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Countries

United Arab EmiratesChecked 18 August 2026

Depends on your industryWork: HighEnforcement: Waking up

In one paragraph: The national privacy law has been in force since January 2022, but the rules that make it work were never written, so almost none of it can be enforced. Meanwhile the industries that matter have hard walls: health records, payment data, insurance data and identity-check reports must stay inside the country. Two financial districts run their own separate privacy systems, and those regulators do issue penalties.
The catch: The relaxed national picture is false the moment you touch health, payments, insurance, credit and identity checks, or government data. The national law expressly does not cover health data, banking data, government data, or companies inside the financial free zones. For most regulated businesses the national law is not the rule that binds them.
Does this apply to me?: Yes. The national privacy law reaches a company with no office in the country, as long as it handles the personal data of people inside the country. There is no revenue or headcount threshold to hide under. But the law carves out huge areas: government bodies, government data, health data, banking and credit data, and companies inside the financial free zones that have their own privacy laws.High confidence
Can the data leave the country?: It depends entirely on your industry. Under the national law data can leave once you have the right paperwork, and in practice nobody is checking. But four industries have real walls. Health records may not be stored or sent abroad at all. Payment data must be stored inside the country. Insurance data must be stored inside the country. And since April 2026 the national identity-check report may not be taken out of the country at all.High confidence
What do I have to do to send it abroad?: On paper the model is an approved-destinations list. The regulator is supposed to name countries whose protection is good enough, and no list has ever been published. So in practice everyone uses the fallback route: a contract with the recipient promising equivalent protection, or the person's explicit consent, or a narrow necessity exception. No government permission is needed and no filing is made, because the rules that would create those steps were never written.High confidence
Who enforces this — and are they actually working?: On paper the UAE Data Office. In practice it has never enforced anything: it has no public website, it has published no approved-destinations list, and the government decision that would set the fines has not been made. The regulators that really bite are elsewhere — the central bank fined a foreign bank branch about 5.4 million dollars in June 2026, and the data protection commissioner in the Abu Dhabi financial district has issued published penalty notices.Medium confidence
How long must I keep it, and when must I delete it?: The floors are long and they are set by industry, not by the privacy law. Health records must be kept for at least 25 years after the last treatment. Payment data must be kept for 5 years with a separate backup. Identity-check reports must be kept for at least 5 years. There is no working national deletion deadline, because the detailed rules that would set one were never issued.High confidence
What happens when something goes wrong?: There is no national deadline in hours today. The privacy law says you must tell the regulator as soon as you discover a breach, and leaves the actual timing and the wording of the notice to detailed rules that were never issued. So the clocks that really run are the ones set by your own regulator: the central bank for financial firms, and the separate data protection offices in the two financial districts. The national cyber incident reporting service is aimed at government bodies, not at private companies.Medium confidence
What's the trap?: Five things that cost people their weekend. One: the national privacy law does not cover health data, banking data, government data, or companies in the financial free zones, so most regulated firms are not governed by it at all. Two: health data may not leave the country, ever, and the fine is up to about 190 thousand dollars. Three: since April 2026 the national identity-check report may not be sent abroad. Four: a child is anyone under 18, but the parental consent line is drawn at 13. Five: there are two extra legal systems inside the country, and their regulators actually issue penalties.High confidence
What's about to change?: The single biggest thing is a rule that could appear on any Tuesday. When the government finally publishes the detailed rules under the privacy law, every company gets six months to comply and the law switches from decorative to real. Nothing signals when that will happen. In the meantime the new child safety law needs its penalty schedule, and the national identity-check platform is being rolled out across banks.Medium confidence
Hardest industry wall: Health and social care — Federal Law No. (2) of 2019 Concerning the Use of the Information and Communications Technology in Health Fields
Payments — Retail Payment Services and Card Schemes Regulation
Insurance — Insurance Authority Board of Directors' Resolution No. (18) of 2020 Concerning the Electronic Insurance Regulations
Banking — Cabinet Resolution No. (55) of 2026 Promulgating the Executive Regulations of Federal Decree-Law No. (30) of 2024 Regarding the "Know Your Customer" Digital Platform

IndiaChecked 18 August 2026

Depends on your industryWork: HighEnforcement: Waking up

In one paragraph: India's general privacy law is unusually relaxed about sending data abroad — it bans transfers only to countries on a government blacklist, and that blacklist is currently empty. But specific industries have hard walls: payments data, insurance records and telecom network data must stay inside India. The main law is passed but most of it only becomes enforceable in May 2027, and the regulator has no members yet.
The catch: The permissive headline is true only until you touch payments, insurance, telecom infrastructure, government cloud, public-health records or detailed mapping data. In those six areas India is one of the strictest jurisdictions in the world.
Does this apply to me?: Yes, it reaches you even with no office in India. The law applies to any organisation anywhere in the world that processes Indians' data in connection with offering goods or services to people in India. There is no size or revenue threshold to fall below.High confidence
Can the data leave the country?: In general, yes — freely. India's approach is a blacklist: the government may name countries you cannot send data to, and as of today it has named none. Six industries are the exception and are covered below.High confidence
What do I have to do to send it abroad?: Nothing to sign, no government approval, no standard contract. Unlike Europe, India requires no paperwork to send personal data abroad under the general law — the only question is whether the destination is on the blacklist, and nothing is. Sector rules override this completely.High confidence
Who enforces this — and are they actually working?: On paper, the Data Protection Board of India. In practice, nobody yet — the Board legally exists but as of August 2026 has no chairperson and no members. The government advertised the five posts in May 2026 and re-advertised in June, and they were still vacant in August. Sector regulators, by contrast, are fully active: the central bank, the insurance and securities regulators, the telecom department and the national cyber agency all enforce today.High confidence
How long must I keep it, and when must I delete it?: There is both a floor and a ceiling. From May 2027 every organisation must keep processing logs for at least one year. Tax records run six years, company books eight, and security logs 180 days. In the other direction, large consumer platforms must delete a user's data three years after they last engaged — with 48 hours' warning to the user first.High confidence
What happens when something goes wrong?: Two clocks, and this trips up almost everyone. You have SIX HOURS to report a cyber incident to India's national cyber agency — one of the shortest deadlines in the world. Separately, from May 2027, you must tell the privacy regulator and affected individuals without delay, then file a detailed report within 72 hours.High confidence
What's the trap?: Four things that catch people out. (1) A child is anyone under 18 — there is no lower age of digital consent as there is in Europe, and targeted advertising to under-18s is banned outright. (2) A consent manager must be an Indian company with about $2.3m of net worth, so a foreign entity cannot be one. (3) If designated a 'significant' organisation you must have a data protection officer physically based in India who answers to the board. (4) The general law expressly preserves stricter sector rules, so its liberal transfer regime gives you nothing if you touch payments, insurance or telecom.High confidence
What's about to change?: Three dates matter. 13 November 2026: consent managers must register. 13 May 2027: the whole law becomes enforceable, and the government has publicly refused to extend it or exempt startups. At some point before then, the Board should get its members — at which point enforcement switches on.High confidence
Hardest industry wall: Payments — Storage of Payment System Data
Telecoms — Telecommunications (Authorisation) Rules, 2026
Insurance — IRDAI (Maintenance of Information by Regulated Entities and Sharing of Information by the Authority) Regulations, 2025
Securities — Cybersecurity and Cyber Resilience Framework, control PR.DS.S2
All industries — Directions under section 70B(6) of the Information Technology Act, 2000

The eight framework questions answered for each selected country
Question	United Arab EmiratesChecked 18 August 2026	IndiaChecked 18 August 2026
The three ratings	Depends on your industry Work: High Enforcement: Waking up	Depends on your industry Work: High Enforcement: Waking up
In one paragraph	The national privacy law has been in force since January 2022, but the rules that make it work were never written, so almost none of it can be enforced. Meanwhile the industries that matter have hard walls: health records, payment data, insurance data and identity-check reports must stay inside the country. Two financial districts run their own separate privacy systems, and those regulators do issue penalties.	India's general privacy law is unusually relaxed about sending data abroad — it bans transfers only to countries on a government blacklist, and that blacklist is currently empty. But specific industries have hard walls: payments data, insurance records and telecom network data must stay inside India. The main law is passed but most of it only becomes enforceable in May 2027, and the regulator has no members yet.
The catch	The relaxed national picture is false the moment you touch health, payments, insurance, credit and identity checks, or government data. The national law expressly does not cover health data, banking data, government data, or companies inside the financial free zones. For most regulated businesses the national law is not the rule that binds them.	The permissive headline is true only until you touch payments, insurance, telecom infrastructure, government cloud, public-health records or detailed mapping data. In those six areas India is one of the strictest jurisdictions in the world.
Does this apply to me?	Yes. The national privacy law reaches a company with no office in the country, as long as it handles the personal data of people inside the country. There is no revenue or headcount threshold to hide under. But the law carves out huge areas: government bodies, government data, health data, banking and credit data, and companies inside the financial free zones that have their own privacy laws.High confidence	Yes, it reaches you even with no office in India. The law applies to any organisation anywhere in the world that processes Indians' data in connection with offering goods or services to people in India. There is no size or revenue threshold to fall below.High confidence
Can the data leave the country?	It depends entirely on your industry. Under the national law data can leave once you have the right paperwork, and in practice nobody is checking. But four industries have real walls. Health records may not be stored or sent abroad at all. Payment data must be stored inside the country. Insurance data must be stored inside the country. And since April 2026 the national identity-check report may not be taken out of the country at all.High confidence	In general, yes — freely. India's approach is a blacklist: the government may name countries you cannot send data to, and as of today it has named none. Six industries are the exception and are covered below.High confidence
What do I have to do to send it abroad?	On paper the model is an approved-destinations list. The regulator is supposed to name countries whose protection is good enough, and no list has ever been published. So in practice everyone uses the fallback route: a contract with the recipient promising equivalent protection, or the person's explicit consent, or a narrow necessity exception. No government permission is needed and no filing is made, because the rules that would create those steps were never written.High confidence	Nothing to sign, no government approval, no standard contract. Unlike Europe, India requires no paperwork to send personal data abroad under the general law — the only question is whether the destination is on the blacklist, and nothing is. Sector rules override this completely.High confidence
Who enforces this — and are they actually working?	On paper the UAE Data Office. In practice it has never enforced anything: it has no public website, it has published no approved-destinations list, and the government decision that would set the fines has not been made. The regulators that really bite are elsewhere — the central bank fined a foreign bank branch about 5.4 million dollars in June 2026, and the data protection commissioner in the Abu Dhabi financial district has issued published penalty notices.Medium confidence	On paper, the Data Protection Board of India. In practice, nobody yet — the Board legally exists but as of August 2026 has no chairperson and no members. The government advertised the five posts in May 2026 and re-advertised in June, and they were still vacant in August. Sector regulators, by contrast, are fully active: the central bank, the insurance and securities regulators, the telecom department and the national cyber agency all enforce today.High confidence
How long must I keep it, and when must I delete it?	The floors are long and they are set by industry, not by the privacy law. Health records must be kept for at least 25 years after the last treatment. Payment data must be kept for 5 years with a separate backup. Identity-check reports must be kept for at least 5 years. There is no working national deletion deadline, because the detailed rules that would set one were never issued.High confidence	There is both a floor and a ceiling. From May 2027 every organisation must keep processing logs for at least one year. Tax records run six years, company books eight, and security logs 180 days. In the other direction, large consumer platforms must delete a user's data three years after they last engaged — with 48 hours' warning to the user first.High confidence
What happens when something goes wrong?	There is no national deadline in hours today. The privacy law says you must tell the regulator as soon as you discover a breach, and leaves the actual timing and the wording of the notice to detailed rules that were never issued. So the clocks that really run are the ones set by your own regulator: the central bank for financial firms, and the separate data protection offices in the two financial districts. The national cyber incident reporting service is aimed at government bodies, not at private companies.Medium confidence	Two clocks, and this trips up almost everyone. You have SIX HOURS to report a cyber incident to India's national cyber agency — one of the shortest deadlines in the world. Separately, from May 2027, you must tell the privacy regulator and affected individuals without delay, then file a detailed report within 72 hours.High confidence
What's the trap?	Five things that cost people their weekend. One: the national privacy law does not cover health data, banking data, government data, or companies in the financial free zones, so most regulated firms are not governed by it at all. Two: health data may not leave the country, ever, and the fine is up to about 190 thousand dollars. Three: since April 2026 the national identity-check report may not be sent abroad. Four: a child is anyone under 18, but the parental consent line is drawn at 13. Five: there are two extra legal systems inside the country, and their regulators actually issue penalties.High confidence	Four things that catch people out. (1) A child is anyone under 18 — there is no lower age of digital consent as there is in Europe, and targeted advertising to under-18s is banned outright. (2) A consent manager must be an Indian company with about $2.3m of net worth, so a foreign entity cannot be one. (3) If designated a 'significant' organisation you must have a data protection officer physically based in India who answers to the board. (4) The general law expressly preserves stricter sector rules, so its liberal transfer regime gives you nothing if you touch payments, insurance or telecom.High confidence
What's about to change?	The single biggest thing is a rule that could appear on any Tuesday. When the government finally publishes the detailed rules under the privacy law, every company gets six months to comply and the law switches from decorative to real. Nothing signals when that will happen. In the meantime the new child safety law needs its penalty schedule, and the national identity-check platform is being rolled out across banks.Medium confidence	Three dates matter. 13 November 2026: consent managers must register. 13 May 2027: the whole law becomes enforceable, and the government has publicly refused to extend it or exempt startups. At some point before then, the Board should get its members — at which point enforcement switches on.High confidence
Hardest industry wall	Health and social care — Federal Law No. (2) of 2019 Concerning the Use of the Information and Communications Technology in Health Fields Payments — Retail Payment Services and Card Schemes Regulation Insurance — Insurance Authority Board of Directors' Resolution No. (18) of 2020 Concerning the Electronic Insurance Regulations Banking — Cabinet Resolution No. (55) of 2026 Promulgating the Executive Regulations of Federal Decree-Law No. (30) of 2024 Regarding the "Know Your Customer" Digital Platform	Payments — Storage of Payment System Data Telecoms — Telecommunications (Authorisation) Rules, 2026 Insurance — IRDAI (Maintenance of Information by Regulated Entities and Sharing of Information by the Authority) Regulations, 2025 Securities — Cybersecurity and Cyber Resilience Framework, control PR.DS.S2 All industries — Directions under section 70B(6) of the Information Technology Act, 2000