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Countries

TaiwanChecked 18 August 2026

Depends on your industryWork: HighEnforcement: Active

In one paragraph: Taiwan lets personal data leave the country freely unless the ministry that regulates your industry has issued an order stopping it. There is no single privacy regulator: each industry ministry polices its own sector, and each has written its own security and breach-reporting rules. A big reform that would create one national regulator was passed in November 2025 but has never been switched on.
The catch: The relaxed headline stops being true the moment you touch health records, national health insurance data, banking or telecoms. Hospital data held in the cloud must physically sit in Taiwan. National health insurance records cannot be released to any organisation set up outside Taiwan at all. Banks need the financial regulator's permission before major consumer-finance systems go offshore, and must keep a backup of important customer data in Taiwan if they do.
Does this apply to me?: Yes. Taiwan's privacy law reaches a foreign company with no office and no staff in Taiwan. The law says plainly that it also applies to organisations outside Taiwan that collect, process or use the personal data of Taiwanese people. There is no revenue or headcount threshold to fall below, and the law does not require you to appoint a local representative.High confidence
Can the data leave the country?: In general, yes. Taiwan's privacy law does not ask you to sign anything or get anyone's permission before sending personal data abroad. Instead it gives each industry ministry the power to order that data in its sector may not go to a particular country. But four sectors have real walls, and in two of them the wall is absolute.High confidence
What do I have to do to send it abroad?: Under the general law, nothing. No standard contract, no government approval, no adequacy finding, no consent form. The model is a blocklist run sector by sector: you may send data anywhere unless the ministry that supervises your industry has issued an order stopping it. Your real job is to find out which ministry supervises you and check whether it has issued one.High confidence
Who enforces this — and are they actually working?: There is no national privacy regulator in Taiwan today. A Personal Data Protection Commission is named in the law as the authority in charge, but that provision has never been switched on, the law creating the Commission is still only a bill, and what exists is a preparatory office that writes draft rules and cannot fine anyone. Enforcement is done instead by whichever ministry regulates your industry, plus city and county governments, and those bodies are genuinely active.High confidence
How long must I keep it, and when must I delete it?: Both directions apply, and the floors are set by other laws, not the privacy law. Accounting vouchers must be kept at least five years and account books and financial statements at least ten years. Medical records must be kept at least seven years, and for children until seven years after they turn eighteen; records from human trials must be kept forever. Going the other way, you must delete personal data once the purpose you collected it for has gone or the period you set has run out.High confidence
What happens when something goes wrong?: Count at least three clocks, and the fastest is one hour. Telecoms companies and larger internet providers must tell the communications regulator within one hour of learning about a major personal data incident, then file a full report within seventy-two hours. Government bodies and designated critical infrastructure operators also have one hour, under the separate cyber security law. Financial firms get seventy-two hours. And under the privacy law itself you must tell the affected people once you have established the facts, with no fixed deadline attached.High confidence
What's the trap?: Five things that will cost someone their weekend. First, the official English text of the privacy law on the government's own website includes provisions that are not law yet, including the one naming the national regulator. Second, breaking a cross-border transfer order is a crime, not a fine — up to five years in prison. Third, there is no single regulator to ask; your duties depend on which ministry supervises you. Fourth, a bank asked for Taiwanese customer data by a foreign financial regulator must get Taiwan's regulator's permission first. Fifth, if you are sued, you have to prove you were not at fault.High confidence
What's about to change?: One thing has already landed and one is waiting on a switch. The National Health Insurance Data Management Act came into force on 10 August 2026, and it gives people a short window to opt their health records out of research use before silence counts as agreement. Separately, the big privacy reform passed in November 2025 is sitting on the shelf: the Cabinet can bring it into force whenever it likes, by a single order, with no consultation.High confidence
Hardest industry wall: Health and social care — 醫療機構電子病歷製作及管理辦法 (Regulations Governing the Production and Management of Electronic Medical Records by Medical Institutions)
Health and social care — 全民健康保險資料管理條例 (National Health Insurance Data Management Act)
Banking — 金融機構作業委託他人處理內部作業制度及程序辦法 (Regulations Governing Internal Operating Systems and Procedures for the Outsourcing of Financial Institution Operation)

GermanyChecked 18 August 2026

Yes, with paperworkWork: HighEnforcement: Active

In one paragraph: Contrary to widespread belief, neither Europe nor Germany requires personal data to be stored in Europe. What the law requires is a valid legal instrument before data leaves — an official decision that the destination is safe enough, or a standard contract, plus a documented risk assessment. Germany then adds its own layer on top, and one genuine hard wall: health and social data may only be processed in the cloud within Europe, by a provider holding a specific German security certificate.
The catch: 'Germany doesn't require local storage' is true right up until you sell to a hospital, a health insurer, a doctor, a lawyer or a tax adviser. In health and social care it is simply false, and for the professional-secrecy trades a standard data processing agreement is not enough and getting it wrong is a criminal matter.
Does this apply to me?: Yes, it reaches you with no office in Germany. Europe's privacy law applies to any organisation anywhere that offers goods or services to people in Europe or monitors their behaviour. If you have no European establishment you must also appoint a representative inside Europe.High confidence
Can the data leave the country?: Yes — with paperwork. This is the single most misunderstood point in the field. European law does not say where data must sit; it says what you must have in place before it leaves Europe. Storage location is a risk factor in that assessment, never a prohibition. For non-personal data, Europe goes further and actually forbids member states from imposing storage-location rules.High confidence
What do I have to do to send it abroad?: One of three routes. Best case, the destination is on Europe's official 'adequate' list and you need nothing extra — currently 17 entries including the UK, Japan, South Korea, Switzerland, Canada for commercial bodies, Brazil since January 2026, and the United States but only for companies self-certified under the EU-US Data Privacy Framework. Otherwise you sign Europe's standard contract clauses, or get group-wide internal rules approved. In either of those two cases you must also document an assessment of whether the destination country's surveillance laws undermine the protection.High confidence
Who enforces this — and are they actually working?: Eighteen separate authorities, and for a private company it is almost never the federal one. Each of the 16 states has its own regulator, and you answer to the one where your German office is. The federal regulator handles government bodies plus telecoms and postal operators. Bavaria splits it further, with different bodies for private and public sector. If you operate across Europe, a separate rule lets you deal mainly with the regulator where your main European establishment sits.High confidence
How long must I keep it, and when must I delete it?: Business records have a floor: accounting vouchers must be kept 8 years (cut from 10 with effect from 2025, and from 2026 for banks and insurers), the annual accounts and trading books still 10 years, and business correspondence 6 years. Privacy law pushes the other way — don't keep personal data longer than you need it. Where the two collide, German law has an elegant answer: you restrict processing of the data instead of deleting it.High confidence
What happens when something goes wrong?: 72 hours to tell your state regulator about a personal data breach, and without undue delay to tell affected people where the risk to them is high. Separately, since December 2025 Germany's cybersecurity law adds its own clocks for around 29,500 in-scope companies: a first warning within 24 hours, an update at 72 hours, and a full report within a month. Financial firms follow a separate European regime instead.High confidence
What's the trap?: Four. (1) Health and social data really does have to stay in Europe, with a specific German security certificate — the general 'no localisation' answer is wrong here. (2) For doctors, lawyers, tax advisers and notaries, a standard data processing agreement is NOT enough: you need explicit secrecy undertakings flowed down to every subcontractor, and breach is a criminal offence, not a fine. (3) Germany still requires a data protection officer at just 20 employees involved in data processing — far stricter than European law, and still in force despite a government promise to scrap it by the end of 2026. (4) The German rule people cite for employee data was effectively struck down by Europe's top court in 2023 but never removed from the statute book, so citing it as your legal basis is a mistake.High confidence
What's about to change?: Two hard dates and one live risk. From 12 January 2027 every cloud provider must drop switching and data egress fees to zero — renegotiate contracts now. By 31 December 2026 Germany's banking IT rulebook is fully withdrawn in favour of the European financial regime. The live risk is the US arrangement: Europe's data protection board formally asked the Commission on 31 July 2026 to review whether it is still valid, and a separate court appeal is pending. If it falls, thousands of transfers move to standard contracts overnight.High confidence
Hardest industry wall: Health and social care — § 393 SGB V — Cloud-Einsatz im Gesundheitswesen
Telecoms — §§ 175–181 TKG — Vorratsdatenspeicherung

The eight framework questions answered for each selected country
Question	TaiwanChecked 18 August 2026	GermanyChecked 18 August 2026
The three ratings	Depends on your industry Work: High Enforcement: Active	Yes, with paperwork Work: High Enforcement: Active
In one paragraph	Taiwan lets personal data leave the country freely unless the ministry that regulates your industry has issued an order stopping it. There is no single privacy regulator: each industry ministry polices its own sector, and each has written its own security and breach-reporting rules. A big reform that would create one national regulator was passed in November 2025 but has never been switched on.	Contrary to widespread belief, neither Europe nor Germany requires personal data to be stored in Europe. What the law requires is a valid legal instrument before data leaves — an official decision that the destination is safe enough, or a standard contract, plus a documented risk assessment. Germany then adds its own layer on top, and one genuine hard wall: health and social data may only be processed in the cloud within Europe, by a provider holding a specific German security certificate.
The catch	The relaxed headline stops being true the moment you touch health records, national health insurance data, banking or telecoms. Hospital data held in the cloud must physically sit in Taiwan. National health insurance records cannot be released to any organisation set up outside Taiwan at all. Banks need the financial regulator's permission before major consumer-finance systems go offshore, and must keep a backup of important customer data in Taiwan if they do.	'Germany doesn't require local storage' is true right up until you sell to a hospital, a health insurer, a doctor, a lawyer or a tax adviser. In health and social care it is simply false, and for the professional-secrecy trades a standard data processing agreement is not enough and getting it wrong is a criminal matter.
Does this apply to me?	Yes. Taiwan's privacy law reaches a foreign company with no office and no staff in Taiwan. The law says plainly that it also applies to organisations outside Taiwan that collect, process or use the personal data of Taiwanese people. There is no revenue or headcount threshold to fall below, and the law does not require you to appoint a local representative.High confidence	Yes, it reaches you with no office in Germany. Europe's privacy law applies to any organisation anywhere that offers goods or services to people in Europe or monitors their behaviour. If you have no European establishment you must also appoint a representative inside Europe.High confidence
Can the data leave the country?	In general, yes. Taiwan's privacy law does not ask you to sign anything or get anyone's permission before sending personal data abroad. Instead it gives each industry ministry the power to order that data in its sector may not go to a particular country. But four sectors have real walls, and in two of them the wall is absolute.High confidence	Yes — with paperwork. This is the single most misunderstood point in the field. European law does not say where data must sit; it says what you must have in place before it leaves Europe. Storage location is a risk factor in that assessment, never a prohibition. For non-personal data, Europe goes further and actually forbids member states from imposing storage-location rules.High confidence
What do I have to do to send it abroad?	Under the general law, nothing. No standard contract, no government approval, no adequacy finding, no consent form. The model is a blocklist run sector by sector: you may send data anywhere unless the ministry that supervises your industry has issued an order stopping it. Your real job is to find out which ministry supervises you and check whether it has issued one.High confidence	One of three routes. Best case, the destination is on Europe's official 'adequate' list and you need nothing extra — currently 17 entries including the UK, Japan, South Korea, Switzerland, Canada for commercial bodies, Brazil since January 2026, and the United States but only for companies self-certified under the EU-US Data Privacy Framework. Otherwise you sign Europe's standard contract clauses, or get group-wide internal rules approved. In either of those two cases you must also document an assessment of whether the destination country's surveillance laws undermine the protection.High confidence
Who enforces this — and are they actually working?	There is no national privacy regulator in Taiwan today. A Personal Data Protection Commission is named in the law as the authority in charge, but that provision has never been switched on, the law creating the Commission is still only a bill, and what exists is a preparatory office that writes draft rules and cannot fine anyone. Enforcement is done instead by whichever ministry regulates your industry, plus city and county governments, and those bodies are genuinely active.High confidence	Eighteen separate authorities, and for a private company it is almost never the federal one. Each of the 16 states has its own regulator, and you answer to the one where your German office is. The federal regulator handles government bodies plus telecoms and postal operators. Bavaria splits it further, with different bodies for private and public sector. If you operate across Europe, a separate rule lets you deal mainly with the regulator where your main European establishment sits.High confidence
How long must I keep it, and when must I delete it?	Both directions apply, and the floors are set by other laws, not the privacy law. Accounting vouchers must be kept at least five years and account books and financial statements at least ten years. Medical records must be kept at least seven years, and for children until seven years after they turn eighteen; records from human trials must be kept forever. Going the other way, you must delete personal data once the purpose you collected it for has gone or the period you set has run out.High confidence	Business records have a floor: accounting vouchers must be kept 8 years (cut from 10 with effect from 2025, and from 2026 for banks and insurers), the annual accounts and trading books still 10 years, and business correspondence 6 years. Privacy law pushes the other way — don't keep personal data longer than you need it. Where the two collide, German law has an elegant answer: you restrict processing of the data instead of deleting it.High confidence
What happens when something goes wrong?	Count at least three clocks, and the fastest is one hour. Telecoms companies and larger internet providers must tell the communications regulator within one hour of learning about a major personal data incident, then file a full report within seventy-two hours. Government bodies and designated critical infrastructure operators also have one hour, under the separate cyber security law. Financial firms get seventy-two hours. And under the privacy law itself you must tell the affected people once you have established the facts, with no fixed deadline attached.High confidence	72 hours to tell your state regulator about a personal data breach, and without undue delay to tell affected people where the risk to them is high. Separately, since December 2025 Germany's cybersecurity law adds its own clocks for around 29,500 in-scope companies: a first warning within 24 hours, an update at 72 hours, and a full report within a month. Financial firms follow a separate European regime instead.High confidence
What's the trap?	Five things that will cost someone their weekend. First, the official English text of the privacy law on the government's own website includes provisions that are not law yet, including the one naming the national regulator. Second, breaking a cross-border transfer order is a crime, not a fine — up to five years in prison. Third, there is no single regulator to ask; your duties depend on which ministry supervises you. Fourth, a bank asked for Taiwanese customer data by a foreign financial regulator must get Taiwan's regulator's permission first. Fifth, if you are sued, you have to prove you were not at fault.High confidence	Four. (1) Health and social data really does have to stay in Europe, with a specific German security certificate — the general 'no localisation' answer is wrong here. (2) For doctors, lawyers, tax advisers and notaries, a standard data processing agreement is NOT enough: you need explicit secrecy undertakings flowed down to every subcontractor, and breach is a criminal offence, not a fine. (3) Germany still requires a data protection officer at just 20 employees involved in data processing — far stricter than European law, and still in force despite a government promise to scrap it by the end of 2026. (4) The German rule people cite for employee data was effectively struck down by Europe's top court in 2023 but never removed from the statute book, so citing it as your legal basis is a mistake.High confidence
What's about to change?	One thing has already landed and one is waiting on a switch. The National Health Insurance Data Management Act came into force on 10 August 2026, and it gives people a short window to opt their health records out of research use before silence counts as agreement. Separately, the big privacy reform passed in November 2025 is sitting on the shelf: the Cabinet can bring it into force whenever it likes, by a single order, with no consultation.High confidence	Two hard dates and one live risk. From 12 January 2027 every cloud provider must drop switching and data egress fees to zero — renegotiate contracts now. By 31 December 2026 Germany's banking IT rulebook is fully withdrawn in favour of the European financial regime. The live risk is the US arrangement: Europe's data protection board formally asked the Commission on 31 July 2026 to review whether it is still valid, and a separate court appeal is pending. If it falls, thousands of transfers move to standard contracts overnight.High confidence
Hardest industry wall	Health and social care — 醫療機構電子病歷製作及管理辦法 (Regulations Governing the Production and Management of Electronic Medical Records by Medical Institutions) Health and social care — 全民健康保險資料管理條例 (National Health Insurance Data Management Act) Banking — 金融機構作業委託他人處理內部作業制度及程序辦法 (Regulations Governing Internal Operating Systems and Procedures for the Outsourcing of Financial Institution Operation)	Health and social care — § 393 SGB V — Cloud-Einsatz im Gesundheitswesen Telecoms — §§ 175–181 TKG — Vorratsdatenspeicherung