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

Countries

GeorgiaChecked 18 August 2026

Yes, with paperworkWork: HighEnforcement: Waking up

In one paragraph: Georgia copied the European model in 2023: data can leave the country, but only to a destination the supervisor has approved, or with a permit, or under a narrow exception. There is no general rule forcing data to stay. The big change is who is in charge — on 2 March 2026 the independent privacy watchdog was replaced by the State Audit Office, and we could not verify that it has issued a single decision since.
The catch: Two things break the calm headline. Telephone and internet connection records are copied into a state-held database inside Georgia, so telecoms cannot treat that data as ordinary business data. And the same State Audit Office that now polices privacy also runs the public register of foreign-funded organisations.
Does this apply to me?: Yes. The law catches a company with no office in Georgia if it uses technical means located in Georgia to handle people's data. There is no revenue or headcount threshold to duck under. Worse, a foreign company in that position must appoint a representative in Georgia and register that person with the supervisor BEFORE it starts processing — the only escape is being based in the European Union or in a country the European Union has already approved.High confidence
Can the data leave the country?: Yes, with paperwork. Data may go abroad if the destination country has been judged to give good enough protection, or if the supervisor grants a permit for the contract you have signed, or under a short list of narrow exceptions such as the person's written consent after being told the risks. Nothing in the general law forces data to stay in Georgia. The one place data really does stay is telecoms: a copy of who called whom, and when, sits in a state-run database inside the country.High confidence
What do I have to do to send it abroad?: The model is an approved-destinations list, with a permit as the back-up. The supervisor decides which countries offer good enough protection and publishes that decision as a formal act; if your destination is not on it, you need a permit for your contract, or you fall back on a narrow exception such as written consent. We could not find the current published list, so we cannot tell you today which countries are on it — treat that as the single biggest open question in this record.Medium confidence
Who enforces this — and are they actually working?: This is where Georgia surprises people. Until 1 March 2026 the job belonged to the Personal Data Protection Service, an independent watchdog. From 2 March 2026 the law hands the same job to the State Audit Office — the body that audits government spending — and its head, the Auditor General, now signs the privacy rules. We can prove the handover happened, because the Auditor General reissued two of the privacy rulebooks at the end of March 2026. We could not find a single enforcement decision published since the handover.Medium confidence
How long must I keep it, and when must I delete it?: The ceiling is clear: keep personal data only as long as you need it for the purpose you collected it for, then erase, destroy or strip out the identifying parts, unless another law tells you to keep it. The floors are scattered across tax, accounting and sector laws that we could not open on an official site today. In telecoms the direction is reversed — the content of a call or message must be destroyed at once, while the record of who contacted whom can be copied into a state database and kept for a period set by a separate law.Medium confidence
What happens when something goes wrong?: Two clocks. If personal data is lost, leaked or wrongly handled, you have 72 hours from spotting it to tell the supervisor, and you must keep your own record of the incident and what you did about it. If you run a system the government has listed as critical to the country, you must tell the national computer emergency response team immediately — no fixed number of hours, which in practice means the same day. If both apply to you, both run at once.High confidence
What's the trap?: Five. First, the regulator changed identity on 2 March 2026, so a privacy notice or contract naming the Personal Data Protection Service now points at a body the law no longer mentions. Second, a foreign company must register a representative in Georgia before it starts, not after. Third, a child is anyone under 16, so a European sign-up flow tuned to 13 will be wrong here. Fourth, direct marketing always needs consent, even if you bought the list lawfully. Fifth, the same State Audit Office that now polices privacy also runs the public register of foreign-funded organisations, which must publish detailed information about themselves.Medium confidence
What's about to change?: Nothing new is scheduled to start in the privacy law itself — we checked the current text on 18 August 2026 and found no provisions waiting on a future date. The live story is the handover: the Auditor General is reissuing the four rulebooks inherited from the old watchdog, and two of the four were reissued in March 2026. The rest of the risk sits in switches the government can already flip without a new law.Medium confidence
Hardest industry wall: Telecoms — საქართველოს კანონი ელექტრონული კომუნიკაციების შესახებ

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	GeorgiaChecked 18 August 2026	CroatiaChecked 18 August 2026
The three ratings	Yes, with paperwork Work: High Enforcement: Waking up	Depends on your industry Work: High Enforcement: Active
In one paragraph	Georgia copied the European model in 2023: data can leave the country, but only to a destination the supervisor has approved, or with a permit, or under a narrow exception. There is no general rule forcing data to stay. The big change is who is in charge — on 2 March 2026 the independent privacy watchdog was replaced by the State Audit Office, and we could not verify that it has issued a single decision since.	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	Two things break the calm headline. Telephone and internet connection records are copied into a state-held database inside Georgia, so telecoms cannot treat that data as ordinary business data. And the same State Audit Office that now polices privacy also runs the public register of foreign-funded organisations.	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. The law catches a company with no office in Georgia if it uses technical means located in Georgia to handle people's data. There is no revenue or headcount threshold to duck under. Worse, a foreign company in that position must appoint a representative in Georgia and register that person with the supervisor BEFORE it starts processing — the only escape is being based in the European Union or in a country the European Union has already approved.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. Data may go abroad if the destination country has been judged to give good enough protection, or if the supervisor grants a permit for the contract you have signed, or under a short list of narrow exceptions such as the person's written consent after being told the risks. Nothing in the general law forces data to stay in Georgia. The one place data really does stay is telecoms: a copy of who called whom, and when, sits in a state-run database inside the country.High 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-destinations list, with a permit as the back-up. The supervisor decides which countries offer good enough protection and publishes that decision as a formal act; if your destination is not on it, you need a permit for your contract, or you fall back on a narrow exception such as written consent. We could not find the current published list, so we cannot tell you today which countries are on it — treat that as the single biggest open question in this record.Medium 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?	This is where Georgia surprises people. Until 1 March 2026 the job belonged to the Personal Data Protection Service, an independent watchdog. From 2 March 2026 the law hands the same job to the State Audit Office — the body that audits government spending — and its head, the Auditor General, now signs the privacy rules. We can prove the handover happened, because the Auditor General reissued two of the privacy rulebooks at the end of March 2026. We could not find a single enforcement decision published since the handover.Medium 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?	The ceiling is clear: keep personal data only as long as you need it for the purpose you collected it for, then erase, destroy or strip out the identifying parts, unless another law tells you to keep it. The floors are scattered across tax, accounting and sector laws that we could not open on an official site today. In telecoms the direction is reversed — the content of a call or message must be destroyed at once, while the record of who contacted whom can be copied into a state database and kept for a period set by a separate law.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?	Two clocks. If personal data is lost, leaked or wrongly handled, you have 72 hours from spotting it to tell the supervisor, and you must keep your own record of the incident and what you did about it. If you run a system the government has listed as critical to the country, you must tell the national computer emergency response team immediately — no fixed number of hours, which in practice means the same day. If both apply to you, both run at once.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. First, the regulator changed identity on 2 March 2026, so a privacy notice or contract naming the Personal Data Protection Service now points at a body the law no longer mentions. Second, a foreign company must register a representative in Georgia before it starts, not after. Third, a child is anyone under 16, so a European sign-up flow tuned to 13 will be wrong here. Fourth, direct marketing always needs consent, even if you bought the list lawfully. Fifth, the same State Audit Office that now polices privacy also runs the public register of foreign-funded organisations, which must publish detailed information about themselves.Medium 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?	Nothing new is scheduled to start in the privacy law itself — we checked the current text on 18 August 2026 and found no provisions waiting on a future date. The live story is the handover: the Auditor General is reissuing the four rulebooks inherited from the old watchdog, and two of the four were reissued in March 2026. The rest of the risk sits in switches the government can already flip without a new law.Medium 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	Telecoms — საქართველოს კანონი ელექტრონული კომუნიკაციების შესახებ	All industries — Zakon o računovodstvu Government — Zakon o državnoj informacijskoj infrastrukturi Health and social care — Zakon o podacima i informacijama u zdravstvu