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

Countries

MongoliaChecked 18 August 2026

Depends on your industryWork: HighEnforcement: Waking up

In one paragraph: Mongolia is not an open country for data. As a rule you may not send personal data abroad at all unless the person agrees or a law says you can. On top of that, a 2023 ministry order says that any server handling sensitive data must sit in Mongolia and must be reachable only from inside Mongolia. Sensitive data is defined very widely and includes health records and the content of messages.
The catch: Do not read 'depends on your industry' as 'open in general'. The baseline is already a ban with a consent exception. The hard walls are drawn by data type as much as by industry: health data, biometrics, genetic data, criminal records, digital signature keys and the content of letters, e-mail and messages all fall inside the server-in-Mongolia rule, whatever business you are in. Government bodies, state-owned and state-part-owned companies, and any company running a government service under a law or contract face a second wall over their databases.
Does this apply to me?: Probably not, if you have no presence in Mongolia at all. The privacy law says it governs how people, companies and unincorporated bodies collect, process and use personal data, but it does not say it reaches organisations outside the country. There is no revenue or size threshold, and there is no duty to appoint a local representative. In practice the rules bite through your Mongolian company, your Mongolian server, or your Mongolian licence rather than through long-arm reach.Medium confidence
Can the data leave the country?: Only sometimes, and for a lot of data the answer is a flat no. The general rule is that sending personal data to a person, company or international body abroad is banned unless a law or a treaty allows it, or the person the data is about has agreed. Then a separate ministry order takes health data, biometrics, genetic data, criminal records, digital signature keys and the content of letters, e-mail and messages out of reach entirely: the server has to be in Mongolia and has to be reachable only from Mongolia. Government systems and the country's foundational databases must also stay in Mongolia.High confidence
What do I have to do to send it abroad?: There is no approval process, no standard contract and no list of approved countries. Mongolia works the other way round: the transfer is banned, and the only ways out are a law or treaty that allows it, or the written consent of the person concerned. Consent is not a light-touch tick box. You must name every recipient before you collect the data, you must be able to prove the consent, and the person can withdraw it at any time.High confidence
Who enforces this — and are they actually working?: Nobody owns privacy on its own. The law splits the job three ways: the National Human Rights Commission handles complaints and supervision, the Ministry of Digital Development, Innovation and Communications writes the technical rules and takes cyber incident reports, and other state bodies police their own sectors. The ministry is clearly working: it has issued binding orders and it keeps a live register of 49 licensed information security auditors. What we could not find is any published privacy fine or decision, so treat the privacy side as switched on but not yet biting.Medium confidence
How long must I keep it, and when must I delete it?: Mongolia is unusual: the privacy law tells you when you may delete, not just when you must. You may only erase personal data on four listed grounds, and deleting it on any other ground is forbidden. Pulling the other way, payment businesses must keep their records for at least 15 years, anyone handling sensitive data must keep a history log of every change, deletion and restoration, and organisations running shared information systems must keep activity logs for a period fixed by government rules.High confidence
What happens when something goes wrong?: There are three clocks and none of them is measured in hours. The word the laws use is 'immediately', which they define as the shortest possible time. You tell the affected person immediately if the problem could harm them, you tell the ministry immediately if your system's security failed or you were attacked, and if you run critical national infrastructure you tell the national response centre immediately as well. Once a year, every January, you also send the human rights commission a register of the incidents you had and what you did about them.High confidence
What's the trap?: Five things catch people out. First, fingerprint scanners at work are illegal for private employers: an employer may use other biometrics with the worker's consent, but never fingerprints, and may not pass that biometric data to anyone else. Second, 'sensitive data' includes the content of letters, e-mail and messages, which drags ordinary company mail systems towards the server-in-Mongolia rule. Third, financial and payment data is not classed as sensitive, but a fingerprint or face login for a banking app is, so banks land inside the strict rules by the back door. Fourth, breaking the privacy law can be a crime, not just a fine. Fifth, if you build data storage or a content delivery network inside Mongolia you need a telecoms licence.High confidence
What's about to change?: One big thing is in motion. The government decided on 13 May 2026 to build a legal framework for putting data into economic circulation and reuse, and to prepare for a green, energy-efficient data centre in Mongolia. The ministry is now consulting on a first Data Law. It is a draft, so nothing in it binds anyone yet. The bigger short-term risk is not new legislation at all: the minister can rewrite the server and storage rules by a simple order, without parliament and without consultation.Medium confidence
Hardest industry wall: Health and social care — Хүний эмзэг мэдээлэл, генетик болон биометрик мэдээлэл боловсруулахад баримтлах технологийн аюулгүй байдлын шаардлага, журам
Government — Нийтийн мэдээллийн ил тод байдлын тухай хууль
Mapping and location — Нийтийн мэдээллийн ил тод байдлын тухай хууль, 27.3, 27.7 дугаар зүйл
All industries — Хүний хувийн мэдээлэл хамгаалах тухай хууль, 10, 31 дүгээр зүйл

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	MongoliaChecked 18 August 2026	CroatiaChecked 18 August 2026
The three ratings	Depends on your industry Work: High Enforcement: Waking up	Depends on your industry Work: High Enforcement: Active
In one paragraph	Mongolia is not an open country for data. As a rule you may not send personal data abroad at all unless the person agrees or a law says you can. On top of that, a 2023 ministry order says that any server handling sensitive data must sit in Mongolia and must be reachable only from inside Mongolia. Sensitive data is defined very widely and includes health records and the content of messages.	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	Do not read 'depends on your industry' as 'open in general'. The baseline is already a ban with a consent exception. The hard walls are drawn by data type as much as by industry: health data, biometrics, genetic data, criminal records, digital signature keys and the content of letters, e-mail and messages all fall inside the server-in-Mongolia rule, whatever business you are in. Government bodies, state-owned and state-part-owned companies, and any company running a government service under a law or contract face a second wall over their databases.	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?	Probably not, if you have no presence in Mongolia at all. The privacy law says it governs how people, companies and unincorporated bodies collect, process and use personal data, but it does not say it reaches organisations outside the country. There is no revenue or size threshold, and there is no duty to appoint a local representative. In practice the rules bite through your Mongolian company, your Mongolian server, or your Mongolian licence rather than through long-arm reach.Medium 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?	Only sometimes, and for a lot of data the answer is a flat no. The general rule is that sending personal data to a person, company or international body abroad is banned unless a law or a treaty allows it, or the person the data is about has agreed. Then a separate ministry order takes health data, biometrics, genetic data, criminal records, digital signature keys and the content of letters, e-mail and messages out of reach entirely: the server has to be in Mongolia and has to be reachable only from Mongolia. Government systems and the country's foundational databases must also stay in Mongolia.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?	There is no approval process, no standard contract and no list of approved countries. Mongolia works the other way round: the transfer is banned, and the only ways out are a law or treaty that allows it, or the written consent of the person concerned. Consent is not a light-touch tick box. You must name every recipient before you collect the data, you must be able to prove the consent, and the person can withdraw it at any time.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?	Nobody owns privacy on its own. The law splits the job three ways: the National Human Rights Commission handles complaints and supervision, the Ministry of Digital Development, Innovation and Communications writes the technical rules and takes cyber incident reports, and other state bodies police their own sectors. The ministry is clearly working: it has issued binding orders and it keeps a live register of 49 licensed information security auditors. What we could not find is any published privacy fine or decision, so treat the privacy side as switched on but not yet biting.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?	Mongolia is unusual: the privacy law tells you when you may delete, not just when you must. You may only erase personal data on four listed grounds, and deleting it on any other ground is forbidden. Pulling the other way, payment businesses must keep their records for at least 15 years, anyone handling sensitive data must keep a history log of every change, deletion and restoration, and organisations running shared information systems must keep activity logs for a period fixed by government rules.High 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?	There are three clocks and none of them is measured in hours. The word the laws use is 'immediately', which they define as the shortest possible time. You tell the affected person immediately if the problem could harm them, you tell the ministry immediately if your system's security failed or you were attacked, and if you run critical national infrastructure you tell the national response centre immediately as well. Once a year, every January, you also send the human rights commission a register of the incidents you had and what you did about them.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 things catch people out. First, fingerprint scanners at work are illegal for private employers: an employer may use other biometrics with the worker's consent, but never fingerprints, and may not pass that biometric data to anyone else. Second, 'sensitive data' includes the content of letters, e-mail and messages, which drags ordinary company mail systems towards the server-in-Mongolia rule. Third, financial and payment data is not classed as sensitive, but a fingerprint or face login for a banking app is, so banks land inside the strict rules by the back door. Fourth, breaking the privacy law can be a crime, not just a fine. Fifth, if you build data storage or a content delivery network inside Mongolia you need a telecoms licence.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?	One big thing is in motion. The government decided on 13 May 2026 to build a legal framework for putting data into economic circulation and reuse, and to prepare for a green, energy-efficient data centre in Mongolia. The ministry is now consulting on a first Data Law. It is a draft, so nothing in it binds anyone yet. The bigger short-term risk is not new legislation at all: the minister can rewrite the server and storage rules by a simple order, without parliament and without consultation.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	Health and social care — Хүний эмзэг мэдээлэл, генетик болон биометрик мэдээлэл боловсруулахад баримтлах технологийн аюулгүй байдлын шаардлага, журам Government — Нийтийн мэдээллийн ил тод байдлын тухай хууль Mapping and location — Нийтийн мэдээллийн ил тод байдлын тухай хууль, 27.3, 27.7 дугаар зүйл All industries — Хүний хувийн мэдээлэл хамгаалах тухай хууль, 10, 31 дүгээр зүйл	All industries — Zakon o računovodstvu Government — Zakon o državnoj informacijskoj infrastrukturi Health and social care — Zakon o podacima i informacijama u zdravstvu