Terms & Conditions
Rules and guidelines for using our services and platform
Introduction
Welcome to the Website and Application owned by Enso Logic Commerce Pvt Ltd ("Our", "Us", "We", "Beyobo", "Ensologic"). This document provides the terms and conditions governing Your use of this Website and/or Application.
At Ensologic, we value Your trust & respect Your privacy. By visiting Our Website and/or Application You expressly give Us consent to use & disclose Your personal information in accordance with our Privacy Policy.
Important: If You do not agree to the terms of this policy, please do not use or access Our Website.
This Privacy Policy is published in compliance of:
- Section 43A of the Information Technology Act, 2000
- Regulation 4 of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011
General Terms
We will not sell, share or rent Your personal information to any third party or use Your email address/mobile number for unsolicited communications. Any communications sent by Us will only be in connection with the provision of agreed Services and products.
Marketing Communications
We may send promotional offers on behalf of other businesses, or communicate with You about Your use of the service through various media including our Website, merchants, or advertisements.
Legal Compliance
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. User Personal Information
When you use our Platform, we collect and store information provided by you to deliver a safe, efficient, smooth and customised experience. The information we collect includes:
Identity Information
- Full name
- Email address
- Gender
- Photograph
- Phone number
Address Information
- Mailing address
- Postal code
- Family details
- University/college details
Financial Information
- PAN (Permanent Account Number)
- Academic records and certificates
- Transaction history
2. Device Location and Information
When you install the App, we collect information from the device including:
- Hardware model, build model, RAM, storage
- Unique device identifiers like IMEI, serial number, SSAID
- SIM information including network operator, roaming state, MNC and MCC codes
- WIFI information including MAC address and mobile network information
3. Contact Information
During the loan application process, we collect contact information including names, phone numbers, account type, and relationship data to enable autofill functionality and assess risk profiles.
4. Installed Applications
We collect metadata of installed applications including application name, package name, installed time, updated time, and version information to assess creditworthiness.
5. Storage Permission
Storage permission allows your KYC and other relevant documents to be securely downloaded and saved on your phone for faster application processing.
6. Camera Permission
Camera permission enables you to click photos of KYC documents and upload them during the application journey.
7. Other Non-Personal Information
We automatically track certain information based on your behaviour including:
- Internet Protocol (IP) address
- URL used to connect to the internet
- Browser information
- Buying and browsing activities
Product Features
Loan Range
Get loans through distributors ranging from INR 15,000 to INR 30,000
100% Online
Online loan application process with only few documents to upload
Quick Disbursal
Disbursal within 24 hours of approval
Flexible Terms
Annual interest rates from 12% - 24% with tenure of 4 to 6 months
Use of Information
The Personal Information We collect allows Us to:
- Keep You posted on latest announcements, upcoming events, confirmations, security alerts and support messages
- Improve Our Services
- Send important notices about changes to terms, conditions and policies
- Perform internal data analysis and research
- Deliver tailored advertisements, promotions, deals, and offers
Opt-out: If You do not want to be on Our mailing list, you can opt out at any time by updating Your preferences on the Website.
Sharing of Personal Information
We only share personal information with other companies or individuals in the following limited circumstances:
- We may share your device location with third parties to improve and personalize your experience
- We may share non-personal information such as usage statistics and aggregated data
- We may share Unique Device ID for identification purposes
- We provide information to trusted businesses for processing on our behalf under confidentiality agreements
- Advertisers may receive demographic information to select appropriate audiences for advertisements
Security
The security of Your personal information is important to Us. We take precautions including:
Administrative Measures
Policies and procedures to safeguard your information.
Technical Measures
Encryption and secure transmission protocols.
Physical Measures
Secure access to facilities and systems.
Electronic Safeguards
Various electronic and procedural security measures.
Accessing Third Party Websites
Our Website, mobile site and mobile app may contain links to other websites. When you click on these links, you are entering another website for which Ensologic has no responsibility.
We encourage you to read the privacy statements of all such sites as their policies may be materially different from this Privacy Policy. You are solely responsible for maintaining the secrecy of your passwords and membership account information.
Protection of Children
If You are a User under the age of 18 ("Child User"), please ensure that You have adequate consent from Your parent or guardian to access Services in accordance with this Privacy Policy.
If You are the parent or guardian of a Child User, please advise Your child of the risks of posting personal information on Our Services or other online services.
We also reserve the right to remove, at Our sole discretion, any content or material posted by a User which may be defamatory, sexual in nature, or offensive to other Users.
Cookies
A cookie is data sent to the Website from a server and stored on Your computer/mobile. We may use Cookies to:
- Remember Your data so You won't have to re-enter it during subsequent visits
- Provide customized third-party advertisements, content, and information
- Monitor the effectiveness of marketing campaigns
- Monitor aggregate site usage metrics
- Track Your entries, submissions, and status in promotions
We may allow third-party service providers to place and read their own Cookies. These third-party cookies are not covered under this Privacy Policy.
Changes to the Privacy Policy
We reserve the right to change the Privacy Policy at Our sole discretion. We will inform Users of any changes by posting the updated Privacy Policy on Our Website. Your continued use of the Services will be subject to the then-current Privacy Policy.
Compliance with Laws
We will cooperate with government and law enforcement officials and private parties to enforce and comply with the law. We reserve the right to:
- Track IP addresses for fraud prevention
- Release IP addresses to legal authorities
- Disclose information when reasonably necessary to comply with law
- Protect the property and rights of Ensologic or third parties
- Protect the safety of the public or any person
- Prevent or stop illegal, unethical or legally actionable activity
Email Notifications
You may be contacted by email or other means. We may send promotional offers or communicate about Your use of the service. We may receive confirmation when You open an email from us to help improve Our service.
Opt-out: If You do not want to receive email from us, indicate Your preference by clicking "Unsubscribe" or changing settings in Your account. Legal notices will still govern Your use of the service.
Contact Information
If You have any questions or concerns with respect to these Terms of Use or the Website, please contact us:
Last Updated: January 2026
These Terms of Use supersede any previous versions.