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MaltaChecked 18 August 2026

Depends on your industryWork: MediumEnforcement: Active

In one paragraph: Malta runs on the European rulebook. Data may go abroad once the right paperwork is in place, and there is no general rule that it must stay on the island. Two things break that. Online gaming companies must keep their core systems inside Europe. And any Maltese company that keeps its books abroad must still keep a copy of its accounts in Malta.
The catch: The easy answer stops being true in three places. First, online gaming, which is Malta's biggest regulated industry: a licensed operator's 'key technical setup' — including the player database, the financial database and the control system — must sit in Malta or another European Economic Area country, unless the Malta Gaming Authority approves another location one case at a time. The same operator must also run a live mirror of its essential regulatory data that the Authority can reach at any moment, including physically. Second, company law: if a company keeps its accounting records outside Malta, it must still send to Malta, and keep in Malta, accounts and returns good enough to show the financial position at least every six months. Third, government: the public administration's own cloud policy says cloud services should as a rule be inside the European Union or European Economic Area, and anything classified must go on the government's own cloud. Banking, payments, insurance, securities, health, education and mapping have no storage-location rule that we could find, checked 18 August 2026.
Does this apply to me?: Yes. Malta's Data Protection Act reaches a company with no office in Malta if it offers goods or services to people in Malta, or watches their behaviour in Malta. There is no size or revenue threshold. There is no extra Maltese representative to appoint beyond the one the European rules already require of companies based outside Europe.High confidence
Can the data leave the country?: In general, yes. Malta has no law saying personal data must be stored on the island. It follows the European Union rules: send data outside Europe once you have an approved destination or the right contract. Three areas override that. Online gaming is the big one, and it is Malta's flagship industry.High confidence
What do I have to do to send it abroad?: Use the European toolkit. Send data to a country the European Commission has approved, or sign the European standard contract, or use approved group-wide rules. Malta adds nothing on top. Malta's own minister has a power to restrict transfers of named categories of data, but has never used it, so the list of Maltese restrictions is empty today.High confidence
Who enforces this — and are they actually working?: The Information and Data Protection Commissioner. It is real, staffed and issuing decisions: its public register shows around nineteen decisions published in 2026 and thirty-eight in 2025. The fines are small by European standards — most sit between about 2,000 and 20,000 euros (roughly $2,300 to $23,000). The gaming regulator is the harder one, and it cancels licences.High confidence
How long must I keep it, and when must I delete it?: There is a floor and a ceiling. The floor: company accounting records for ten years, tax and value-added-tax records for at least six years, and anti-money-laundering records for five years. The ceiling: the European rule that you delete personal data once you no longer need it. Where they clash, the specific Maltese law that orders you to keep something wins, because keeping it is then a legal duty.High confidence
What happens when something goes wrong?: Count three clocks, and they do not line up. Seventy-two hours to tell the privacy regulator about a personal data breach. Twenty-four hours to send a first warning about a serious cyber incident, then seventy-two hours for the full report and one month for the final one. Phone and internet companies have their own separate duty to report straight away.High confidence
What's the trap?: Five things that are not in the summary. A child in Malta is thirteen, not sixteen. Health and biometric research needs the regulator's written permission before you start, not just a risk assessment. Copying someone's identity card is restricted. Leaking a client secret can be a crime, not a fine. And the gaming regulator can keep personal data forever, in a law that says so out loud.High confidence
What's about to change?: Three dated changes. On 1 January 2027 a new law stops insurers, banks and employers asking about a cancer diagnosis once enough time has passed since treatment. On 12 January 2027 European rules make cloud switching and data export fees free. And Malta's artificial intelligence rules started phasing in on 2 August 2026, with the privacy regulator now policing the market.High confidence
Hardest industry wall: All industries — Att dwar il-Kumpaniji (Kap. 386), artikolu 163

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

The eight framework questions answered for each selected country
Question	MaltaChecked 18 August 2026	GeorgiaChecked 18 August 2026
The three ratings	Depends on your industry Work: Medium Enforcement: Active	Yes, with paperwork Work: High Enforcement: Waking up
In one paragraph	Malta runs on the European rulebook. Data may go abroad once the right paperwork is in place, and there is no general rule that it must stay on the island. Two things break that. Online gaming companies must keep their core systems inside Europe. And any Maltese company that keeps its books abroad must still keep a copy of its accounts in Malta.	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	The easy answer stops being true in three places. First, online gaming, which is Malta's biggest regulated industry: a licensed operator's 'key technical setup' — including the player database, the financial database and the control system — must sit in Malta or another European Economic Area country, unless the Malta Gaming Authority approves another location one case at a time. The same operator must also run a live mirror of its essential regulatory data that the Authority can reach at any moment, including physically. Second, company law: if a company keeps its accounting records outside Malta, it must still send to Malta, and keep in Malta, accounts and returns good enough to show the financial position at least every six months. Third, government: the public administration's own cloud policy says cloud services should as a rule be inside the European Union or European Economic Area, and anything classified must go on the government's own cloud. Banking, payments, insurance, securities, health, education and mapping have no storage-location rule that we could find, checked 18 August 2026.	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. Malta's Data Protection Act reaches a company with no office in Malta if it offers goods or services to people in Malta, or watches their behaviour in Malta. There is no size or revenue threshold. There is no extra Maltese representative to appoint beyond the one the European rules already require of companies based outside Europe.High confidence	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?	In general, yes. Malta has no law saying personal data must be stored on the island. It follows the European Union rules: send data outside Europe once you have an approved destination or the right contract. Three areas override that. Online gaming is the big one, and it is Malta's flagship industry.High confidence	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?	Use the European toolkit. Send data to a country the European Commission has approved, or sign the European standard contract, or use approved group-wide rules. Malta adds nothing on top. Malta's own minister has a power to restrict transfers of named categories of data, but has never used it, so the list of Maltese restrictions is empty today.High confidence	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?	The Information and Data Protection Commissioner. It is real, staffed and issuing decisions: its public register shows around nineteen decisions published in 2026 and thirty-eight in 2025. The fines are small by European standards — most sit between about 2,000 and 20,000 euros (roughly $2,300 to $23,000). The gaming regulator is the harder one, and it cancels licences.High confidence	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?	There is a floor and a ceiling. The floor: company accounting records for ten years, tax and value-added-tax records for at least six years, and anti-money-laundering records for five years. The ceiling: the European rule that you delete personal data once you no longer need it. Where they clash, the specific Maltese law that orders you to keep something wins, because keeping it is then a legal duty.High confidence	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?	Count three clocks, and they do not line up. Seventy-two hours to tell the privacy regulator about a personal data breach. Twenty-four hours to send a first warning about a serious cyber incident, then seventy-two hours for the full report and one month for the final one. Phone and internet companies have their own separate duty to report straight away.High confidence	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 things that are not in the summary. A child in Malta is thirteen, not sixteen. Health and biometric research needs the regulator's written permission before you start, not just a risk assessment. Copying someone's identity card is restricted. Leaking a client secret can be a crime, not a fine. And the gaming regulator can keep personal data forever, in a law that says so out loud.High confidence	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?	Three dated changes. On 1 January 2027 a new law stops insurers, banks and employers asking about a cancer diagnosis once enough time has passed since treatment. On 12 January 2027 European rules make cloud switching and data export fees free. And Malta's artificial intelligence rules started phasing in on 2 August 2026, with the privacy regulator now policing the market.High confidence	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	All industries — Att dwar il-Kumpaniji (Kap. 386), artikolu 163	Telecoms — საქართველოს კანონი ელექტრონული კომუნიკაციების შესახებ