Welcome to Beyobo owned by Enso Logic Commerce Pvt Ltd. This Privacy Policy along with the Terms of Use provides the terms and conditions governing your use of this website. At Beyobo, we value your trust and respect your privacy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in Our Terms and Conditions at Beyobo. This Privacy Policy provides you with details about the manner in which your data is collected, stored and; used by Us. You are advised to read this privacy policy carefully. By visiting Our Website you expressly give us consent to use and; disclose your personal information in accordance with this Privacy Policy. If You do not agree to the terms of the policy, please do not use or access Our Website.

The expressions “You”, “Your” or “User”, whenever the context so requires, for the purposes of this Privacy Policy, shall mean any natural or legal person who may create by registration, membership account on this Website and/or Application or agree to avail Our Services through this Website and/or Application, or otherwise access Our Website and/or Application.

This Privacy Policy is published by Us, in compliance of:

- Section 43A of the Information Technology Act, 2000; and

- Regulation 4 of the Information Technology Reasonable Security Practices and Procedures and Sensitive Personal Information Rules, 2011

General

We will not sell, share or rent Your personal information to any third party or use your email address/mobile number for unsolicited emails and/or SMS. Any emails and/or SMS sent by us will only be in connection with the provision of agreed Services and; products and this Privacy Policy. To carry out general marketing we would be sending out sms to users registered on our website and/or application or by any means and in any media, including, but not limited to, on our website and/or application or through our merchants or in advertisements / marketing campaigns / any form of audio or visual media or websites. We reserve the right to communicate your personal information to any third party that makes a legally-compliant request for its disclosure.

Collection of Information

In order to provide our services, we may collect the following types of information:

1. Collection of User Personal Information

When you use our Platform, we collect and store your information which is provided by you from time to time by explicitly seeking permissions from YOU to get the required information. Our primary goal in doing so is to provide you a safe, efficient, smooth and customised experience and Services. This allows us to provide services and features that meets your needs, and to customise our Platform to make your experience safer and easier and to improve the Services provided by us. More importantly, we collect personal information from you that we consider necessary for achieving the aforementioned purpose.

In general, you can browse the Website or App without telling us who you are or revealing any information about yourself. However, to create an account on the Platform, you must provide us with certain basic information required to provide customised services. The information we collect from you, inter alia, includes:

Your full name:

gender;

mailing address;

postal code;

phone number;

GST registration;

Wherever possible, we indicate the mandatory and the optional fields. You always have the option to not provide any information by choosing not to use a particular service or feature on the platform. The information required as a part of the registration process to access our service will be also used to auto-populate relevant fields in the course of the interface of the app. We further collect other identifiable information such as your transactions history on the platform when you set up a free account with us as further detailed below. While you can browse some sections of our platform without being a registered member as mentioned above, certain activities require registration and for you to provide the above details. The platform will clearly display the personal information it is collecting from you, and you have the option to not provide such personal information. However, this will limit the services provided to you on the platform. Our app also collects mobile number for verification to check the active SIM status on the device, uniquely identify you and prevent frauds and unauthorised access.

2. Collection of Device Location And Device Information

Information the app collects, and its usage, depends on how you manage your privacy controls on your device. When you install the app, we store the information we collect with unique identifiers tied to the device you are using. We collect information from the device when you download and install the app and explicitly seek permissions from you to get the required information from the device. The information we collect from your device includes the hardware model, build model, RAM, storage; unique device identifiers like IMEI, serial number, SSAID; SIM information that includes network operator, roaming state, MNC and MCC codes,

The information we collect from your device includes the hardware model, build model, RAM, storage; unique device identifiers like IMEI, serial number, SSAID; SIM information that includes network operator, roaming state, MNC and MCC codes, WIFI information that includes MAC address and mobile network information to uniquely identify the devices and ensure that no unauthorised device acts on your behalf to prevent frauds.

We collect information about your device to provide automatic updates and additional security so that your account is not used in other people's devices. In addition, the information provides us valuable feedback on your identity as a device holder as well as your device behaviour, thereby allowing us to improve our services and provide an enhanced customised user experience to you.

3. Collection of Contact Information

As a part of our loan through distributor journey, we require references from the Loan through distributor applicant. In this regard, during filing the form on our App, we collect and monitor your contact information which includes name, phone number, account type, contact last modified, favourites and other optional data like relationship and structural address to enable you to autofill the data during the loan through distributor application process. This information is required for the purposes of risk analysis, enable us to detect credible references assess your risk profile and to determine your loan through distributor eligibility.

Collect contact information like names, phone numbers, email address and recently contacted times to automatically detect references information and understand relationships for your customised credit scoring.

4. Collection of Installed Applications

We collect a list of the installed applications metadata information which includes the application name, package name, installed time, updated time, version name and version code of each installed application on your device to assess your creditworthiness and enrich your profile with pre-approved customised credibility through distributor offers.

5. Storage

We require storage permission so that your KYC and other relevant documents can be securely downloaded and saved on your phone. You can then easily upload the correct KYC related documents for faster loan through distributor application details filling and disbursal process. This ensures that you are provided with a seamless experience while using the application.

6. Camera

We require the camera information permission to provide you an easy/smooth experience and to enable you to click photos of your KYC documents along with other requisite documents and upload the same on the App during your loan through distributor application journey.

7. Collection of other Non-Personal Information

We automatically track certain information about you based upon your behaviour on our Platform. We use this information to do internal research on our users' demographics, interests, and behaviour to better understand, protect and serve our users and improve our services. This information is compiled and analysed on an aggregated basis. We also collect your Internet Protocol IP address and the URL used by you to connect your computer to the internet, etc. This information may include the URL that you just came from whether this URL is on our Website or not, which URL you next go to whether this URL is on our Website or not, your computer browser information, and your IP address.

Cookies are small data files that a Website stores on Your computer. We will use cookies on our Website similar to other lending websites / apps and online marketplace websites / apps. Use of this information helps Us identify You in order to make our Website more user friendly. Most browsers will permit You to decline cookies but if You choose to do this it might affect service on some parts of Our Website.