Privacy Policy
This website http://www.yourloanadvisors.com (“Website”) is owned and operated by OSHUN ADVISORY SERVICES (OPC) PVT. LTD. (hereinafter referred to as “OSHUN” or "We" or "Us" or “Our” which expression shall mean and include its affiliates, successors and permitted assigns).
OSHUN provides services to the Users through the Website and is committed to protecting and respecting the privacy of the Users and has taken all necessary and reasonable measures to protect the confidentiality of the User information and its transmission through the World Wide Web. OSHUN follows these privacy terms in order to demonstrate its commitment to customer privacy and has established these privacy terms as a means to communicate our information gathering and dissemination practices.
In the course of using this Website or availing the products and services vide the online application forms and questionnaires, OSHUN and its affiliates may become privy to the personal information of its Users, including information that is of a confidential nature. OSHUN is committed to informing you about the information it collects, how it is used, maintain and share the information that you share with it.
 

General

This Privacy Policy ("Policy") describes the ways OSHUN collects, stores, uses and protects information it receives from you or that you may provide when you visit www.yourloanadvisors.com. OSHUN may amend this Privacy Policy from time to time by posting a revised version on the website. By visiting the website, you are accepting the practices described in this Privacy Policy.
This Privacy Policy applies to your use of all products, services and websites offered by OSHUN or its subsidiaries or affiliated companies.
OSHUN shall not be held liable for disclosure of the confidential information if such disclosure is in accordance with this Privacy Policy or in accordance with the terms of any agreements entered into with the Users. OSHUN also assures not to disclose any information that it learns during the transactions and payments made to the User’s account(s) unless permitted under this privacy policy.
“User(s)” shall mean and include all companies and private organization(s) that visit the Website and provide information to OSHUN through any of the modes referred to in the clause regarding “Collection of Information” detailed herein below.
You agree to this Policy while also accepting our Terms of Service, whether expressly or by accessing, browsing or using this website. You are encouraged to review our COLLECTION OF INFORMATION
During the use of the Website, OSHUN generally collects two types of information: personal information that users knowingly disclose (either directly or through access to third party websites where your information is stored) and website-use information automatically generated by users as they navigate through the site. OSHUN may collect and process such information from the Users, including but not limited to the below mentioned:
Information that the Users provide to OSHUN by filling in forms on the Website. This includes contact information such as name, email address, mailing address, phone number, financial information (such as your income, assets, or debts), if any, unique identifiers such as user name, account number, password, demographic information, public profile data and additional information like communication preferences, information such as favorites lists and transaction history.
Information related to your business such as social network data, shipping and other vendor service information, accounting information and, potentially other information that we may obtain from time to time during our relationship with you. OSHUN may collect specific financial information from you concerning your business, including bank account numbers and routing numbers for funding, transfer, and payment purposes.
OSHUN may also collect and store personal information that you provide to us about other people or businesses (such as co-applicants), including their name, address, phone number, financial information, or other information. Information that the Users provide when the Users write directly to OSHUN (including by way of e-mail);
Information that the Users provide to OSHUN over telephone. OSHUN may make and keep a record of the information shared by the Users with OSHUN;
Information that the Users provide to OSHUN by completing surveys
Information relating to logs is automatically reported by the User’s browser each time the User accesses a web page. When the User uses the Website, OSHUN’s servers automatically record certain information that the User’s web browser sends whenever the User visits any website. These server logs may include information such as the User’s web request, Internet Protocol (IP) address, browser type, referring/ exit pages and URLs, number of clicks, domain names, landing pages, pages viewed, and other such information. OSHUN uses this information, which does not identify Users, to analyze trends, to administer the Website, to track Users’ movements around the Website and to gather demographic information about the User base as a whole. OSHUN does not link this automatically-collected data to personally identifiable information.
Additional information to help verify your identity and manage risk, including: date of birth, Unique ID number or other information. OSHUN may obtain information about its customers from, identity verification services or credit bureaus.
OSHUN reserves the right to remove any content that contains a virus or other malicious code, or that otherwise violates any term of this Privacy Policy or Terms of Service without any notice to you at its sole discretion.

Use of Information

OSHUN will protect every bit of the Users’ business or personal information and maintain the confidentiality of the same. With this seal of trust, OSHUN makes its services available to the Users for assessment and analysis that include credit and behaviour scoring, market and product analysis. However, OSHUN maintains the rights over such collected data which can be used/ shared, in its entirety, with any third party Banks, Non Banking Financial Institutions and other Financial Institutions and Government authorities as and when required. OSHUN owns the exclusive rights over the entire Data and can share it with anyone OSHUN needs/wants in an aggregate anonymized fashion.
Without prejudice to the aforesaid OSHUN guarantees that it is going to keep all User information confidential except in the following cases:
OSHUN may disclose Users’ information to governmental and other statutory bodies who have appropriate authorization to access the same for any specific legal purposes under the applicable laws.
OSHUN may disclose Users’ information if it is under a duty to do so in order to comply with any legal obligation, or in order to enforce or apply the Terms of Use (displayed on the Website), or to protect the rights, property or safety of OSHUN, its Users or others. This includes exchanging information with other companies / agencies that work for fraud prevention and credit reference.
OSHUN may disclose Users’ information to its agents under a strict code of confidentiality.
OSHUN may disclose Users’ information to such third parties to whom it transfers its rights and duties under the customer agreement entered into with the Users. In such an event, the said third parties’ use of the information will be subject to such confidentiality obligations as contained in this Policy.
OSHUN may disclose Users’ information to any member of its related or group companies including its subsidiaries, its ultimate holding company or its subsidiaries, as the case may be.
In the event that OSHUN sells or buys any business or assets, it may disclose the Users’ information to the prospective seller or buyer of such business or assets. User, email and visitor information is generally one of the transferred business assets in these types of transactions. OSHUN may also transfer or assign such information in the course of corporate divestitures, mergers or dissolution.
OSHUN shall ensure that in case of disclosure of whole or part of the User’s information to a service provider or agent, within or outside India, the same shall be bound by obligations of confidentiality at least as strict as OSHUN’s obligations under this Privacy Policy and the information shall be accorded the same level of protection as provided by OSHUN under the terms of this Privacy Policy. OSHUN may store the User’s information in locations outside the direct control of OSHUN (for instance, on servers or databases co-located with hosting providers).
OSHUN never will sell or rent personal information of its clients to anyone, at any time, for any reason. OSHUN may also use the User’s personal information in the following ways, viz: