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Two or three countries, side by side, one row per question. Pick up to 3.

Countries

AustriaChecked 18 August 2026

Yes, with paperworkWork: HighEnforcement: Active

In one paragraph: Austria does not require personal data to be kept in Austria, and we found no Austrian industry that does. Data can leave once the right paperwork is in place under European rules. What Austria adds is a secrecy layer: a constitutional right to data secrecy, a staff secrecy duty, an extra fine of up to 50,000 euros (about $58,000), and a prison offence of up to one year.
The catch: "No local storage needed" is true. "Nothing extra to do" is not. Austria's real cost sits in the secrecy layer, not in a map. A standard supplier data agreement does not satisfy Austrian data secrecy on its own, a child can consent at fourteen rather than sixteen, and misusing data you learned at work is a criminal matter in Austria, not just a fine. Health data also moves only inside a closed, encrypted Austrian health network, which in practice narrows your supplier list even though no law names a country.
Does this apply to me?: Yes. A company with no office in Austria is still caught if it offers goods or services to people in Austria, or watches what they do online. There is no size or revenue floor to duck under. If you have no establishment anywhere in the European Union, you must name a representative inside the Union in writing. Austria does not add a second, Austria-only representative on top of that.High confidence
Can the data leave the country?: Yes, with paperwork. We looked for an Austrian rule forcing data to stay in Austria and found none — not in banking, payments, insurance, securities, health, telecoms, government or mapping. Austrian health data is the closest thing to a wall, but it is a technical wall, not a geographic one: findings move only inside a closed, encrypted Austrian health network between registered care providers. Checked on 18 August 2026.Medium confidence
What do I have to do to send it abroad?: The model is an approved-destination list. Sending data outside Europe is fine if the destination is on the European Commission's approved list. If it is not, you sign the European standard contract, or use approved group-wide rules, and you write down a short risk assessment first. You do not need permission from the Austrian regulator. Its own words: apart from a few special cases, international data traffic needs no approval.High confidence
Who enforces this — and are they actually working?: The Austrian Data Protection Authority, and it is genuinely working. It has had a permanent head, Matthias Schmidl, since 1 January 2024, a deputy, and five departments. It issues decisions, and on 24 June 2026 Austria's highest administrative court confirmed a 13 million euro fine (about $15 million) for building political-opinion profiles on around 2.2 million people. The court held the fine is measured against the whole group's turnover, not one product line.High confidence
How long must I keep it, and when must I delete it?: There is a ceiling and a floor, and they pull against each other. The ceiling is European: keep personal data no longer than you need it, then delete it. The floor is Austrian tax and company law, which makes you keep books, invoices and business records for years after the year they relate to. Where the two clash, the keeping duty wins for as long as it runs, and the data must then be deleted.Medium confidence
What happens when something goes wrong?: Count at least two clocks, sometimes four. For a personal data breach you tell the Austrian Data Protection Authority without delay and if possible within 72 hours, and if you are late you must explain in writing why. If you run an essential service you also report significant incidents to Austria's network security authority. Banks and insurers report separately under European financial rules, and telecom operators have their own duty.High confidence
What's the trap?: Five that cost people their weekend. A child can consent at fourteen in Austria, not sixteen. Misusing data you only learned about through your job is a crime punishable by up to a year in prison. There is a second, separate Austrian fine of up to 50,000 euros (about $58,000) for breaking data secrecy or running a camera unlawfully. Austrian public bodies cannot be fined at all, but you still can. And the law tells the regulator to warn first, which is not the same as forgiveness.High confidence
What's about to change?: Three things to watch. Austria's Constitutional Court is deciding whether the state may plant software on a phone to read messages; it heard the case on 22 June 2026 and has not ruled. Austria has still not written the new European cybersecurity rules into national law, so that expansion is still ahead of you. And from 12 January 2027, cloud providers across Europe may no longer charge you to move your data out.High confidence
Hardest industry wall: None found.

CroatiaChecked 18 August 2026

Depends on your industryWork: HighEnforcement: Active

In one paragraph: Croatia looks like an ordinary European Union country for privacy: data may leave once you have the right paperwork. But its accounting law is stricter than most people expect. A Croatian company's books and receipts may only be kept in Croatia or another European Union country. Public bodies must keep personal-data registers in Croatian data centres. The privacy regulator fines hard.
The catch: The relaxed European headline stops being true in four places. First, accounting: the books and supporting documents of any Croatian company may be kept outside Croatia only in another European Union member state, so a United States or United Kingdom cloud archive of your ledger is not lawful, and no contract or consent fixes it. Second, the public sector: since May 2025 state registers containing personal data must sit in data centres on Croatian soil, and state bodies must use the government's own Shared Services Centre. Third, health: health data must be processed inside Croatia's national health information infrastructure and exchanged through the central health system. Fourth, aerial imagery: you need one permission to photograph Croatia from the air and a second permission to use the pictures, and the Ministry of Defence screens them first.
Does this apply to me?: Yes. Croatia's rules reach a company with no office in the country. The European Union privacy rulebook applies to anyone who offers goods or services to people in Europe, or who watches what they do online. There is no revenue or headcount threshold. Croatia does not demand its own local representative on top of the Europe-wide one, which you may place in any European country.High confidence
Can the data leave the country?: Mostly yes, but with one nasty exception that catches everybody. Ordinary personal data can go abroad using the standard European transfer tools. Your accounting records cannot: Croatian law allows them to be kept outside Croatia only in another European Union country. Health data, public-sector registers and aerial photographs each have their own separate walls.High confidence
What do I have to do to send it abroad?: For personal data, Croatia uses the European model. Some countries are pre-approved, and everywhere else you need a standard contract or a similar tool plus a risk check. The approved list is real and populated, and includes the United Kingdom, Japan, South Korea and Switzerland. For accounting records the model is different and much blunter: only European Union countries are allowed, and no paperwork buys you more.High confidence
Who enforces this — and are they actually working?: The main regulator is the Personal Data Protection Agency, known as AZOP. It is fully staffed, it hires more people, and it is one of the busiest fining bodies in central Europe for its size. It issued 13 fines totalling about 6.7 million euros (roughly 7.3 million dollars) in 2025, and 38 fines the year before. The cyber regulator, the National Cyber Security Centre, is also up and running.High confidence
How long must I keep it, and when must I delete it?: Croatia has strong minimum keeping periods and a few hard maximums. Ledgers and the documents behind them must be kept at least eleven years; payroll lists six years; the detailed wage and contribution records forever. Medical records run to ten years after the patient dies. Going the other way, camera footage must normally be deleted after six months.High confidence
What happens when something goes wrong?: There are at least two clocks and they run at different speeds. A personal data breach goes to the privacy regulator within 72 hours. A significant cyber incident goes to the cyber authority within 24 hours as an early warning, with a fuller report at 72 hours and a final report within 30 days. One incident can easily trigger both, and the 24-hour clock is the one that catches people out.High confidence
What's the trap?: Five things that are not in the summary. Your ledger cannot live on an American cloud. Children count as adults for online consent at 16, not 13. Using someone's personal data unlawfully is a crime, not just a fine. Genetic test results may never be used to price life insurance. And camera footage in an apartment building needs two thirds of the owners to agree.High confidence
What's about to change?: Two Croatian dates matter. Fines under the state information infrastructure law switch on 1 January 2027. Mandatory eInvoicing widens to smaller traders on the same day. Across Europe, cloud switching fees must fall to zero by 12 January 2027. The thing to watch is the challenge to the Europe-United States data deal, which is still valid but under real pressure.Medium confidence
Hardest industry wall: All industries — Zakon o računovodstvu
Government — Zakon o državnoj informacijskoj infrastrukturi
Health and social care — Zakon o podacima i informacijama u zdravstvu

The eight framework questions answered for each selected country
Question	AustriaChecked 18 August 2026	CroatiaChecked 18 August 2026
The three ratings	Yes, with paperwork Work: High Enforcement: Active	Depends on your industry Work: High Enforcement: Active
In one paragraph	Austria does not require personal data to be kept in Austria, and we found no Austrian industry that does. Data can leave once the right paperwork is in place under European rules. What Austria adds is a secrecy layer: a constitutional right to data secrecy, a staff secrecy duty, an extra fine of up to 50,000 euros (about $58,000), and a prison offence of up to one year.	Croatia looks like an ordinary European Union country for privacy: data may leave once you have the right paperwork. But its accounting law is stricter than most people expect. A Croatian company's books and receipts may only be kept in Croatia or another European Union country. Public bodies must keep personal-data registers in Croatian data centres. The privacy regulator fines hard.
The catch	"No local storage needed" is true. "Nothing extra to do" is not. Austria's real cost sits in the secrecy layer, not in a map. A standard supplier data agreement does not satisfy Austrian data secrecy on its own, a child can consent at fourteen rather than sixteen, and misusing data you learned at work is a criminal matter in Austria, not just a fine. Health data also moves only inside a closed, encrypted Austrian health network, which in practice narrows your supplier list even though no law names a country.	The relaxed European headline stops being true in four places. First, accounting: the books and supporting documents of any Croatian company may be kept outside Croatia only in another European Union member state, so a United States or United Kingdom cloud archive of your ledger is not lawful, and no contract or consent fixes it. Second, the public sector: since May 2025 state registers containing personal data must sit in data centres on Croatian soil, and state bodies must use the government's own Shared Services Centre. Third, health: health data must be processed inside Croatia's national health information infrastructure and exchanged through the central health system. Fourth, aerial imagery: you need one permission to photograph Croatia from the air and a second permission to use the pictures, and the Ministry of Defence screens them first.
Does this apply to me?	Yes. A company with no office in Austria is still caught if it offers goods or services to people in Austria, or watches what they do online. There is no size or revenue floor to duck under. If you have no establishment anywhere in the European Union, you must name a representative inside the Union in writing. Austria does not add a second, Austria-only representative on top of that.High confidence	Yes. Croatia's rules reach a company with no office in the country. The European Union privacy rulebook applies to anyone who offers goods or services to people in Europe, or who watches what they do online. There is no revenue or headcount threshold. Croatia does not demand its own local representative on top of the Europe-wide one, which you may place in any European country.High confidence
Can the data leave the country?	Yes, with paperwork. We looked for an Austrian rule forcing data to stay in Austria and found none — not in banking, payments, insurance, securities, health, telecoms, government or mapping. Austrian health data is the closest thing to a wall, but it is a technical wall, not a geographic one: findings move only inside a closed, encrypted Austrian health network between registered care providers. Checked on 18 August 2026.Medium confidence	Mostly yes, but with one nasty exception that catches everybody. Ordinary personal data can go abroad using the standard European transfer tools. Your accounting records cannot: Croatian law allows them to be kept outside Croatia only in another European Union country. Health data, public-sector registers and aerial photographs each have their own separate walls.High confidence
What do I have to do to send it abroad?	The model is an approved-destination list. Sending data outside Europe is fine if the destination is on the European Commission's approved list. If it is not, you sign the European standard contract, or use approved group-wide rules, and you write down a short risk assessment first. You do not need permission from the Austrian regulator. Its own words: apart from a few special cases, international data traffic needs no approval.High confidence	For personal data, Croatia uses the European model. Some countries are pre-approved, and everywhere else you need a standard contract or a similar tool plus a risk check. The approved list is real and populated, and includes the United Kingdom, Japan, South Korea and Switzerland. For accounting records the model is different and much blunter: only European Union countries are allowed, and no paperwork buys you more.High confidence
Who enforces this — and are they actually working?	The Austrian Data Protection Authority, and it is genuinely working. It has had a permanent head, Matthias Schmidl, since 1 January 2024, a deputy, and five departments. It issues decisions, and on 24 June 2026 Austria's highest administrative court confirmed a 13 million euro fine (about $15 million) for building political-opinion profiles on around 2.2 million people. The court held the fine is measured against the whole group's turnover, not one product line.High confidence	The main regulator is the Personal Data Protection Agency, known as AZOP. It is fully staffed, it hires more people, and it is one of the busiest fining bodies in central Europe for its size. It issued 13 fines totalling about 6.7 million euros (roughly 7.3 million dollars) in 2025, and 38 fines the year before. The cyber regulator, the National Cyber Security Centre, is also up and running.High confidence
How long must I keep it, and when must I delete it?	There is a ceiling and a floor, and they pull against each other. The ceiling is European: keep personal data no longer than you need it, then delete it. The floor is Austrian tax and company law, which makes you keep books, invoices and business records for years after the year they relate to. Where the two clash, the keeping duty wins for as long as it runs, and the data must then be deleted.Medium confidence	Croatia has strong minimum keeping periods and a few hard maximums. Ledgers and the documents behind them must be kept at least eleven years; payroll lists six years; the detailed wage and contribution records forever. Medical records run to ten years after the patient dies. Going the other way, camera footage must normally be deleted after six months.High confidence
What happens when something goes wrong?	Count at least two clocks, sometimes four. For a personal data breach you tell the Austrian Data Protection Authority without delay and if possible within 72 hours, and if you are late you must explain in writing why. If you run an essential service you also report significant incidents to Austria's network security authority. Banks and insurers report separately under European financial rules, and telecom operators have their own duty.High confidence	There are at least two clocks and they run at different speeds. A personal data breach goes to the privacy regulator within 72 hours. A significant cyber incident goes to the cyber authority within 24 hours as an early warning, with a fuller report at 72 hours and a final report within 30 days. One incident can easily trigger both, and the 24-hour clock is the one that catches people out.High confidence
What's the trap?	Five that cost people their weekend. A child can consent at fourteen in Austria, not sixteen. Misusing data you only learned about through your job is a crime punishable by up to a year in prison. There is a second, separate Austrian fine of up to 50,000 euros (about $58,000) for breaking data secrecy or running a camera unlawfully. Austrian public bodies cannot be fined at all, but you still can. And the law tells the regulator to warn first, which is not the same as forgiveness.High confidence	Five things that are not in the summary. Your ledger cannot live on an American cloud. Children count as adults for online consent at 16, not 13. Using someone's personal data unlawfully is a crime, not just a fine. Genetic test results may never be used to price life insurance. And camera footage in an apartment building needs two thirds of the owners to agree.High confidence
What's about to change?	Three things to watch. Austria's Constitutional Court is deciding whether the state may plant software on a phone to read messages; it heard the case on 22 June 2026 and has not ruled. Austria has still not written the new European cybersecurity rules into national law, so that expansion is still ahead of you. And from 12 January 2027, cloud providers across Europe may no longer charge you to move your data out.High confidence	Two Croatian dates matter. Fines under the state information infrastructure law switch on 1 January 2027. Mandatory eInvoicing widens to smaller traders on the same day. Across Europe, cloud switching fees must fall to zero by 12 January 2027. The thing to watch is the challenge to the Europe-United States data deal, which is still valid but under real pressure.Medium confidence
Hardest industry wall	None found.	All industries — Zakon o računovodstvu Government — Zakon o državnoj informacijskoj infrastrukturi Health and social care — Zakon o podacima i informacijama u zdravstvu