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Privacy Policy

We value the privacy of our users and the corresponding protection of personal data as a matter of utmost importance.

The collection and processing of personal data, carried out by us, is carried out in accordance with the provisions of Regulation (EU) 2016/679 of the European Parliament and of the Council, of 27 April 2016, on the protection of individuals with regard to the processing of personal data and the free movement of such data (General Data Protection Regulation, hereinafter “GDPR”), including the national legislation that complements it.

Through this Privacy Policy we propose to clarify you regarding the data collected by us, the purposes of this collection and inherent processing of personal data. Also, clarifying your rights in this context.
This Privacy Policy is a complementary part of the “Terms and Conditions”.

You will then receive information regarding the protection of personal data:

1. Entity Responsible for the Treatment:
The entity responsible for processing your personal data, related to the purposes indicated below, GBC S.A. legal person number 513332790, headquartered at Rua Manuel Arriaga, 99, Loja B, Outeiro de Polima, 2785-153 – S. Domingos de Rana, Cascais, Portugal.

2. Data collected:
We collect the following data about you:
i) data that you voluntarily submit;
ii) technical data passively collected from all users of the website and Beam app.

a) Data submitted voluntarily:
We collect the personal data you provide us through the Beam app, which may be the following: your name; your email address; your mobile phone number; your date of birth; your payment method. These are then collected through registration and usage information: when you register to use our services by creating an account, we will collect your personal data as necessary to offer and provide the services requested by you. We may request additional personal data as you use our services.
Another way we collect personal data is through information about transactions and experiences: when you use our app or access our website, for example, to buy from merchants, receive Money or process payments, we will collect information about the transaction, as well as and other information associated with it, such as the amount sent or requested, the amount paid for the products or services, merchant information, including information about any financing instruments used to complete the transaction, device information, technical usage data, and geolocation.
As explicit in the terms and conditions, we may need to confirm your identity. For this purpose, consultations and/or inquiries may be made, including through credit checks with other entities. The same applies to participating merchants and establishments, who are also requested to provide bank information. Therefore, we may obtain information from you from third parties.
We also point out that when using our services, the transactions you carried out (through your account) and their location are stored. Information also be collected through satisfaction surveys or through the exchange of communications made with our support.
When you use our services, whether to make a payment, accept a payment, contact customer service or request technical support, and other possible interactions with us, we will use the information we collect. Knowing this information allows us to verify your identity and communicate with you, as well as ensuring the best possible experience for all users by ensuring compliance with applicable laws and our own policies.

We may also use your information to study how users use our services and to improve and enhance our offerings to you.

b) Technical data collected passively:
Whenever you visit our website, it may store or retrieve information in your browser, mainly in the form of cookies. This information may be about you, your preferences or your device, and is used so that the site can be improved or perform as expected. Generally, this information does not identify you, but it helps us to be able to offer you a more personalized user experience.

You may choose to refuse our cookies through your browser’s configuration tools, but this may interfere with your use of our website or services.

Cookies are small text files that are automatically placed on your computer, tablet, mobile phone or other device when you visit our website. They are stored by your internet browser and may contain basic information about your device or internet use. Your browser sends these cookies back to our website every time you revisit it, so we can recognize your computer or mobile device and personalize and improve your browsing experience.

Additionally, when you use our app, it may collect activity or traffic data. This category of data may comprise the following: the typology of operations used; the volume of use; the value of the operations carried out; the sectors of purchasing activity; settings; the operating system, brand and model of your equipment; completion of the flow of operations; the status of the service.

When you visit our website or use our app, our servers automatically record certain information that your browser sends whenever you visit any website. These include IP, browser type, URLs, number of clicks, domain names, pages viewed and other similar information.

In short, we use this information and cookies to: i) remember your information, so that you do not have to re-enter it, either during or on your next visit to our website or app; ii) provide you personalized content and information; iii) monitor the effectiveness of our services and the total number of visitors and traffic; iv) diagnose or correct technological problems, reported by our users or engineers, that are associated with certain IP addresses; v) help you to efficiently access your information after login.

3. Personal data, purposes, legal basis and retention period:
We process your personal data for the purposes indicated below and in accordance with the legal conditions and deadline identified:

a) Data: IP Address, Device ID and Browser Type; Purpose: Develop, improve and maintain the website and app; Legal basis: Legitimate Interest; Conservation period: 1 year after the cancellation of our services;

b) Data: Name, email address, mobile phone number; Purpose: Sending electronic communications (email, in-app notifications or SMS) to users, regarding the operation of the app or to ensure security and prevent abusive, illicit or fraudulent use of our website and app; Legal basis: Legitimate interest; Conservation period: 1 year after the cancellation of our services;

c) Data: Name, e-mail address, mobile number, activity or traffic data; Purpose: Sending electronic communications (SMS, email and in-app notifications, newsletter) for the promotion and dissemination of our goods or services, or our partners; Legal basis: Consent; Retention period: Until the holder of the personal data withdraws his consent or refuses to receive further messages;

d) Data: Name, birth date, TIN, Postal Code, email address, mobile number; Purpose: Communicate with official and governmental entities (Tax Authority, Courts, etc); Legal basis: Compliance with legal obligations; Conservation period: For the legally foreseen and mandatory period.

e) Data: Activity or traffic data; Purpose: To manage, depending on the users preferences, any content that may be displayed; Legal basis: Legitimate interest;

Conservation period: 1 year after the cancellation of our services.
We may retain your personal data for longer periods if this is in the company’s legitimate interests and is not prohibited by law. In the event of termination of your account, we will only retain your data for as long as necessary to comply with applicable legislation.

4. Data recipients (and usage):
The data will be treated by us and exclusively in accordance with this Privacy Policy and for no other purpose than to provide the necessary services. As such, we use your personal information to provide you with the features and functionality you need to use our services. These may be shared with third parties to ensure you have a safe and high-performance experience when using our services (the website, the app, Beam products). If we do that, such third parties will use your personal information in accordance with terms at least as restrictive as this privacy policy. We may also store your information in locations beyond our control (eg. on servers or databases co-located with hosting providers).

Processing payment transactions requires us to share your personal information with third parties, including to:

a) Service providers, who provide us with a variety of essential operational services, such as fraud prevention, transaction processing, billing, direct marketing and the management of technology services (the agreements we have with third parties only alows them to use your information regarding the services you provide us);

b) Financial institutions, that allow us to offer payment processing services and partner with us to develop new offerings for you and other Beam users;

c) Users, who can accept payments from you using Beam.

As we develop our business, we may buy or sell assets, or commercial offers. Information about customers, users, transactions, emails and visitation information is generally one of the business assets transferred in this type of transactions. We may also transfer this information in the course of corporate divestitures, mergers or dissolution.

5. Aggregated information:
Additionally, we may share aggregated information, which will never identify you, to comercial partners, customers, potential customers, partners or the press, in order to demonstrate the use of the app and website, identify industry trends, create advertising for the app, as well as to analyze how our services are used, diagnose technical problems, maintain security and personalize the content.

At times, contests, special offers or other events and/or activities may be held together with third-party partners. If you provide your information to these third parties, you will give them permission to use it for the purpose of that event and any other use you approve. We cannot control the use of your information by third parties.

6. Judicial or equivalent entities:
We may disclose your personal data if required by a court of law, administrative order or whenever we are legally required to assist public authorities in use of their respective legal competences, or when we believe that disclosure is necessary to report suspicious activities, prevent physical harm, loss financial obligations or violations of our agreements and policies.

7. Exercise your rights:
Under the provisions of the GDPR, you have the following rights regarding your personal data: i) right of access; ii) right of rectification; iii) right to erasure; iv) right to limit treatment; v) right to object to the treatment; vi) right to request data portability.

You also have the right to file a complaint with the National Data Protection Commission, if you believe that your rights have been infringed. You can exercise your rights by sending a written request to

We point out that you can always refuse to submit your personal and identifiable information through our services. However, if you do that, Beam will not be able to provide you with part of our services.

8. Safety:
The security of your personal data is of the highest importance to us.

To protect your data, we use the most demanding and rigorous security measures, which we consider adequate to, in particular, prevent loss, misuse and alteration, both during transmission and after receipt, including, without limitation, the use of firewalls and encryption. If any incident jeopardizes the security of your personal data, we may publish a notice on our homepage or in any other area of the website or app, and/or we may send you an email to the address you have provided to us, or SMS to your mobile phone, or otherwise as required by applicable law.

Beam is not responsible for the practices employed by other websites, nor for the information or content contained therein. Please remember that when you use a link to go from our website to another website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other site, including those that have a link on our site, are subject to that site’s own rules and policies. Please read these rules and policies before proceeding.

9. Children’s privacy
Protecting children’s privacy is especially important. For this reason, Beam does not knowingly collect or solicit personal information from anyone under the age of 18, nor does it knowingly allow such persons to register for our services. If you are under the age of 18, please do not send us any information about yourself, including your name, address, mobile phone number or email address.

No one under the age of 18 is permitted to provide any personal information to or on Beam. In the event that we learn that we have collected personal information from a minor under the age of 18 without parental consent, we will delete that information as soon as possible.

10. Privacy Policy Updates:
Whenever necessary, we will periodically update this privacy policy. Whenever we do that, we will change the information regarding its effective date, on the website and in the app.

You should periodically review this privacy policy to stay fully informed about the collection, use and disclosure of your personal data. The fact that you continue to use our website and app represents your agreement with this privacy policy, in an informed, clarified and unequivocal way, with Beam seeking to correspond, at all times, in the best way, to the general and justified trust the public has for the avaliable services.

Changes to our privacy policy will be posted on our website to keep you aware of what information we collect, how we use it and under what circumstances we may disclose it. Changes to the Privacy Policy take effect when they are posted on this page.

11. Notifications:
It is our policy to make notices, whether notices required by law, for marketing purposes or for other purposes, within the scope of our services, by email, in writing (on paper) or through a publication on our website. We reserve the right to determine the manner and means of giving you notices.

12. Language:
This Privacy Policy is drawn up in English and in other languages. In case of any dispute english language version shall prevail.

Contact us
For clarification of any question regarding this policy,  you can contact us at

Rua Manuel Arriaga, 99, Loja B, Outeiro de Polima
2785-153 S. Domingos de Rana