Most Indian students researching the best countries to study in Europe gravitate towards countries like the UK, Ireland, France, Germany, and the Netherlands. These popular countries are a natural choice, but often an expensive one—their renowned universities charge hefty tuition fees and are located in cities with a higher cost of living.
For Indian families on a budget, planning a study-abroad programme in Europe requires understanding which combination of tuition, living costs, scholarships, and post-study job prospects offers the best return.
This guide walks through five genuinely affordable European countries for international students — Poland, Lithuania, Malta, Moldova, and Hungary — and looks closely at the best universities in each, so you can compare the actual cost of study abroad in Europe in 2027.
A country with affordable tuition but an expensive capital city can end up costing more than a country with moderate tuition but a low cost of living. That’s why evaluating the cost of studying in Europe properly means looking at five things together:
Tuition fees for your specific programme
Monthly cost of living for students — rent, food, transport, utilities
Scholarships or fee waivers you may actually qualify for
Part-time work rights and local wages during study
Post-study work visas and job markets in that country
With that framework in mind, here’s how five popular, budget-conscious study destinations in Europe 2027 actually compare.
Poland regularly appears on lists of the cheapest countries to study in Europe because its tuition and rents sit well below Western European levels, while its degrees are recognised across the EU under the Bologna framework.
Source: The official website of Vistula University
Vistula University, a private institution in Warsaw, founded in 1992, is one of the more established English-medium options for Indian students. It offers programmes across engineering, business and management, computer science, and international relations and is accredited by bodies such as ACCA and CEEMAN.
Tuition and costs: Undergraduate tuition at Vistula typically falls in the range of roughly EUR 1800-5500 per year, while postgraduate programmes range from about EUR 2500-4000 per year, depending on the specialisation.
Living costs and accommodation: Warsaw is more expensive than smaller Polish cities, but still notably cheaper than London, Amsterdam, or Paris. Budget for shared hostel or dormitory accommodation, with monthly living expenses (rent, food, transport, and personal costs) generally landing in a moderate range for a European capital — plan conservatively rather than assuming the lowest published estimate.
Scholarships and support: Vistula runs merit-based scholarship programmes for non-Polish students with strong academic records, which can significantly offset the first year’s tuition for well-prepared applicants. Here are some options open to Indian students:
Vistula University Merit Scholarship (100% tuition fee waiver)
Who it suits: Vistula works well for students who want a private-university experience with smaller class sizes, a large international student body, and a capital-city location, and who are comfortable with tuition slightly above Eastern Europe’s rock-bottom end in exchange for stronger industry connections in Warsaw.
2. Lithuania — Vilnius University
Lithuania is one of the most consistently affordable countries to study abroad in Europe. Its cost of living runs noticeably below the EU average, and its public universities are well-integrated into the Bologna and Erasmus+ systems.
Source: The official website of Vilnius University
Vilnius University, founded in 1579, is Lithuania’s oldest and most internationally ranked public university. They offer courses across engineering, business, humanities and sciences.
Tuition and costs: First-year tuition for Indian students is typically in the range of roughly EUR 3250-6000 for undergraduate programmes and EUR 4600-6550 for postgraduate programmes, with medicine and dentistry sitting at the higher end.
Living costs and accommodation: Lithuania’s cost of living is genuinely one of its strongest selling points. Rent in Vilnius runs well below London or Amsterdam levels, and most students spend somewhere between roughly EUR 350–700 a month on rent, food, and transport combined — though this depends heavily on lifestyle and whether you
live in a dormitory or private apartment. A monthly student transport pass costs only a few euros, and non-EU students can typically work full-time (up to 40 hours a week) once they secure a work permit, which is unusually generous compared to many other European study destinations.
Scholarships and support: Vilnius University grants state-sponsored scholarships and a tuition fee waiver for full-time Master’s degree students. Additionally, Vilnius offers a range of scholarship options for students to avail themselves of during their studies, based on their performance at the university. The following are options open to Indian students:
Tuition Fee Waiver Offered by the Institute of International Relations and Political Science (100% tuition fee waiver)
Tuition Fee Waiver for Full-Time Master’s Degree Studies (100% tuition fee waiver; limited offer to five students per batch based on academic merit)
Vilnius University Faculty of Economics and Business Administration Admission Scholarship (merit-based scholarship award)
Who it suits Vilnius University is a strong fit for students who want a public university degree, generous part-time work rights, and one of the lowest costs of living among EU capitals.
3. Malta — GBS Malta
Source: The official website of GBS Malta
Malta doesn’t always come up in best affordable countries to study in Europe conversations, but it deserves a place on the list: it’s an English-speaking EU member state with a British-style education system, no language barrier, and a smaller, safer environment than most Western European capitals.
GBS Malta (Global Banking School), part of the UK-based GEDU education group, opened its Malta campus in St Julian’s and offers career-focused programmes in business, finance, IT, and healthcare. It’s approved by Malta’s Further & Higher Education Authority (MFHEA) and partners with UK universities, such as Bath Spa and Oxford Brookes, to offer validated degrees.
Tuition and costs: Postgraduate programmes at GBS Malta are usually priced between EUR 6000 and 10,000 annually, while undergraduate programmes normally start at roughly EUR 6000–6600 annually, with certain courses going up to EUR 13000.
Scholarships and support: In addition to government-backed programmes such as Malta’s Get Qualified Scheme for qualified students, GBS Malta and its parent organisation offer a range of scholarship routes, including merit-based scholarships that can significantly reduce tuition for deserving applicants. In general, international students are permitted to work full-time during the holidays and part-time (up to 20 hours per week throughout the academic year.
Scholarship for International Students (Up to 15% first-year tuition fee waiver)
Excellence Scholarship – Merit-based (Up to 90% tuition fee waiver)
Who it suits: Students who appreciate a small-island lifestyle with a lower cost of living than in mainland UK cities and who seek an English-taught, UK-linked certificate without UK-level tuition should give Malta serious consideration.
4. Moldova — Technical University of Moldova
Moldova is rarely mentioned in mainstream study-abroad conversations, which is exactly why it belongs on a genuine list of the cheapest countries to study in Europe for Indian students. Tuition and living costs here are dramatically lower than almost anywhere else on this list.
Source: The official website of the Technical University of Moldova
Tuition and costs: The Technical University of Moldova (UTM), based in the capital Chișinău, is a public institution offering engineering, IT, business, and veterinary programmes, with tuition for international students commonly ranging from roughly EUR 1450–3200 per year depending on the specialisation — for example, Software Engineering and Business Administration sit near the lower end, while Veterinary Medicine is priced higher due to its longer, integrated structure.
Living and accommodation costs: Chișinău’s cost of living is markedly lower than that of EU capitals. Monthly rent is often in the low hundreds of euros, and overall monthly expenses (rent, food, utilities, and local transport) tend to be significantly below Western or even Central European levels. This makes UTM one of the more options available to Indian students today.
Scholarships and support: UTM provides five fully funded scholarships to Indian students for bachelor’s programmes in Veterinary Medicine and Software Engineering.
3 scholarships – Integrated degree in Veterinary Medicine (Bachelor’s + Master’s)
2 scholarships – Bachelor’s degree in Software Engineering
Each scholarship covers 100% of tuition fees for the entire duration of the study programme.
Who it suits: UTM suits highly budget-conscious students, particularly in engineering or technical fields, who are comfortable with a less globally recognised brand name in exchange for one of the lowest total costs on this list.
5. Hungary — University of Debrecen
Hungary sits in an interesting middle ground. Its tuition is higher than in Moldova or Lithuania for many programmes, but it offers stronger global recognition, a strong reputation in medical and health sciences, and access to one of the most generous scholarship schemes in the region.
Source: The official website of the University of Debrecen
The University of Debrecen, established in 1538, is one of Hungary’s oldest and largest public universities, hosting more than 7,000 international students from over 120 countries across medicine, dentistry, engineering, business, and law.
Tuition and cost: Fees vary widely by program. Most non-medical bachelor’s and master’s programmes fall in the range of roughly USD/EUR 4,000–9,000 per year, while high-demand medical and dentistry programmes (including MBBS) can run from around USD 15,000–16,500 per year. This widespread is exactly why checking your specific programme’s fee — not a country-wide average — matters so much.
Living and accommodation costs: Debrecen is much cheaper than Budapest. Students commonly report monthly expenses of roughly EUR 500–700 for accommodation, food, transport, and personal costs, with university dormitories at the lower end of that range.
Scholarships and support: Debrecen participates in the Stipendium Hungaricum scholarship program, which — for eligible nationalities and courses — can cover tuition, provide a monthly stipend, and reduce accommodation costs. Eligibility criteria and available seats change yearly, so this needs direct verification through the official Stipendium Hungaricum portal and the university’s admissions office.
Who it suits: Debrecen is a strong option for students prioritising a recognised medical or health-sciences degree, or those who want a public university with an established international student community and a real shot at full scholarship funding.
Comparing the Five Destinations
University
Average Annual Tuition
Estimated Annual Living Cost
Part-Time Work Rights
Verdict
Vistula University – Poland
€2,700 – €40,00 –
€126,840
Full-time international students with the appropriate student visa/residence status can work without a separate work permit.
Best overall value — affordable EU education, low living costs and good work opportunities
Vilnius University – Lithuania
€4,625 – €5,575
€109,800
Up to 30 hours/week during the study period
Best for scholarships + work flexibility
GBS Malta – Malta
€6,300 – €8,000
€76,200
Limited — employment generally involves additional work authorisation requirements
Best budget option, especially for STEM and Veterinary Medicine
Technical University of Moldova – Moldova
€2,325 – €2,350
€89,232
International students can work while studying, subject to residence-status conditions.
Best for affordable EU education and scholarships
University of Debrecen – Hungary
€6,625 – €9,850
€82,296
Subject to permit conditions; GBS currently states up to 20 hours/week
Best for English-speaking environment
No single country wins outright among these affordable universities in Europe — the right one depends on your budget ceiling, field of study, and career plans:
Tightest budget overall: Moldova (UTM) typically has the lowest combined tuition-plus-living cost.
Best work-rights-to-cost ratio: Poland (Vistula) offers a strong combination of relatively low tuition, affordable living costs and favourable part-time work opportunities.
Best for English-speaking, UK-linked degrees: Malta (GBS Malta) stands out for its English-speaking setting and programmes with an international/UK-oriented education model, although tuition and living costs can be higher.
Best scholarship upside for medicine/health sciences: Hungary (Debrecen) offers particularly strong scholarship opportunities through programmes such as Stipendium Hungaricum, including substantial tuition support.
Best balance of capital-city exposure and mid-range cost: Lithuania (Vilnius University) combines a well-regarded university, a vibrant capital-city environment, moderate tuition costs and opportunities for international students.
This is not a ranking of “best” to “worst” — it’s a map of trade-offs. A student chasing the lowest possible spend will look very differently at this list than a student targeting a specific medical degree or a UK-aligned business qualification.
It’s also worth remembering that this list intentionally focuses on lower-cost destinations. If your priority shifts toward global brand recognition or a specific industry hub over minimising cost, it’s worth separately researching options like Study in Germany, Study in France, or Study in Ireland — including Universities in Germany and Affordable Universities in Germany, several of which charge little to no tuition at public institutions, even though living costs there tend to run higher than in the five countries covered here.
How Indian Students Should Choose Among These Destinations
Before comparing brochures, build a simple decision framework:
If your budget is very limited: Prioritise total annual cost (tuition + living), not tuition alone. Moldova and parts of Lithuania will usually come out ahead here.
If you’re targeting a specific field: Check which university genuinely specialises in it. A slightly higher-tuition programme at a university known for your field is often better value than a cheaper generic programme.
If scholarships matter to your plan: Apply early. Programmes like Stipendium Hungaricum and university-specific merit scholarships often have hard deadlines months before the intake, and funding is competitive.
Before paying any fee, verify:
Whether the tuition figure you were quoted includes insurance, registration, and administrative charges
The realistic monthly cost of accommodation in that specific city, not the country average
Visa and residence-permit costs and processing times
Deposit requirements and refund policies if your visa is delayed or denied
Part-time work rules — hours permitted, minimum wage, and whether a separate work permit is required
These practical checks matter more than headline tuition figures when you’re comparing universities in Europe on a real budget.
Frequently Asked Questions (FAQs)
How much money is required to study in Europe?
Costs vary widely by country and city, but a modest annual budget across these five destinations might range from roughly EUR 6,000–15,000, including tuition and living costs. Always calculate your own programme’s specific tuition plus your target city’s living costs.
Is studying in Europe affordable for Indian students?
Yes, particularly in Eastern and Central European countries like Moldova, Lithuania, and Poland, where tuition and living costs sit well below those in Western Europe. Compare total annual costs, not just tuition, before deciding.
Which are the cheapest countries to study in Europe for Indian students?
Based on current tuition and living-cost data, Moldova and Lithuania tend to offer the lowest combined costs among popular options. Confirm programme-specific fees directly with each university before applying.
How can Indian students get scholarships to study in Europe?
Apply early for government schemes like Stipendium Hungaricum and university merit scholarships, which usually require strong academics and English test scores. Check each university’s official scholarship page for current deadlines and eligibility.
Can Indian students work part-time while studying in Europe?
Yes, most of these countries allow part-time work during term and full-time work during holidays, though hours and permit rules vary by country. Confirm the exact work-rights rules for your destination before you arrive.
Which European country has the lowest cost of living for students?
Among these five, Moldova generally offers the lowest monthly living costs, with Lithuania close behind. Actual costs still depend heavily on your city, accommodation type, and personal lifestyle choices.
Conclusion
Choosing among the best countries to study in Europe isn’t really about finding the single cheapest option — it’s about matching your budget, academic goals, and career plans to a destination where the total cost, scholarship access, and post-study opportunities actually work in your favour.
Poland, Lithuania, Malta, Moldova, and Hungary each offer a genuinely different trade-off between tuition, cost of living, and long-term value, and the right choice depends entirely on what you’re optimising for.
Before you commit to any university, compare programmes, total costs, scholarship deadlines, admission requirements, and career outcomes side by side — ideally using verified, official sources rather than marketing pages alone. That comparison, more than any single ranking, is what will actually protect your budget and your future.
Luckily, we, The Chopras, have the decades of expertise needed to understand your individual needs. Our experienced counsellors will handle everything, from matching your exact budget to finding the right university to put your ambitions on the fast track. Get in touch with us now for a free profile evaluation!
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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.
I authorise TC Global & its representatives to contact me with updates and notifications via Email/SMS/What'sApp/Call. This will override DND/NDNC.
Our grievance / nodal officer may be contacted at:
The Chopras Global Holdings PTE Ltd
192 Waterloo Street,
Skyline Building,
#04-03,
Singapore - 187966
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, 192 Waterloo Street, #04-03, Skyline Building, Singapore 187966; 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.
When you voluntarily send us electronic mail / fillup the form, we will keep a record of this information so that we can respond to you. We only collect information from you when you register on our site or fill out a form. Also, when filling out a form on our site, you may be asked to enter your: name, e-mail address or phone number. You may, however, visit our site anonymously. In case you have submitted your personal information and contact details, we reserve the rights to Call, SMS, Email or WhatsApp about our products and offers, even if your number has DND activated on it.
CONTACT US
If you have any questions about this Privacy Policy, please contact us:
By email: hello@thechoprasglobal.com
