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

Countries

IndonesiaChecked 18 August 2026

Depends on your industryWork: HighEnforcement: Waking up

In one paragraph: Indonesia's general privacy law lets data leave if the destination protects it about as well as Indonesia does, or you use strong safeguards, or the person agrees. Money and health are walled off. Banks, payment firms, insurers and non-bank lenders must run their systems on Indonesian soil unless the financial regulator says otherwise, and medical records must sit with a local storage provider.
The catch: The relaxed headline is true only until you touch banking, payments, insurance and other non-bank finance, electronic medical records, or public-sector systems. In those areas the servers themselves must be in Indonesia, and moving them out needs a written permission that the banking regulator may take three months to grant. The general privacy watchdog looks quiet; the financial regulators are not.
Does this apply to me?: Yes. The privacy law follows the data, not the office. It covers any organisation, inside or outside Indonesia, whose handling of personal data has legal effects in Indonesia or affects people in Indonesia. There is no size or revenue cut-off to fall below. An organisation with no presence in the country is expected to name a representative in Indonesia, and any online service used by Indonesians is also expected to register with the digital ministry, which can order internet providers to block services that do not.Medium confidence
Can the data leave the country?: In general yes, with homework. You must be able to show the destination protects personal data at a level at least equal to Indonesia's, or put binding safeguards in place, or get the person's clear agreement. That general answer stops at the door of finance, health and government. Banks, payment providers, insurers and other non-bank financial firms must keep their systems in Indonesian data centres and back-up centres, and can only go offshore with written regulator permission. Electronic medical records must be stored with a provider that has storage facilities inside Indonesia.High confidence
What do I have to do to send it abroad?: There is no published list of approved countries and no official standard contract to sign. Under the general law you assess the destination yourself, write down why it is safe enough, and keep that evidence. In finance the model is completely different: you need a real permission from the regulator before the systems move, and the banking regulator allows itself up to three months to answer once your paperwork is complete.Medium confidence
Who enforces this — and are they actually working?: It depends which rule you break. The privacy law's own watchdog is the weak spot: the law says a supervisory body must be set up by the President, and we found no government source showing it is staffed and issuing decisions as of 18 August 2026. Day to day the digital ministry handles complaints, registration and blocking. The financial regulators are a different story — the Financial Services Authority and the central bank are plainly working, and the Authority issued new binding rules as recently as July 2026.Medium confidence
How long must I keep it, and when must I delete it?: There is a floor and a ceiling and they collide. The hardest floor is health: a hospital or clinic must keep an electronic medical record for at least 25 years after the patient's last visit. Company and tax paperwork must also be kept for years. The ceiling comes from the privacy law, which says personal data must be erased once the purpose is finished, the retention period ends, or the person withdraws consent. Where they clash, the specific keeping rule wins, so a patient asking for deletion does not defeat the 25-year rule.High confidence
What happens when something goes wrong?: Count at least three clocks, and the privacy one is not the fastest. Under the privacy law you have 72 hours to tell the affected people and the regulator about a personal data breach. If you are a bank, you must send the financial regulator a first alert within 24 hours of learning about a serious technology incident, and a full incident report within five working days. Other financial firms, such as insurers and lenders, have five working days. Miss the 24-hour one and the fact that you met the 72-hour one will not help you.High confidence
What's the trap?: Five things that ruin weekends. (1) In finance the wall is a permission, not a contract — moving systems abroad needs a regulator licence and the banking regulator gives itself up to three months to decide, so cloud migrations must be planned around that. (2) In health your cloud provider must have storage facilities in Indonesia, and the Ministry of Health can demand access to the whole medical record. (3) The 25-year medical record rule beats a patient's deletion request. (4) The privacy law carries prison sentences, not just fines, so directors are personally exposed. (5) A foreign company with no office still needs a named representative in Indonesia, and a consumer service that is not registered with the digital ministry can be blocked at the internet level.Medium confidence
What's about to change?: One dated change is certain: from 1 September 2026 trading in digital financial assets, including crypto, runs under the financial regulator's new rulebook, so anyone in that business should re-check where its servers and records must sit. Two things are still pending as far as we could verify: the detailed implementing regulation under the privacy law, and the presidential decision setting up the privacy watchdog itself. Both could land without warning.Medium confidence
Hardest industry wall: Banking — Peraturan Otoritas Jasa Keuangan Nomor 11/POJK.03/2022 tentang Penyelenggaraan Teknologi Informasi oleh Bank Umum
Payments — Peraturan Bank Indonesia Nomor 23/6/PBI/2021 tentang Penyedia Jasa Pembayaran
Insurance — Peraturan Otoritas Jasa Keuangan Nomor 4/POJK.05/2021 tentang Penerapan Manajemen Risiko dalam Penggunaan Teknologi Informasi oleh Lembaga Jasa Keuangan Nonbank
Health and social care — Peraturan Menteri Kesehatan Nomor 24 Tahun 2022 tentang Rekam Medis
Government — Peraturan Pemerintah Nomor 71 Tahun 2019 tentang Penyelenggaraan Sistem dan Transaksi Elektronik
Mapping and location — Undang-Undang Nomor 4 Tahun 2011 tentang Informasi Geospasial

ThailandChecked 18 August 2026

Yes, with paperworkWork: HighEnforcement: Active

In one paragraph: Thailand does not make you keep personal data inside the country, but data cannot leave until you have picked and documented a legal route. The regulator never published a list of approved destination countries, so consent and written safeguards do all the work. A foreign company selling into Thailand needs a named representative living there. Getting it wrong can mean fines, double damages, and in the worst cases jail.
The catch: The permissive headline is about residency only. The burden is high and the pain is elsewhere: a person in Thailand who answers for you personally, parental consent for anyone under twenty in many cases, 90-day traffic logs that catch any business offering guest wi-fi, compensation owed even when you were not careless, and a technology-crime regime that forces banks and telecoms companies to hand customer data into a government-run exchange. Payments, government workloads and digital platforms each add their own regulator gate on top.
Does this apply to me?: Yes. The privacy law reaches a company with no office in Thailand if it offers goods or services to people who are in Thailand, or if it tracks what those people do. Payment is irrelevant — a free service counts. There is no revenue or headcount floor to fall below. A foreign company caught this way must appoint, in writing, a representative who is physically in Thailand and who can be held answerable with no cap on liability.High confidence
Can the data leave the country?: Yes, in most cases. Thailand does not make companies keep a copy of personal data inside the country. But data cannot simply leave: you must first have a legal route, and the regulator has never published a list of approved destination countries, so the 'this country is safe enough' route is unusable in practice. Everyone falls back on informed consent, contract necessity, approved group-wide rules, or their own written safeguards. Several industries add a second gate on top, described below.High confidence
What do I have to do to send it abroad?: There is no permission slip to apply for and no banned-country list. You pick a route and document it before the data moves. The routes are: the destination is judged to have good enough protection; one of six statutory exceptions such as informed consent; group-wide rules certified by the regulator; or your own written safeguards that a person in Thailand could actually enforce. The 'good enough country' route is dead on arrival because the regulator has published no approved list, so in practice the safeguards route and consent do all the work.Medium confidence
Who enforces this — and are they actually working?: The Office of the Personal Data Protection Committee, usually shortened to PDPC, sits under the Ministry of Digital Economy and Society. It is real and staffed: it has a serving Secretary-General, it runs walk-in complaint centres in five provinces and opened another in Ubon Ratchathani on 17 August 2026, and it is executing Cabinet-level instructions on data breaches. Complaints are decided by an Expert Committee that can order you to stop, order you to fix things, and impose fines itself. Other regulators run their own lanes: the cyber-security agency for critical infrastructure, the central bank for payments, and the electronic transactions agency for digital platforms.Medium confidence
How long must I keep it, and when must I delete it?: Thailand pushes in both directions at once. The floor: anyone who provides a computer or internet service to other people must keep traffic logs for at least 90 days, and an official can order that stretched to as much as two years. The ceiling: the privacy law makes you build a system that actually deletes personal data once your stated retention period runs out or the data is no longer needed. When the two collide, the keep-it duty wins, because the delete duty has a written carve-out for complying with law and for defending legal claims.High confidence
What happens when something goes wrong?: Count three clocks, not one. First: tell the privacy regulator about a personal data breach without delay and within 72 hours of becoming aware, unless the breach carries no risk to people; if the risk to people is high you must also tell the affected individuals, with advice on what to do, without delay. Second: if you run critical information infrastructure, a significant cyber threat must be reported to the national cyber-security agency and to your own sector regulator, and silence without good reason is itself an offence. Third: if you are a bank or a telecoms operator and you suspect technology crime, you must push customer account and transaction data into a shared government-run system immediately.High confidence
What's the trap?: Five things that are not in the brochure. Children: Thailand needs a parent's consent for a child aged ten or under, and for older teenagers too unless the act is one the law lets a minor do alone — and a person is a minor in Thailand until twenty. Jail is on the table for misusing sensitive data. You owe compensation even if you were not careless, and a court can add up to double on top. A foreign company must put a named human in Thailand with unlimited authority. And the 90-day log rule catches ordinary businesses that just offer guest wi-fi.High confidence
What's about to change?: Nothing in the next twelve months looks like a new statute. What is moving is enforcement reach. The privacy regulator is opening walk-in centres in eight provinces during 2026 to cover all five regions, which means more complaints will actually get filed. The Cabinet decided on 11 August 2026 to require multi-factor login protection across government to stop leaked passwords turning into data breaches, and the ministry is pushing the same expectation across all twenty ministries. The bigger risk is not new law but switches the government already holds and can flip without warning.Medium confidence
Hardest industry wall: None found.

The eight framework questions answered for each selected country
Question	IndonesiaChecked 18 August 2026	ThailandChecked 18 August 2026
The three ratings	Depends on your industry Work: High Enforcement: Waking up	Yes, with paperwork Work: High Enforcement: Active
In one paragraph	Indonesia's general privacy law lets data leave if the destination protects it about as well as Indonesia does, or you use strong safeguards, or the person agrees. Money and health are walled off. Banks, payment firms, insurers and non-bank lenders must run their systems on Indonesian soil unless the financial regulator says otherwise, and medical records must sit with a local storage provider.	Thailand does not make you keep personal data inside the country, but data cannot leave until you have picked and documented a legal route. The regulator never published a list of approved destination countries, so consent and written safeguards do all the work. A foreign company selling into Thailand needs a named representative living there. Getting it wrong can mean fines, double damages, and in the worst cases jail.
The catch	The relaxed headline is true only until you touch banking, payments, insurance and other non-bank finance, electronic medical records, or public-sector systems. In those areas the servers themselves must be in Indonesia, and moving them out needs a written permission that the banking regulator may take three months to grant. The general privacy watchdog looks quiet; the financial regulators are not.	The permissive headline is about residency only. The burden is high and the pain is elsewhere: a person in Thailand who answers for you personally, parental consent for anyone under twenty in many cases, 90-day traffic logs that catch any business offering guest wi-fi, compensation owed even when you were not careless, and a technology-crime regime that forces banks and telecoms companies to hand customer data into a government-run exchange. Payments, government workloads and digital platforms each add their own regulator gate on top.
Does this apply to me?	Yes. The privacy law follows the data, not the office. It covers any organisation, inside or outside Indonesia, whose handling of personal data has legal effects in Indonesia or affects people in Indonesia. There is no size or revenue cut-off to fall below. An organisation with no presence in the country is expected to name a representative in Indonesia, and any online service used by Indonesians is also expected to register with the digital ministry, which can order internet providers to block services that do not.Medium confidence	Yes. The privacy law reaches a company with no office in Thailand if it offers goods or services to people who are in Thailand, or if it tracks what those people do. Payment is irrelevant — a free service counts. There is no revenue or headcount floor to fall below. A foreign company caught this way must appoint, in writing, a representative who is physically in Thailand and who can be held answerable with no cap on liability.High confidence
Can the data leave the country?	In general yes, with homework. You must be able to show the destination protects personal data at a level at least equal to Indonesia's, or put binding safeguards in place, or get the person's clear agreement. That general answer stops at the door of finance, health and government. Banks, payment providers, insurers and other non-bank financial firms must keep their systems in Indonesian data centres and back-up centres, and can only go offshore with written regulator permission. Electronic medical records must be stored with a provider that has storage facilities inside Indonesia.High confidence	Yes, in most cases. Thailand does not make companies keep a copy of personal data inside the country. But data cannot simply leave: you must first have a legal route, and the regulator has never published a list of approved destination countries, so the 'this country is safe enough' route is unusable in practice. Everyone falls back on informed consent, contract necessity, approved group-wide rules, or their own written safeguards. Several industries add a second gate on top, described below.High confidence
What do I have to do to send it abroad?	There is no published list of approved countries and no official standard contract to sign. Under the general law you assess the destination yourself, write down why it is safe enough, and keep that evidence. In finance the model is completely different: you need a real permission from the regulator before the systems move, and the banking regulator allows itself up to three months to answer once your paperwork is complete.Medium confidence	There is no permission slip to apply for and no banned-country list. You pick a route and document it before the data moves. The routes are: the destination is judged to have good enough protection; one of six statutory exceptions such as informed consent; group-wide rules certified by the regulator; or your own written safeguards that a person in Thailand could actually enforce. The 'good enough country' route is dead on arrival because the regulator has published no approved list, so in practice the safeguards route and consent do all the work.Medium confidence
Who enforces this — and are they actually working?	It depends which rule you break. The privacy law's own watchdog is the weak spot: the law says a supervisory body must be set up by the President, and we found no government source showing it is staffed and issuing decisions as of 18 August 2026. Day to day the digital ministry handles complaints, registration and blocking. The financial regulators are a different story — the Financial Services Authority and the central bank are plainly working, and the Authority issued new binding rules as recently as July 2026.Medium confidence	The Office of the Personal Data Protection Committee, usually shortened to PDPC, sits under the Ministry of Digital Economy and Society. It is real and staffed: it has a serving Secretary-General, it runs walk-in complaint centres in five provinces and opened another in Ubon Ratchathani on 17 August 2026, and it is executing Cabinet-level instructions on data breaches. Complaints are decided by an Expert Committee that can order you to stop, order you to fix things, and impose fines itself. Other regulators run their own lanes: the cyber-security agency for critical infrastructure, the central bank for payments, and the electronic transactions agency for digital platforms.Medium confidence
How long must I keep it, and when must I delete it?	There is a floor and a ceiling and they collide. The hardest floor is health: a hospital or clinic must keep an electronic medical record for at least 25 years after the patient's last visit. Company and tax paperwork must also be kept for years. The ceiling comes from the privacy law, which says personal data must be erased once the purpose is finished, the retention period ends, or the person withdraws consent. Where they clash, the specific keeping rule wins, so a patient asking for deletion does not defeat the 25-year rule.High confidence	Thailand pushes in both directions at once. The floor: anyone who provides a computer or internet service to other people must keep traffic logs for at least 90 days, and an official can order that stretched to as much as two years. The ceiling: the privacy law makes you build a system that actually deletes personal data once your stated retention period runs out or the data is no longer needed. When the two collide, the keep-it duty wins, because the delete duty has a written carve-out for complying with law and for defending legal claims.High confidence
What happens when something goes wrong?	Count at least three clocks, and the privacy one is not the fastest. Under the privacy law you have 72 hours to tell the affected people and the regulator about a personal data breach. If you are a bank, you must send the financial regulator a first alert within 24 hours of learning about a serious technology incident, and a full incident report within five working days. Other financial firms, such as insurers and lenders, have five working days. Miss the 24-hour one and the fact that you met the 72-hour one will not help you.High confidence	Count three clocks, not one. First: tell the privacy regulator about a personal data breach without delay and within 72 hours of becoming aware, unless the breach carries no risk to people; if the risk to people is high you must also tell the affected individuals, with advice on what to do, without delay. Second: if you run critical information infrastructure, a significant cyber threat must be reported to the national cyber-security agency and to your own sector regulator, and silence without good reason is itself an offence. Third: if you are a bank or a telecoms operator and you suspect technology crime, you must push customer account and transaction data into a shared government-run system immediately.High confidence
What's the trap?	Five things that ruin weekends. (1) In finance the wall is a permission, not a contract — moving systems abroad needs a regulator licence and the banking regulator gives itself up to three months to decide, so cloud migrations must be planned around that. (2) In health your cloud provider must have storage facilities in Indonesia, and the Ministry of Health can demand access to the whole medical record. (3) The 25-year medical record rule beats a patient's deletion request. (4) The privacy law carries prison sentences, not just fines, so directors are personally exposed. (5) A foreign company with no office still needs a named representative in Indonesia, and a consumer service that is not registered with the digital ministry can be blocked at the internet level.Medium confidence	Five things that are not in the brochure. Children: Thailand needs a parent's consent for a child aged ten or under, and for older teenagers too unless the act is one the law lets a minor do alone — and a person is a minor in Thailand until twenty. Jail is on the table for misusing sensitive data. You owe compensation even if you were not careless, and a court can add up to double on top. A foreign company must put a named human in Thailand with unlimited authority. And the 90-day log rule catches ordinary businesses that just offer guest wi-fi.High confidence
What's about to change?	One dated change is certain: from 1 September 2026 trading in digital financial assets, including crypto, runs under the financial regulator's new rulebook, so anyone in that business should re-check where its servers and records must sit. Two things are still pending as far as we could verify: the detailed implementing regulation under the privacy law, and the presidential decision setting up the privacy watchdog itself. Both could land without warning.Medium confidence	Nothing in the next twelve months looks like a new statute. What is moving is enforcement reach. The privacy regulator is opening walk-in centres in eight provinces during 2026 to cover all five regions, which means more complaints will actually get filed. The Cabinet decided on 11 August 2026 to require multi-factor login protection across government to stop leaked passwords turning into data breaches, and the ministry is pushing the same expectation across all twenty ministries. The bigger risk is not new law but switches the government already holds and can flip without warning.Medium confidence
Hardest industry wall	Banking — Peraturan Otoritas Jasa Keuangan Nomor 11/POJK.03/2022 tentang Penyelenggaraan Teknologi Informasi oleh Bank Umum Payments — Peraturan Bank Indonesia Nomor 23/6/PBI/2021 tentang Penyedia Jasa Pembayaran Insurance — Peraturan Otoritas Jasa Keuangan Nomor 4/POJK.05/2021 tentang Penerapan Manajemen Risiko dalam Penggunaan Teknologi Informasi oleh Lembaga Jasa Keuangan Nonbank Health and social care — Peraturan Menteri Kesehatan Nomor 24 Tahun 2022 tentang Rekam Medis Government — Peraturan Pemerintah Nomor 71 Tahun 2019 tentang Penyelenggaraan Sistem dan Transaksi Elektronik Mapping and location — Undang-Undang Nomor 4 Tahun 2011 tentang Informasi Geospasial	None found.