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SloveniaChecked 18 August 2026

Depends on your industryWork: HighEnforcement: Active

In one paragraph: Slovenia has no general rule that data must stay in the country. It runs on the European rulebook: send data abroad once you have the right paperwork. Three things break that. The company running the new national health record system may not store data outside Slovenia. Government bodies may cloud only their least sensitive data. And working-time records must sit at the Slovenian workplace.
The catch: The easy answer stops being true in four places. First, health: the state-owned company running the central health information system is forbidden by law from transferring or storing personal data outside Slovenian territory, and every healthcare provider in the country must plug into that system. Second, government: a state administration body may only use a public cloud for the lowest security tiers of information, and only after the ministry approves in writing. Third, employment: the record of working time and the documents behind it must be kept at the employer's registered office or at the place where the worker actually works. Fourth, gambling: only a joint-stock company registered in Slovenia can hold a concession, and its system must be wired into the tax authority's own system. Banking, payments, insurance, securities, telecoms and mapping have no storage-location rule that we could find.
Does this apply to me?: Yes. Slovenia's privacy rules reach a company with no office there. If you offer goods or services to people in Slovenia, or watch what they do online, the European rules apply to you and Slovenia's own privacy act applies alongside them. There is no size or revenue threshold that lets you out. A company with no office anywhere in Europe must appoint a written representative inside Europe.High confidence
Can the data leave the country?: In general yes, with paperwork — Slovenia adds no national storage-location rule of its own on top of the European regime. But four industries break that answer, and one of them is a hard wall. Health is the big one: the state company that runs Slovenia's central health record system is banned outright from storing or sending personal data outside Slovenia, and every healthcare provider must connect to that system. Government cloud, employment records and gambling each carry their own restriction.High confidence
What do I have to do to send it abroad?: Slovenia uses the European model, and it works like an approved-destinations list with escape hatches. Data may go to a country the European Commission has approved. If the destination is not approved, you can still send data by signing the Commission's standard contract, using approved group-wide rules, or relying on one of a few narrow exceptions. Slovenia adds nothing of its own. The old Slovenian system, where the Information Commissioner had to authorise each export, was scrapped when the current privacy act arrived in January 2023.High confidence
Who enforces this — and are they actually working?: The Information Commissioner, and it is genuinely working. In 2025 it opened 464 inspection cases from complaints plus 102 more from inspection reports, issued 134 enforcement decisions, fined in 89 of them, gave warnings in 45, and handed down what it calls its largest fine since the European rules began. It handled 153 breach reports. It is small: one commissioner and 53 staff at the end of 2025, and it says openly that it does not have enough people. Cybersecurity is enforced separately by a government office set up for the job.High confidence
How long must I keep it, and when must I delete it?: Both directions, and the floors are long. A patient's medical file must be kept for ten years after the patient dies, and other basic medical records for fifteen years. Records of who touched personal data in a computer system must be kept for two years after the end of the year, and up to five if the risk is high. Working-time records must be kept at the Slovenian workplace. In the other direction the European rule applies: delete personal data once the purpose is spent.High confidence
What happens when something goes wrong?: Count three clocks, not one. A personal data breach goes to the Information Commissioner within 72 hours. A serious cyber incident, if you are an essential or important organisation, goes to the government security office immediately and in any case within 24 hours as an early warning, then a full report within 72 hours, then a final report within one month. Telecoms operators have their own duties on top. Missing the 24-hour warning is the most common failure, because it lands while you are still working out what happened.High confidence
What's the trap?: Five things that catch people out. A child can consent at 15 in Slovenia, not 16 — one year younger than the European default. Fingerprints and face scans are banned in the private sector unless a law allows them and the Commissioner approves. Every access to a covered database must be logged and the log kept two years. Leaking personal data you got through your job is a crime, not just a fine. And working-time records must physically be at the Slovenian workplace, which no cloud contract fixes.High confidence
What's about to change?: Two dates in the next twelve months matter most. On 19 December 2026 the cybersecurity duties bite for organisations newly captured by Slovenia's 2025 Information Security Act — registration, security measures and the incident clocks. On 12 January 2027 the European Data Act bans all cloud switching and data export fees. Behind both sits the roll-out of the national health record system, whose ban on storing data outside Slovenia is already law but whose timetable we could not pin down.Medium confidence
Hardest industry wall: Health and social care — Zakon o digitalizaciji zdravstva (ZDigZ)
All industries — Zakon o spremembah in dopolnitvah Zakona o evidencah na področju dela in socialne varnosti (ZEPDSV-A)

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	SloveniaChecked 18 August 2026	CroatiaChecked 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	Slovenia has no general rule that data must stay in the country. It runs on the European rulebook: send data abroad once you have the right paperwork. Three things break that. The company running the new national health record system may not store data outside Slovenia. Government bodies may cloud only their least sensitive data. And working-time records must sit at the Slovenian workplace.	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 easy answer stops being true in four places. First, health: the state-owned company running the central health information system is forbidden by law from transferring or storing personal data outside Slovenian territory, and every healthcare provider in the country must plug into that system. Second, government: a state administration body may only use a public cloud for the lowest security tiers of information, and only after the ministry approves in writing. Third, employment: the record of working time and the documents behind it must be kept at the employer's registered office or at the place where the worker actually works. Fourth, gambling: only a joint-stock company registered in Slovenia can hold a concession, and its system must be wired into the tax authority's own system. Banking, payments, insurance, securities, telecoms and mapping have no storage-location rule that we could find.	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. Slovenia's privacy rules reach a company with no office there. If you offer goods or services to people in Slovenia, or watch what they do online, the European rules apply to you and Slovenia's own privacy act applies alongside them. There is no size or revenue threshold that lets you out. A company with no office anywhere in Europe must appoint a written representative inside Europe.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?	In general yes, with paperwork — Slovenia adds no national storage-location rule of its own on top of the European regime. But four industries break that answer, and one of them is a hard wall. Health is the big one: the state company that runs Slovenia's central health record system is banned outright from storing or sending personal data outside Slovenia, and every healthcare provider must connect to that system. Government cloud, employment records and gambling each carry their own restriction.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?	Slovenia uses the European model, and it works like an approved-destinations list with escape hatches. Data may go to a country the European Commission has approved. If the destination is not approved, you can still send data by signing the Commission's standard contract, using approved group-wide rules, or relying on one of a few narrow exceptions. Slovenia adds nothing of its own. The old Slovenian system, where the Information Commissioner had to authorise each export, was scrapped when the current privacy act arrived in January 2023.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?	The Information Commissioner, and it is genuinely working. In 2025 it opened 464 inspection cases from complaints plus 102 more from inspection reports, issued 134 enforcement decisions, fined in 89 of them, gave warnings in 45, and handed down what it calls its largest fine since the European rules began. It handled 153 breach reports. It is small: one commissioner and 53 staff at the end of 2025, and it says openly that it does not have enough people. Cybersecurity is enforced separately by a government office set up for the job.High 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?	Both directions, and the floors are long. A patient's medical file must be kept for ten years after the patient dies, and other basic medical records for fifteen years. Records of who touched personal data in a computer system must be kept for two years after the end of the year, and up to five if the risk is high. Working-time records must be kept at the Slovenian workplace. In the other direction the European rule applies: delete personal data once the purpose is spent.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?	Count three clocks, not one. A personal data breach goes to the Information Commissioner within 72 hours. A serious cyber incident, if you are an essential or important organisation, goes to the government security office immediately and in any case within 24 hours as an early warning, then a full report within 72 hours, then a final report within one month. Telecoms operators have their own duties on top. Missing the 24-hour warning is the most common failure, because it lands while you are still working out what happened.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 that catch people out. A child can consent at 15 in Slovenia, not 16 — one year younger than the European default. Fingerprints and face scans are banned in the private sector unless a law allows them and the Commissioner approves. Every access to a covered database must be logged and the log kept two years. Leaking personal data you got through your job is a crime, not just a fine. And working-time records must physically be at the Slovenian workplace, which no cloud contract fixes.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?	Two dates in the next twelve months matter most. On 19 December 2026 the cybersecurity duties bite for organisations newly captured by Slovenia's 2025 Information Security Act — registration, security measures and the incident clocks. On 12 January 2027 the European Data Act bans all cloud switching and data export fees. Behind both sits the roll-out of the national health record system, whose ban on storing data outside Slovenia is already law but whose timetable we could not pin down.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 — Zakon o digitalizaciji zdravstva (ZDigZ) All industries — Zakon o spremembah in dopolnitvah Zakona o evidencah na področju dela in socialne varnosti (ZEPDSV-A)	All industries — Zakon o računovodstvu Government — Zakon o državnoj informacijskoj infrastrukturi Health and social care — Zakon o podacima i informacijama u zdravstvu