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

Countries

GreeceChecked 18 August 2026

Depends on your industryWork: HighEnforcement: Active

In one paragraph: For most businesses Greece is a normal European country: personal data can leave, as long as you use one of the standard European transfer tools. But Greece has two hard walls that Europe does not. Phone and internet connection records must physically sit on machines inside Greece. Online gambling operators must keep their records on a server inside Greece too. The privacy regulator is fully staffed and fining companies today.
The catch: The relaxed European headline stops being true the moment you touch three things. Telecoms connection records must be stored on physical media inside Greek territory for twelve months. Online gambling records must sit on a server or safe inside Greece for ten years. And Greek public bodies must run their central systems on the Greek state's own clouds, not on a commercial cloud of their choosing. Outside those three, plus the health and public sectors, Greece imposes no storage-location rule of its own.
Does this apply to me?: Yes, it reaches a foreign company with no office in Greece. The European privacy rules apply to anyone anywhere who offers goods or services to people in Greece, or who watches what they do online. The Greek national law adds that it also covers anyone processing data on Greek soil. There is no size or revenue threshold that lets you off. If you have no establishment anywhere in Europe, you must appoint a written representative inside the European Union.High confidence
Can the data leave the country?: In general, yes. Greece adds no storage-location rule of its own to the European baseline, so ordinary business data can be sent abroad once you have the right European transfer paperwork. Three industries break that rule completely. Telecoms companies must keep their connection records on machines physically inside Greece. Online gambling operators must keep their records on a server inside Greece. And Greek government bodies must run their main systems on state-operated clouds. Health, banking and insurance have extra hoops but no location rule.High confidence
What do I have to do to send it abroad?: You need one of the standard European transfer tools before data leaves Europe. The simplest is sending it to a country the European Commission has already approved. If the destination is not approved, you sign the European Commission's standard contract with the recipient, or use approved group-wide internal rules, and you write down why you think the data will still be safe there. Greece adds no extra permission, filing or fee of its own.High confidence
Who enforces this — and are they actually working?: Six bodies, and all six are genuinely working. The Hellenic Data Protection Authority is the main privacy regulator and is issuing numbered decisions and fines every month — its most recent published decisions run to July 2026 and include fines on a bank and an electricity supplier. A separate constitutional authority polices the secrecy of communications. There is also a national cybersecurity authority, a telecoms regulator, the central bank for finance and insurance, and a gambling regulator. This is not a paper regime.High confidence
How long must I keep it, and when must I delete it?: Both directions apply, and they collide. Business books must be kept five years. Medical files must be kept ten years in a private practice and twenty years everywhere else. Online gambling records must be kept ten years. Telecoms connection records must be kept exactly twelve months and then automatically deleted. In the other direction, the European rule says you must not keep personal data longer than you need it. When a specific keeping rule and the general deleting rule clash, the specific keeping rule wins.High confidence
What happens when something goes wrong?: Count three clocks, not one. If personal data is lost or exposed, you have 72 hours to tell the privacy regulator. If you run important infrastructure, you have only 24 hours to send a first warning to the national cybersecurity authority, then 72 hours for a fuller report and one month for the final one. If you are a phone or internet provider, you have 24 hours to report a personal data breach and a separate duty to tell the communications secrecy authority. Missing the 24-hour clocks is the most common failure.High confidence
What's the trap?: Five things that will cost you a weekend. First, a child in Greece can consent to an online service at fifteen, not sixteen — so an age gate built to the European default is set wrong. Second, misusing personal data is a crime here, with prison time, not just a fine. Third, several articles of the Greek privacy law are printed in the statute but the regulator has formally said they must not be applied, because they clash with European law. Fourth, telecoms connection records must physically stay in Greece. Fifth, government bodies cannot simply pick a commercial cloud.High confidence
What's about to change?: Three dated changes. Electronic invoicing between businesses became compulsory for large Greek companies on 2 March 2026 and becomes compulsory for everyone else on 1 October 2026. Greece's new artificial intelligence law took effect on 22 July 2026 and forces public bodies to register every artificial intelligence system before switching it on. And from 12 January 2027 European law bans cloud providers from charging you to move your data out.High confidence
Hardest industry wall: Telecoms — Νόμος 3917/2011 — Διατήρηση δεδομένων που παράγονται ή υποβάλλονται σε επεξεργασία σε συνάρτηση με την παροχή υπηρεσιών ηλεκτρονικών επικοινωνιών
Online gaming — Νόμος 4002/2011 — Ρύθμιση της αγοράς παιγνίων, άρθρο 47, και Κανονισμοί Παιγνίων (ΥΑ 79305/2020 και 79835/2020)
Government — Νόμος 4727/2020 — Ψηφιακή Διακυβέρνηση, άρθρο 87 (Κυβερνητικά νέφη)

United StatesChecked 18 August 2026

Depends on your industryWork: HighEnforcement: Active

In one paragraph: In general the United States lets data go anywhere. There is no national privacy law and no permit is needed to move data abroad. Two things bite hard. Six countries are effectively off limits for large amounts of sensitive data, with prison sentences attached. And anything connected to government work must physically stay on American soil.
The catch: The open headline stops the moment you touch one of six areas: government contracting, police records, federal tax records, defence technical data, telecom licences, and bulk sensitive data flowing to China, Russia, Iran, North Korea, Cuba or Venezuela. Also note that the rule that actually binds you is almost always a state law or an industry regulator's rule, not a national privacy act. There isn't one.
Does this apply to me?: Yes. American rules reach a foreign company with no office in the country. California's privacy law applies to any for-profit business that 'does business in California' and crosses one of three thresholds, and physical presence is not one of them. The children's rule covers foreign websites aimed at American children. No state and no federal law requires you to appoint a local representative — a real difference from Europe.High confidence
Can the data leave the country?: It depends entirely on your industry, so the single national answer is misleading. For ordinary consumer or employee data, yes — send it anywhere, no paperwork. But six sectors have hard walls. Government contracting, police data, federal tax data and defence work require the data to physically stay in the United States. Telecom licences restrict which foreign staff may even look at records. And for anyone, sending large volumes of sensitive data to six named countries is now a crime.High confidence
What do I have to do to send it abroad?: For ordinary data, nothing. No standard contract, no government approval, no destination approval list. The model is a blocklist and it is now populated: six countries are named. Before you move large volumes of sensitive data, your only real job is to work out whether a country of concern, or a company or person they control, could end up with access — including through a vendor, an investor or an employee.High confidence
Who enforces this — and are they actually working?: Nobody, and everybody. There is no national privacy regulator. Instead the consumer protection regulator, the health department, the securities regulator, the communications regulator, the Justice Department, all fifty state attorneys general and one dedicated state privacy agency each enforce a slice. Almost all of them are visibly working right now. The one exception is the new national data transfer programme: it is staffed and issuing guidance but has published no enforcement action yet.High confidence
How long must I keep it, and when must I delete it?: There is a strong floor and a weak but growing ceiling. Investment firms must keep some books for six years and most others for three, with the first two years easy to reach. Health providers keep their paperwork for six years. In the other direction, state privacy laws now force you to publish how long you keep each type of data and to stop keeping it longer than you said, and since April 2026 children's data may no longer be kept indefinitely. Where a keep-it rule and a delete-it rule collide, the keep-it rule wins: every state law carves out data you are required by law to retain.High confidence
What happens when something goes wrong?: Count the clocks — there are at least seven, and they disagree. New York financial firms: 72 hours to the state regulator, and only 24 hours to report paying a ransom. Telecom carriers: seven working days to the police agencies and the communications regulator, and you may not warn customers until seven working days after that. Investment and finance firms: 30 days to affected customers. Health organisations: 60 days. Texas and many other states: 30 days to the state attorney general. Listed companies: four working days to disclose a material incident. The overlap, not any single deadline, is what people fail.High confidence
What's the trap?: Five that cost people their weekend. One: the national data transfer programme carries prison — up to twenty years for a deliberate breach. Two: Illinois lets individuals sue over fingerprints and face scans with fixed damages per person, no proof of harm needed, and that is where the largest privacy payouts happen. Three: the children's rule uses under 13, but several state laws use under 18, so a single age gate will not do. Four: government work means American soil, and police data allows only the United States, its territories, tribal lands and Canada. Five: a rule can be printed in the law book and still be unenforceable, because a court has blocked it.High confidence
What's about to change?: Four things in the next twelve months. The national critical infrastructure reporting rule should be finalised in late 2026, which will switch on a 72-hour incident clock and a 24-hour ransom-payment clock for a very wide range of businesses. California's rules on automated decision-making bite on 1 January 2027. The open banking rule is being rewritten after a court blocked it. And a federal privacy bill is moving in Congress, but it is only a bill and binds nobody.High confidence
Hardest industry wall: Government — Criminal Justice Information Services (CJIS) Security Policy
Government — Publication 1075, Tax Information Security Guidelines for Federal, State and Local Agencies
Defence — Defense Federal Acquisition Regulation Supplement clause 252.239-7010, Cloud Computing Services
Telecoms — National security agreement / letter of assurance conditioning a section 214 authorisation, reviewed by the Committee for the Assessment of Foreign Participation in the United States Telecommunications Services Sector

The eight framework questions answered for each selected country
Question	GreeceChecked 18 August 2026	United StatesChecked 18 August 2026
The three ratings	Depends on your industry Work: High Enforcement: Active	Depends on your industry Work: High Enforcement: Active
In one paragraph	For most businesses Greece is a normal European country: personal data can leave, as long as you use one of the standard European transfer tools. But Greece has two hard walls that Europe does not. Phone and internet connection records must physically sit on machines inside Greece. Online gambling operators must keep their records on a server inside Greece too. The privacy regulator is fully staffed and fining companies today.	In general the United States lets data go anywhere. There is no national privacy law and no permit is needed to move data abroad. Two things bite hard. Six countries are effectively off limits for large amounts of sensitive data, with prison sentences attached. And anything connected to government work must physically stay on American soil.
The catch	The relaxed European headline stops being true the moment you touch three things. Telecoms connection records must be stored on physical media inside Greek territory for twelve months. Online gambling records must sit on a server or safe inside Greece for ten years. And Greek public bodies must run their central systems on the Greek state's own clouds, not on a commercial cloud of their choosing. Outside those three, plus the health and public sectors, Greece imposes no storage-location rule of its own.	The open headline stops the moment you touch one of six areas: government contracting, police records, federal tax records, defence technical data, telecom licences, and bulk sensitive data flowing to China, Russia, Iran, North Korea, Cuba or Venezuela. Also note that the rule that actually binds you is almost always a state law or an industry regulator's rule, not a national privacy act. There isn't one.
Does this apply to me?	Yes, it reaches a foreign company with no office in Greece. The European privacy rules apply to anyone anywhere who offers goods or services to people in Greece, or who watches what they do online. The Greek national law adds that it also covers anyone processing data on Greek soil. There is no size or revenue threshold that lets you off. If you have no establishment anywhere in Europe, you must appoint a written representative inside the European Union.High confidence	Yes. American rules reach a foreign company with no office in the country. California's privacy law applies to any for-profit business that 'does business in California' and crosses one of three thresholds, and physical presence is not one of them. The children's rule covers foreign websites aimed at American children. No state and no federal law requires you to appoint a local representative — a real difference from Europe.High confidence
Can the data leave the country?	In general, yes. Greece adds no storage-location rule of its own to the European baseline, so ordinary business data can be sent abroad once you have the right European transfer paperwork. Three industries break that rule completely. Telecoms companies must keep their connection records on machines physically inside Greece. Online gambling operators must keep their records on a server inside Greece. And Greek government bodies must run their main systems on state-operated clouds. Health, banking and insurance have extra hoops but no location rule.High confidence	It depends entirely on your industry, so the single national answer is misleading. For ordinary consumer or employee data, yes — send it anywhere, no paperwork. But six sectors have hard walls. Government contracting, police data, federal tax data and defence work require the data to physically stay in the United States. Telecom licences restrict which foreign staff may even look at records. And for anyone, sending large volumes of sensitive data to six named countries is now a crime.High confidence
What do I have to do to send it abroad?	You need one of the standard European transfer tools before data leaves Europe. The simplest is sending it to a country the European Commission has already approved. If the destination is not approved, you sign the European Commission's standard contract with the recipient, or use approved group-wide internal rules, and you write down why you think the data will still be safe there. Greece adds no extra permission, filing or fee of its own.High confidence	For ordinary data, nothing. No standard contract, no government approval, no destination approval list. The model is a blocklist and it is now populated: six countries are named. Before you move large volumes of sensitive data, your only real job is to work out whether a country of concern, or a company or person they control, could end up with access — including through a vendor, an investor or an employee.High confidence
Who enforces this — and are they actually working?	Six bodies, and all six are genuinely working. The Hellenic Data Protection Authority is the main privacy regulator and is issuing numbered decisions and fines every month — its most recent published decisions run to July 2026 and include fines on a bank and an electricity supplier. A separate constitutional authority polices the secrecy of communications. There is also a national cybersecurity authority, a telecoms regulator, the central bank for finance and insurance, and a gambling regulator. This is not a paper regime.High confidence	Nobody, and everybody. There is no national privacy regulator. Instead the consumer protection regulator, the health department, the securities regulator, the communications regulator, the Justice Department, all fifty state attorneys general and one dedicated state privacy agency each enforce a slice. Almost all of them are visibly working right now. The one exception is the new national data transfer programme: it is staffed and issuing guidance but has published no enforcement action yet.High confidence
How long must I keep it, and when must I delete it?	Both directions apply, and they collide. Business books must be kept five years. Medical files must be kept ten years in a private practice and twenty years everywhere else. Online gambling records must be kept ten years. Telecoms connection records must be kept exactly twelve months and then automatically deleted. In the other direction, the European rule says you must not keep personal data longer than you need it. When a specific keeping rule and the general deleting rule clash, the specific keeping rule wins.High confidence	There is a strong floor and a weak but growing ceiling. Investment firms must keep some books for six years and most others for three, with the first two years easy to reach. Health providers keep their paperwork for six years. In the other direction, state privacy laws now force you to publish how long you keep each type of data and to stop keeping it longer than you said, and since April 2026 children's data may no longer be kept indefinitely. Where a keep-it rule and a delete-it rule collide, the keep-it rule wins: every state law carves out data you are required by law to retain.High confidence
What happens when something goes wrong?	Count three clocks, not one. If personal data is lost or exposed, you have 72 hours to tell the privacy regulator. If you run important infrastructure, you have only 24 hours to send a first warning to the national cybersecurity authority, then 72 hours for a fuller report and one month for the final one. If you are a phone or internet provider, you have 24 hours to report a personal data breach and a separate duty to tell the communications secrecy authority. Missing the 24-hour clocks is the most common failure.High confidence	Count the clocks — there are at least seven, and they disagree. New York financial firms: 72 hours to the state regulator, and only 24 hours to report paying a ransom. Telecom carriers: seven working days to the police agencies and the communications regulator, and you may not warn customers until seven working days after that. Investment and finance firms: 30 days to affected customers. Health organisations: 60 days. Texas and many other states: 30 days to the state attorney general. Listed companies: four working days to disclose a material incident. The overlap, not any single deadline, is what people fail.High confidence
What's the trap?	Five things that will cost you a weekend. First, a child in Greece can consent to an online service at fifteen, not sixteen — so an age gate built to the European default is set wrong. Second, misusing personal data is a crime here, with prison time, not just a fine. Third, several articles of the Greek privacy law are printed in the statute but the regulator has formally said they must not be applied, because they clash with European law. Fourth, telecoms connection records must physically stay in Greece. Fifth, government bodies cannot simply pick a commercial cloud.High confidence	Five that cost people their weekend. One: the national data transfer programme carries prison — up to twenty years for a deliberate breach. Two: Illinois lets individuals sue over fingerprints and face scans with fixed damages per person, no proof of harm needed, and that is where the largest privacy payouts happen. Three: the children's rule uses under 13, but several state laws use under 18, so a single age gate will not do. Four: government work means American soil, and police data allows only the United States, its territories, tribal lands and Canada. Five: a rule can be printed in the law book and still be unenforceable, because a court has blocked it.High confidence
What's about to change?	Three dated changes. Electronic invoicing between businesses became compulsory for large Greek companies on 2 March 2026 and becomes compulsory for everyone else on 1 October 2026. Greece's new artificial intelligence law took effect on 22 July 2026 and forces public bodies to register every artificial intelligence system before switching it on. And from 12 January 2027 European law bans cloud providers from charging you to move your data out.High confidence	Four things in the next twelve months. The national critical infrastructure reporting rule should be finalised in late 2026, which will switch on a 72-hour incident clock and a 24-hour ransom-payment clock for a very wide range of businesses. California's rules on automated decision-making bite on 1 January 2027. The open banking rule is being rewritten after a court blocked it. And a federal privacy bill is moving in Congress, but it is only a bill and binds nobody.High confidence
Hardest industry wall	Telecoms — Νόμος 3917/2011 — Διατήρηση δεδομένων που παράγονται ή υποβάλλονται σε επεξεργασία σε συνάρτηση με την παροχή υπηρεσιών ηλεκτρονικών επικοινωνιών Online gaming — Νόμος 4002/2011 — Ρύθμιση της αγοράς παιγνίων, άρθρο 47, και Κανονισμοί Παιγνίων (ΥΑ 79305/2020 και 79835/2020) Government — Νόμος 4727/2020 — Ψηφιακή Διακυβέρνηση, άρθρο 87 (Κυβερνητικά νέφη)	Government — Criminal Justice Information Services (CJIS) Security Policy Government — Publication 1075, Tax Information Security Guidelines for Federal, State and Local Agencies Defence — Defense Federal Acquisition Regulation Supplement clause 252.239-7010, Cloud Computing Services Telecoms — National security agreement / letter of assurance conditioning a section 214 authorisation, reviewed by the Committee for the Assessment of Foreign Participation in the United States Telecommunications Services Sector