Terms of Use & Service
1. General & Acceptance
The Tenure Applied For Personal Loan From ICICI Bank is from 12 to 60 months This is the time period within which the loan amount taken from the Bank is to be repaid. The tenure applicable to a personal loan is issued as per the policy of the ICICI Bank and depends on the income of the customer and the ability to pay the monthly EMI.
Your use of OSHUN products, services, tools, resources, content, community features and websites (collectively, the "Services") is subject to and governed by these Terms of Use & Service (the "Terms of Use" or "Agreement" or "Terms"), which constitute a binding legal agreement between you and OSHUN.
By accessing this Site or using any Services, you signify your assent to these terms and the Privacy Policy which are available here which are incorporated herein by reference. You further agree to use any Services solely in accordance with the Terms. If you do not agree to any of these Terms, you must stop using this Site immediately.
2. Binding Legal Agreement
OSHUN's provision of Services to you is expressly subject to these Terms, which constitutes a binding legal agreement between you and OSHUN upon your use or access of the Site. Please read these Terms carefully before using the Site or accessing any Services offered on the Site. By accessing or using the Site or by merely browsing the Site, you agree to be legally bound by these Terms and all obligations applicable to Site users stated in the Terms. If you do not agree with the Terms in their entirety, including provisions incorporated herein, you may not use the Site. It is your responsibility to review and understand all terms and conditions set forth in these Terms, and to use the Site in accordance with the Terms and applicable laws. If you have any questions about the Terms, please email us at operations@yourloanadvisors.com or contact us in writing as per the information posted at the end of these Terms.
In order to participate in certain other services provided through the Website, you will be required to agree to additional terms and conditions, which will be provided to you separately. The Company's ability to provide, and your eligibility to receive such other Services may also depend on the State in which you reside or in which State you have requested the particular Services.
3. Changes To The Terms
OSHUN reserves the right to change or modify any of the terms and conditions contained in the Terms at any time and in its sole discretion. If we do so, we will post notice updating the same on the Site. If the changes are significant, we may also notify you at the last email address you provided to us in your registration information. Unless otherwise specified, any changes or modifications will be effective immediately upon posting of the revisions on the Site, and your continued use of the Site after such time will constitute your acceptance of such changes or modifications. It is therefore important that you review these Terms regularly upon each use of the Services to ensure you are updated as to any changes. If you do not agree with the changes, you must stop using the Site and you are also free to cancel your account with us without further obligation.
4. Eligibility
You may not use this Site, or access or use Services offered on the Site, if (i) you are a Indian resident less than 18 years of age (ii) you are not of legal age to enter into a binding legal contract with OSHUN under the laws applicable to you, or (iii) you are legally barred from using or accessing this Site or any Services under the applicable laws in your country of residence. Your profile may be deleted and your Membership may be terminated without warning, if we believe, in our sole discretion, that you are less than 18 years of age.
5. Privacy Policy
As described above, the Terms of Use includes OSHUN's Privacy Policy (the "Privacy Policy"). The Privacy Policy describes how OSHUN collects, uses, protects and shares the information that you provide to us and that we collect from other users. By using the Site, you agree to our use of your data in accordance with the Privacy Policy. You are hereby advised to go through and understand our Privacy Policy separately which are available here.
6. Legal Provisions
As described above, the Terms include the Legal Provisions described in this clause (collectively referred to as "Legal Provisions"). By agreeing to the Terms Agreement, you also agree to, and to at all times access and use this Site in accordance with, the following Legal Provisions

Proprietary and Intellectual Property Rights

The content on the Website (the “Content”) and the Services are subject to copyright and other intellectual property rights under local and international law conventions. To the best of its knowledge, OSHUN uses only Content(s) that it owns or is otherwise allowed and permitted for use by the owner/s of the copyrights and other intellectual property rights therein. Content on the Website is provided to you AS IS only and it may not be used, copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, or otherwise exploited for any other purposes whatsoever without the prior written consent of the respective owners. OSHUN reserves all rights not expressly granted in and to the Website, Services and the Content. You agree to not engage in the use, copying, or distribution of any of the Content or Services other than expressly permitted herein for any commercial purposes. You agree not to circumvent, disable or otherwise interfere with security related features of the Website or features that prevent or restrict use of Services or copying of any Content or enforce limitations on use of the Website or any of the Services or Content therein. You acknowledge that, except as expressly otherwise stated in the Terms, OSHUN owns all (i) right, title and interest in, and (ii) patent, trademark, copyright and other intellectual property rights (collectively, "Intellectual Property Rights") inherent in all Services made available to you through the Site. In addition, the Site will feature the names and logos of our partners and affiliates. You expressly agree that you will not acquire any Intellectual Property Rights in (i) the OSHUN name, logo or other OSHUN trademarks, (ii) the name, logo or other trademarks of OSHUN's partners or affiliates posted on the Site, or (iii) Content owned or licensed by OSHUN or any third party. OSHUN reserves all rights not expressly granted in and to the Website, Services and the Content. You agree to not engage in the use, copying, or distribution of any of the Content or Services other than expressly permitted herein for any commercial purposes. OSHUN further states expressly that OSHUN is engaged in providing financial assistance to aspirants across the country through efficient financial advisory and for the said purpose, details of various partner banks and non banking financial institutions are provided on the Company’s site. The said disclosure of details on the site of the Company can in no way be deemed to be solicitation or promotion of any particular bank or non banking financial institution and is only a means for you to make an informed decision with regard to your financial need. OSHUN does not claim to own any patent, copyright or trademark with respect to the information provided in regards of its partners and is only a medium for dissemination of the requisite information. Further, OSHUN is not an agent or is not engaged in any fiduciary relationship with any bank, non banking financial institution or financial institution and use of logo or information of such institutions on the website of OSHUN should not be construed to imply otherwise.

Restrictions on Use and Disclosure.

You may not use the trade names, trademarks, service marks, logos, domain names, distinctive brand features of OSHUN or any advertiser, partner or affiliate of OSHUN, without the OSHUN's prior written permission. You further acknowledge that if Services contain information designated as confidential by OSHUN, you will not disclose any such confidential information without OSHUN's prior written permission.

Site Content.

Our sites include a combination of content that we create, that our partners create and that our users create. All materials published on our sites, including, but not limited to, written content, photographs, graphics, images, illustrations, marks, logos, sound or video clips and flash animations, are protected by our copyrights or trademarks or those of our partners. You may not modify, publish, transmit, participate in the transfer or sale of, reproduce, create derivative works of, distribute, publicly perform, publicly display or in any way exploit any of the materials or contents of our sites in whole or in part. If you would like to request permission to use any of the content on our sites, you may please contact us. You agree that all content you may access on the Site is the responsibility of the person who posts or otherwise makes such content available on the Site. With respect to content that you did not originate, such content may be protected by Intellectual Property Rights of OSHUN, advertisers, partners, affiliates or other third parties. You may not modify, license, sublicense, distribute or create derivative works based on such Content, either in whole or in part, unless you have been specifically authorized to do so in a separate written agreement signed by the Content owner. OSHUN reserves the right to remove any Content from the Site which it deems objectionable or potentially infringing.
The functionality of the OSHUN Services and Third Party services is dependent upon you having a suitable network connection and the settings you have selected (for example, how frequently the content available from the service is refreshed). OSHUN endeavors to provide correct, accurate and reliable information to the users, however, we do not guarantee the accuracy, integrity or quality of the content on our sites. You may not rely on any of this content, including, but not limited to, product reviews, white papers, product descriptions and stock quotes, etc. Without limitation, we are not responsible for postings by users in the user opinion, message board or feedback sections of our sites. Our sites also contain information about products and services offered by third parties, including product specifications, pricing, availability, performance and editorial commentary. You may be exposed to content that you find offensive, indecent or objectionable or that is inaccurate and you bear all risks associated with using that content. We have the right, but not the obligation, to take any of the following actions in our sole discretion at any time and for any reason without giving you any prior notice:
Restrict, suspend or terminate your access to all or any part of our Services.
Change, suspend or discontinue all or any part of our Services.
Refuse, move or remove any material that you submit to our sites for any reason.
Refuse, move, or remove any content that is available on our sites.
Deactivate or delete your accounts and all related information and files in your account.
Publish or print a notice, information or any other communication in newspapers, television, social media or any other form of old or new communication channels available to notify or highlight about your conduct in case of any default by you.
Establish general practices and limits concerning use of our sites.
You agree that we will not be liable to you or any third party for taking any of these actions.

You are responsible for Your Content

You agree that you are solely responsible for, and that OSHUN has no responsibility to you or any third party for any (i) Content that you create, transmit, or display while using the Services, and (ii) all consequences, losses and damages of any kind incurred by any third party (including OSHUN) arising from your Content.

License Regarding Your Content

You retain ownership of, and OSHUN does not claim ownership rights in, your original Content. However, by submitting, posting or otherwise displaying your Content on the Site, you hereby grant to OSHUN a perpetual, irrevocable, worldwide, royalty-free and non-exclusive license to: reproduce, adapt, edit, modify, translate, publish, publicly perform, publicly display and distribute any Content which you submit, post or display on the Site (in connection with any Service). You agree that this license includes the right for OSHUN to make such Content available to other companies, organizations or individuals with whom OSHUN has relationships for the provision of business, and to use such Content in connection with the provision of Services or Community features. You understand that OSHUN, in performing the required technical steps to provide the Services to our users, may (a) transmit or distribute your Content over various public networks and in various media; and (b) make such changes to your Content as are necessary to conform and adapt that Content to the technical requirements of connecting networks, devices, services or media. You hereby authorize OSHUN to take these actions.

License from OSHUN

OSHUN grants you a personal, royalty-free, non-assignable, non-transferable and non-exclusive license to use the Services and Community features may be made available to you on the Site on the following terms and conditions: (i) this license is for the sole purpose of enabling you to use and enjoy the benefit of the Services and Community features as provided by OSHUN, and solely in the manner permitted by these Terms; and (ii) you may not (and you may not permit anyone else to) copy, modify, create a derivative work of, reverse engineer, decompile or otherwise attempt to extract the source code of Content or any Service or software component or any part thereof, without the express prior written permission of OSHUN.

Copyright Infringement

If you believe that any Content on the Site infringes your copyright or your trademark or other Intellectual Property Rights or is violating through use on the Site, please notify OSHUN's Designated Agent as provided below immediately and contact us either through our website: operations@yourloanadvisors.com, or by writing us at: E-43/1, OKHLA INDUSTRIAL AREA, PHASE-II, NEW DELHI - 110020, INDIA.

Other Legal Provisions

In addition, you agree to the Other Legal Provisions set forth in Clause 21 at the end of these Terms.
6. Provision of Services by Oshun
You acknowledge that the Services are provided to you at the sole discretion of OSHUN. You further acknowledge, accept and understand that: (i) some of the Services offered by OSHUN may be provided by OSHUN subsidiaries or affiliates; (ii)OSHUN may disable access to your account, you may be prevented from accessing the Services, your account details or any files or other content which is contained in

Change in Services

You acknowledge that (i) the form and nature of the Services which OSHUN currently provides may change from time to time without prior notice to you; and (ii) OSHUN may stop (permanently or temporarily) providing the Services (or any features within the Services) to you or to users generally at OSHUN's sole discretion, without prior notice to you and no liability for the same can be affixed upon OSHUN;

Software Updates

The web browser or other software which you use may automatically download and install updates from time to time from OSHUN as required to update the Site or any Services. These updates are designed to improve, enhance and further develop the Services and may take the form of bug fixes, enhanced functions, new software modules and completely new versions. You agree to receive such updates (and permit OSHUN to deliver these to you) as part of your use of the Services.


we wish to notify you, we may: (i) email you at the contact information you provide in your Registration Data (Registration Data means certain personal and financial information that you are required to provide in order to download and use the Platform provided by OSHUN and become our Client including Account Credentials, such information can include without limitation a copy of your passport, driving license and/or Photo identity card.) (ii) post a notice to specified parties (i.e., customers, lenders, etc.) in the Dashboard area of your account on the Site; or (iii) post the notice elsewhere on the Site, as appropriate in our sole discretion.