and Northern Ireland. One is a federal democracy while the other has a constitutional monarchy and a parliament. These are general facts that most of us might know.
But what makes one a better choice for Indian students? Both the US and the UK have top universities – so how do you decide?
What are the advantages and disadvantages of studying in each country?
The UK and the US have undoubtedly been the most popular study destinations for students from India for the longest time. Both nations are known for their world-class education systems, standard of living, research facilities and career building opportunities.
Then, how does one choose between the two?
Here is your answer. The most important thing to keep in mind is the course of your choice and the university’s standing in relation to the course. This has to be at the centre of all your choices.
Then come all the other factors such as
The teaching-learning style of the department you are applying to
The costs involved
The admissions criteria that you need to meet
Immigration policies and job opportunities and
Attitudes towards international students in the university/ city/ country.
Keeping all these factors in mind, we have curated a pro-con list of studying in both the countries. Here’s a quick look at the pros and cons.
UK
US
Your choice depends on
Quality of Education
Top-tier universities rich with history and legacy
27 of the top 100 universities in the world are in the US.
The country that’s better suited for your course and post-study work options
Flexibility
Not much flexibility. You decide your course during your application process. Most universities do not allow you to change or experiment with courses.
Very flexible (barring exceptions). You can change your major after admission. Even after choosing your major, you can take courses offered by other faculties.
UK education goes in-depth while the US gives you a choice between in-depth and broadening your horizons.
If you’re unsure about your major and may want to change, the US may be better
Duration
Shorter courses – A bachelor’s degree is 3 years, and master’s 1 year.
You can complete a bachelor’s and a master’s course in the same amount of time it takes to do a bachelor’s in the US.
Longer courses: 4 year bachelor’s degrees and 2 year master’s degrees are more common.
Your style of learning and finances. Programmes in the UK can get loaded and intensive since they provide the same level of education in a shorter span. You also get to save on tuition and living expenses.
The US gives you more time and flexibility to explore everything the university has to offer. It also means that you are paying more.
Tuition Fees Per Year
Considerably lower tuition when compared to the US. Average tuition of £22,200 ($28,619.46) for UG and £17,109 ($22,070) for PG.
Average tuition fee of $38,200 for bachelor’s courses. Master’s can range from $25,000 – $120,000. Ivy Leagues and other tier 1 schools are significantly more expensive
Based on absolute figures, the US is significantly more expensive.
But, it’s also at the cutting edge of many STEM programmes as compared to the UK.
The USA is also a world leader in tech and innovation and the largest economy in the world.
Cost of Living
Except for London, the average cost of living is about £1,100 ($1,425) per month.
If you are living in London, you can add another £200-300 to your monthly expenses.
The cost of living is also higher when compared to the UK.
You will need at least $2,000 a month to live in a city like New York.
The UK is comparatively more affordable, especially if you consider the free healthcare that even international students are eligible for.
Post Study Work Regulation
The Graduate Immigration Route gives you two years to live and work in the UK after which you can work for a skilled worker visa.
Immigration and post-study work policies are stricter.
On completion of your course, you have 90 days to find a job for your OPT (1 – 2 years) and then a grace period of 60 days (after OPT) to upgrade into a work visa such as H1B (which is a lottery system).
The US has relatively stricter immigration laws when compared to the UK.
Campus Life
UK universities are slightly more formal in their approach.
Extra-curricular activities do not rank very highly in their list of priorities unless it is a reputed club like the Oxford Debating Society.
University life is more wholesome with enough importance also placed on extracurricular activities.
Teaching styles are comparatively more informal, where students are expected to present original arguments.
The UK is more academically oriented while the US offers a well-rounded university lifestyle.
The US also has scholarships specifically for athletes and sportspersons.
Safety
Living in a new country comes with its set of challenges and concerns for safety.
There have been isolated incidents of racial discrimination but the UK is comparatively safer.
Gun and racial violence are genuine concerns for international students.
These concerns can be addressed based on the city and your lifestyle choices.
Weather
The UK is notorious for its dreary and unpredictable weather.
The US has different climates depending on which part of the country you are going to.
You can choose from the icy cold regions bordering Canada to the desert of California or the coasts of Florida.
A choice based on personal preferences
Let us now look into the pros and cons in detail.
The United Kingdom
ADVANTAGES
1. Top Tier Universities: If you are looking at the United Kingdom to pursue your higher education, there are a number of world renowned universities and colleges to suit your requirements. Unlike the US, UK universities also have the weight of history and legacy, making them more renowned across the globe.
Some of the oldest universities in the world are located in the UK. The top universities such as Universities of Oxford or Cambridge are synonymous with academic excellence. In addition to your course, these kinds of universities train you on critical thinking and problem solving skills, have access to state-of-the-art research infrastructure and provide excellent opportunities for global networking.
The UK is also a great destination for courses to study after 12th grade – it has a superb variety for programmes in some top universities.
Here is a list of the top ten universities in the UK according to 2023 QS World University Rankings.
S.No
World Ranking
University
1
2
University of Cambridge
2
4
University of Oxford
3
6
Imperial College London
4
8
UCL
5
15
University of Edinburgh
6
28
University of Manchester
7
37
King’s College
8
56
London School of Economics and Political Science (LSE)
9
61
University of Bristol
10
64
University of Warwick
2. Shorter Duration of Programmes:
Degrees in the UK are shorter when compared to the American education system. A bachelor’s degree is typically 3 years while a postgraduate programme can be completed within the span of a year. Even the average time taken to complete a doctoral research is lesser, compared to that of the US.
3. Lower Cost of Studying and Living:
The shorter duration also means that you are saving a year’s tuition. Moreover, when you look at absolute figures, tuition in the UK is significantly lower than that of the US. The average cost of an undergraduate course is £22,200 and a post graduate programme is £17,109 per year (Source: British Council). The same applies for cost of living as well. Let us look at rent for instance. You can find a room in a shared accommodation in most cities in the UK for around £550 (Around £700 in London). In the US, shared rooms can cost anywhere between $700 – $900, depending on the city.
4. Tutorial Systems:
In addition to the lectures, the UK education system also has the practice of tutorials, where a small group of students interact closely with a graduate or a doctoral student as part of the study. This provides one-on-one attention and builds research interest in undergraduate students.
5. More time and flexibility to find jobs after graduation:
International students are eligible to stay and work in the country for two years under the Graduate Immigration Route after which you can apply for a skilled worker visa. This gives you a longer duration and flexibility to find other jobs in the UK and build your career. The UK also has one of the highest GDP in Europe after Germany, signifying its position as a strong economy.
6. Free Healthcare:
Under the NHS, even international students who have entered the United Kingdom on a valid student visa are eligible for free healthcare.
7. Diverse cultures:
The UK’s fame as a global study destination means that a number of international students flock to the country. With its colonial history, the culture of the UK has become extremely diverse, allowing you to meet, interact and network with people from all walks of life.
DISADVANTAGES
1. Pound – INR Conversion:
As a student going from India, it is natural to subconsciously multiply your expenses by 100 to see how much it translates into rupees. This makes life in the UK appear unaffordable. This stops being an obstacle the more you get accustomed to life in the UK and start earning.
2. Formal learning set-ups:
The culture of universities in the UK is more formal when compared to the US. This approach to education is also part of a cultural difference that exists between the UK and the US. Universities are made of “colleges” dedicated to specific subjects or departments. You apply to a specific college and a course rather than to the university as a whole for specific courses. Most schools do not give you the option of trying out a few courses and then declaring your speciality.
3. Shorter Duration:
While this is also an advantage, it also means that the programme will be intensive and will require a lot of academic rigour. You will not have a lot of flexibility around deadlines or long breaks.
4. Dreary Weather:
This might not be a consideration for many applicants but the UK is known for its unpredictable and dreary weather. Dark clouds and rains are extremely common and take some time to get used to. For people with mental health issues and those suffering from seasonal depression, this weather might not be beneficial.
The United States
ADVANTAGES
1. World-Class Education:
There is no doubt that the United States has one of the finest education systems and highest ranked universities in the world. If you look at QS World University Rankings for 2023, you will notice that 27 of the top 100 universities in the world are located in the US. These schools function at the cutting edge of their respective disciplines, pushing the boundaries of knowledge. They are recognised globally, giving you multiple opportunities to explore your future as a global citizen. Ranging from the Ivy Leagues to the University of California or Stanford, there is no dearth of top level institutions of higher education in the United States of America.
Here is a list of the top ten universities in the US.
S.No
World Ranking
University
1
1
Massachusetts Institute of Technology (MIT)
2
3
Stanford University
3
5
Harvard University
4
6
California Institute of Technology (CalTech)
5
10
University of Chicago
6
11
University of Pennsylvania
7
16
Princeton University
8
18
Yale University
9
20
Cornell University
10
22
Columbia University
In addition to the first tier schools, you also have a choice of smaller niche schools, community colleges or technical colleges with smaller student populations, especially if you are considering learning a trade. The US education system has solutions for whatever it is that you are looking for. There are many more colleges that are great to study at – the Ivy Leagues are not the only top universities in the US.
2. Choice of Programmes:
The kind of options US universities give you, the choice of courses and the combinations that you can create are virtually endless. You combine diverse courses and create a niche area of specialisation, not restricted by the demands of the discipline.
Unlike in the U.K., in most American universities, you apply and enter the university or the department in general as opposed to a specific course. You will be allowed to take a bunch of classes, explore what the university has to offer and then declare your major either at the end of your freshman or sophomore year. This gives you real life experiences and some more time before you choose a career track.
3. Wholesome, Well-rounded University Life:
As mentioned in the previous section, the UK university system is a little more formal. In the US, it is extremely common to have small class sizes and develop close professional relationships with members of the faculty. Students are expected to contribute to the teaching-learning process that happens within the classroom, listen to all points of view (whether it is a teacher or a student), observe, analyse and then attempt problem solving techniques. Not only is it tolerated but it is expected of students to present arguments and alternative points of view. Moreover, US universities also give importance to extracurricular activities, placing almost the same significance as academics.
4. A World leader in technology and innovation:
Even with China rising as a global leader in the technology race, the US remains unsurpassed in many areas of tech such as quantum computing, vaccines and space research. The country has a culture of collaboration between academia, industry, and government entities resulting in huge technological advancements and a highly skilled workforce. The federal US government supports and promotes innovation and entrepreneurship, by reducing bureaucratic hurdles, a relatively low corporate tax structure and entities such as the Small Business Administration. Its nominal GDP is also the highest in the world. It has been proven beyond a doubt that American start-ups and companies have significant global influence and market share. As an international student, it translates to tremendous research and work opportunities.
5. Support for International Students:
Almost all institutions of higher education in the US have some form of student support system, specifically for students from across the globe. These include organisations to help with internships, job searches, clubs and communities to promote extracurricular activities and to provide financial aid.
Based on the research published by the Institute of International Education, nearly 50% of overseas students who come to the US receive some form of financial aid whether it is from the universities, government grants or external organisations. There is also an extensive culture of providing teaching and research assistantships that give you the added benefit of adding work experience to your resume.
6. Multiculturalism and the American Dream:
The sheer geographical expanse of the United States of America gives you multiple opportunities to explore different cultures and environments. Besides, the USA has been a melting pot of cultures attracting people from all across the globe. As students from India, whether you want to interact with people from other cultures or find comfort in the familiar, most major American cities are diverse enough to satisfy your needs.
DISADVANTAGES
1. Cost of Learning and Living:
For international students, especially if you are from India, the cost of studying in the US is one of the biggest obstacles. According to the Education Data Initiative, a typical overseas student spends about $55,480 per academic year in a non-profit private university. That roughly converts to over 45 lakh INR per year. Without financial aid, this is a fairly large burden to bear.
Of the reported average amount, about $30,000 – $35,000 is spent on tuition while the rest is for other incidental university expenses and the actual cost of living. Life is expensive in the US, especially in the major cities, and even basic requirements such as healthcare or insurance costs a significant amount. A detailed cost comparison in the choice between the USA vs UK is covered in the next sections.
2. Academic Rigour:
It is very common for students from abroad to get used to the high standards of academic rigour expected by American universities. Each course comes with its own set of expectations, assignments and projects which must be completed on time with your original research and work put into it. The system requires highly self-motivated individuals to keep up with the pace.
3. Acclimating to a new work ethic:
In addition to the workload, you must also get used to a new culture and its work ethic. The American workforce and industries are highly competitive and require you to be at the top of your game to survive and grow. Up-skilling, in today’s world, is not a choice but a requirement.
4. Immigration policies:
Considering the level of competition and the number of Indian students who choose the US (199,182 Indian students studied in the US in 2021-22), the immigration policy and the post-study work visa options are quite strict. On completion of your course, you have up to 3 months to find an organisation in a relevant field for your Optional Practical Training (OPT). After your 1-2 years of OPT (2 years for STEM related fields), you only have a grace period of 60 days to update your visa to an employer-sponsored one or transfer it to another school for further studies.
5. Safety concerns:
The US is also infamous for its gun violence and violence triggered by racial discrimination. While this has not stopped a majority of students from choosing America, it does expect a certain degree of extra care to be safe during your stay in the country.
Winner: A Tie
Both countries have their own set of pros and cons and it is impossible and impractical to choose, based on general advantages and disadvantages. These are to help you mentally prepare for what to expect when you go to the country of your choosing. However, if you run through the parameters with a specific course and university in mind, you will be able to judge which of the two is better suited for you.
How is campus life in each country?
Let us take a look at how your student life will be like in both countries.
UK
USA
Time Spent on Campus
Shorter – Typically 3 years for UG and 1 year for PG programmes
Longer – 4 years for UG and 2-3 years for Master’s
Nature of Study
Typically theory oriented with emphasis on depth. You will choose your course before entry and continue to specialise.
Example – let’s say you choose Chemistry. Your first year will cover general topics under the banner. In the second year, you can choose a range of topics within “Chemistry” and choose a specialisation such as biochemistry or molecular chemistry in your third year. You might take a course or two from Physics or Biology but that is the extent of flexibility.
Programmes are typically designed for flexibility and breadth of choices.
You will enter the university, say, for a liberal arts degree. You can take general courses ranging from literature to music or arts and declare your major in your second year. Even after declaring your major, you can choose courses from across disciplines without much restriction.
Coursework and Exams
You are primarily responsible for your own academic success. Your professor will not track your performance through the course of the semester
Your grades are based typically on the end-of-term tests and exams. There wouldn’t be as many during the course of the semester.
The university typically leaves you to work in the way best suited to you.
Professors are more involved in your academic work throughout the semester.
Quizzes, assignments and projects are distributed throughout the term and there is a culture of feedback and re-working.
The assessment cycle is more continuous and all your submissions will count for your final grade, including the end of term exams.
Food and Accommodation
Study halls are a popular choice of accommodation in the UK. The rooms are typically meant for individuals, giving you privacy.
In most universities, food is not part of the accommodation and students are often left to fend for themselves.
A number of off-campus options are also available.
On-campus accommodation is typically dormitories. You might be able to get individual accommodation, but at a significantly higher cost.
Food is included.
A number of off-campus options are also available.
Clubs and Extracurricular Activities
Most universities have a large number of lively and active societies (Like the Debating Society at Oxford or Cambridge which have a reputation of their own)
However, due to the emphasis placed on the depth, extracurricular activities are not as big as they are in the US. They are typically treated as positive distractions or breaks from academia.
Student activities and sports play a huge role in US universities.
You might get preferential admission or even scholarships based on your athletic prowess.
These activities build a sense of togetherness and university spirit, making campus more engaging and active.
Work While you Study
Full-time students can work a maximum of 20 hours per week during term time, irrespective of whether the job is paid or unpaid.
Students with a valid F-1 visa can work part-time up to 20 hours per week during semester and up to 40 hours during breaks and vacations. The minimum wage is $7.25 per hour and can go up to $15.
Winner: USA
Reminder, this is an opinion and not a fact. Most students prefer continuous assessments and the flexibility of course choices which are offered by US universities. However, if you are the kind who would study better on your own terms, then the UK is the way to go.
What are the career opportunities in the UK vs US?
Let us make one thing clear. Neither country guarantees a job on completion of your degree. The onus is on you to find the right job best suited to your career plan, within the terms of your visa. That said, here are some of the important facts to consider.
Immigration and Career at a Glance
UK
USA
Unemployment rate
4%
3.5%
Worker Shortage
11.5% of businesses are experiencing worker shortage
Only 5.9 million unemployed workers for 9.8 million job openings (Source: US Chamber of Commerce)
Many of the Fortune 500 companies are headquartered in the US.
In-Demand Job Sectors
Engineering, Healthcare services (Medical practitioners, pharmacists, senior care workers), Data analysts, Computer Science specialists (Cybersecurity specialists, UI/ UX Designers, systems architect, web designers), Accountancy and Finance specialists, and graduates in the field of education
Healthcare, Information Technology, Finance, Engineering, Law and Management
Average Salary
The average salary is typically less than that of professionals in the US.
Cost of living in the UK makes it more affordable than the United States of America.
Higher average salaries than the UK
A typical median salary for a fresher can be considered low, considering the cost of living.
Visa as a Student
UK Student Visa (Previously known as Tier 4 Visa)
Allows you to work for up to 20 hours a week.
F-1 student visa
Allows you to work 20 hours per week and up to 40 hours during semester breaks.
Towards/ On Course Completion
Graduate Immigration Route
You can stay in the UK for up to two years and work or look for work.
No limit on salary and therefore offers flexibility.
You are eligible to apply on completion of both bachelor’s or master’s degree programmes.
OPT (Optional Practical Training)
You can work in the US for 1 year (2 years for STEM courses).
You have a period of 90 days to find a job for OPT.
The job must be within the scope of study that you have completed at university.
Post Study Work Visas
On completion of the two year period under the Graduate Immigration Route, you can update to a Tier 2 Skilled Worker Visa which allows you to be sponsored by a UK employer for a period of 5 years.
After your OPT period is over, you will be eligible to apply for any of the employer sponsored H1B visas (there are a limited number of H1B visas – so getting this is not easy).
Here’s a more detailed look at the above:
UK
Unemployment Rate: ~4%
As of January 2023, about 11.5% of businesses are experiencing a shortage of workers in the UK. While the job market is extremely competitive and smaller than that of the US, the shortage of skilled workers makes it relatively earlier for you to find a job in the UK. Students with previous work experience stand a much higher chance than freshers.
In-Demand jobs sectors: Engineering, Healthcare services (Medical practitioners, pharmacists, senior care workers), Data analysts, Computer Science specialists (Cybersecurity specialists, UI/ UX Designers, systems architect, web designers), Accountancy and Finance specialists, and graduates in the field of education
While the average salary is less than that of professionals in the US, the cost of living in most parts of the UK also makes it more affordable when compared to the United States of America.
Immigration Policy: During your period of study, you would have entered with the UK student visa which will allow you to work for up to 20 hours a week. Towards the completion of your course, you can take the Graduate Immigration Route. This allows international students to stay in the UK for up to two years and work or look for work. There is no limit on salary and therefore offers a great deal of flexibility. You are eligible to apply on completion of both bachelor’s or master’s degree programmes. On completion of the two year period, you can update to a Tier 2 Skilled Worker Visa which allows you to be sponsored by a UK employer for a period of 5 years.
USA
Unemployment rate: 3.4%
According to the US Chamber of Commerce, there are about 9.8 million job openings in the US, with only 5.9 million unemployed workers.
Many of the Fortune 500 companies are headquartered in the US.
In-Demand Job Sectors: Healthcare, Information Technology, Finance, Engineering, Law and Management
Despite the shortage, the job market is extremely competitive and requires proper planning and networking from the time you are in university.
Immigration Policy: As a student you will be on an F-1 student visa. During or after the completion of your course, you can apply for OPT (Optional Practical Training) that will allow you to work in the US for 1 year (2 years for STEM courses). You have a period of 90 days to find a job for OPT. The job must be within the scope of study that you have completed at university. After your OPT period is over, you will be eligible to apply for any of the employer sponsored H1B visas.
Winner: UK
Despite the much larger employment market, the larger skill shortage in the UK makes it better suited for Indian students. Its immigration policies are also comparatively more lenient. The American capitalist culture has made the job market extremely competitive. While a top tier MBA graduate can take home a salary as high as $100,000 p.a., it is not the median amount. The average salary of a student starting out their career in the US is much lesser, keeping in mind the higher cost of living. The UK also has a better work-life balance (though not as high as France or the Scandinavian countries) when compared to the US.
Cost of Living: Which country is better?
It is important to note that the figures shown in the table below are averages and approximations to give you a general idea. The actual costs can vary depending on your selection of courses, the universities and the city that you will be living in.
Costs per year
UK
USA
Average Tuition (for an undergraduate programme)
£22,200 ($28,619.46)
$38,200
COST OF LIVING
Rent (On-Campus)
~£4,000 ($5,156.66)
$8,000 – $11,000
Rent (Off-Campus)
Depends upon the choice of accommodation and the city
Food
~ £1,800 – £2,200
($2,320 – $2,836)
~$4,000 – $5,000
Transport
~ £1,000 ($1,289)
~ $1,500 – $2,500
Insurance
£470 ($605.91)
$500 – $1,000
Utilities
£650 – £800 ($837 – $1031)
$1,500 – $2,000
Average Total Living Expenses
~ £14,400 – £16,800 ($18,563 – $21,658)
$12,000 – $20,000
Winner: UK
By sheer numbers, the cost of education and living in the UK is lesser when compared to the US. This is not a claim that the UK is cheap but a relative analysis of the average numbers. Your lifestyle choices will play a huge part in deciding which is more affordable.
Courses and Study Duration
Top Courses to Study in the UK
Medicine and Dentistry
Veterinary Medicine
Education
Law
Business Management
Architecture
Social Sciences
Humanities
Study Duration: Three years for undergraduate degrees and one year for master’s.
Top Courses to Study in the US
Engineering
Computer Science and IT-related courses
Mathematics
Data Sciences
Business and Management Studies
Psychology
Medicine
Winner: USA
The US gives more flexibility in the choice of courses, allowing for more interdisciplinary specialisations. The time frame, while making the US slightly more expensive, allows for a better work life balance as you spread your learning process across four years.
Eligibility Criteria for Admissions
When it comes to admissions, both countries have fairly similar requirements and both are extremely competitive. It is, therefore, your responsibility to ensure your application stands out, based on academic merit, extracurricular activities and your statement of purpose. The general eligibility criteria are as follows
UK
USA
Academic Requirements for UG Programmes
Completed grade XII with the required courses. For e.g. you must have scored high in Class XII Maths to apply for a Computer Science programme.
Completed grade XII with the required courses
Academic Requirements for Master’s Programmes
A bachelor’s degree in a relevant field.
Some courses might require you to have work experience.
A 4-year bachelor’s degree in a relevant field. (The US is specific about 4-year undergraduate courses. If your programme is only for three years, you will be expected to take additional courses.)
Some courses might require you to have work experience.
Standardised Tests
Some courses in some universities might have entrance exams.
A few applications might also require you to submit GRE/ GMAT/ MCAT scores.
Most universities have become test-optional post Covid.
Some master’s degree programmes require GRE/ GMAT scores.
English Proficiency Tests
IELTS/ TOEFL to prove your proficiency in English
IELTS/ TOEFL to prove your proficiency in English
Conclusion: Applying to universities in UK or USA
Overall winner: A Tie!
It is impossible to categorically state that one country is better than the other. Each nation has its own pros and cons. Ultimately, the choice of country should be dependent on the course, the university and the return on investment. Whether you choose to live in a bustling city like New York, Washington D.C., London or Manchester, aspire to live the lifestyle of California or Scotland, your ultimate choice is based on which department and school are best suited for your career needs.
There are a lot of choices and decisions to make. The process can get overwhelming. The easiest way to reduce your stress is to sign up with TC Global.
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Our platform enables students to study anywhere in the world in just a few steps. From search and discovery and finding the right course fit for you, to applications, visas and departure – we see you through it all.
To move forward with us, download our app or visit tcglobal.com and sign in to create an account on our student platform and onboard with us in quick, easy steps.! 🚀
Then simply set up a visit Calendly.com/tcglobal to pick a Relationships Team closest to you and choose a slot to meet with a Relationship Member.
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You May Also Like:
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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
