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Free card · Edition 1

Where your data lives: the data location check

An audit you run on your own business: for each service that holds the business's data, who provides it, where that company is based, where the data is stored, and which law can reach it. Have your bills and each service's admin pages open.

Download the PDF

A two-page A4 PDF to print and keep, free, with no email asked for. Edition 1, November 2026, reviewed every 12 months.

Who it is for

Who the card is for

For any UK business that wants to know, in writing, where its data actually is. You list each service that holds the business's data, from email to the CRM, and record who provides it, where that company is based, where the data is stored and which law can reach it. The card explains the UK GDPR rules on international transfers and the US law that applies to US-based providers, plainly and from the texts themselves.

What it covers

4 parts, on two pages

  1. 01Fill in one row per service
  2. 02What UK GDPR says about transfers
  3. 03Which law can reach it
  4. 04What to do with the answers
The card

Read it here

The same words as the PDF, with its sources at the end.

Fill in one row per service

Each provider’s own pages say where it is registered and where it stores data: look for its data processing agreement, its list of sub-processors and any page on data location or residency. “Not stated” is an answer worth writing down.

ServiceProviderCompany based inData stored inTransfer covered byLaw that can reach it
Email
Files and documents
Calendars and contacts
Accounts and passwords
Backups
Phones and voicemail
Website and forms
CRM and customer records
Accounting and payroll
Anything else

What UK GDPR says about transfers

  • A restricted transfer happens when UK GDPR applies to your processing, you initiate the transfer to an organisation outside the UK, and that organisation is a separate legal entity. Making data accessible to it counts, as well as sending it [1].
  • Every restricted transfer must be covered by UK adequacy regulations, by an appropriate safeguard such as the International Data Transfer Agreement or the Addendum, with a transfer risk assessment, or by an exception [1].
  • The EEA is covered by adequacy. Every EU country, Iceland, Norway and Liechtenstein has full UK adequacy, and so do others, Switzerland among them [2]. Your other UK GDPR duties still apply [1].
  • The United States is covered in part. The UK Extension to the EU-US Data Privacy Framework, the “UK-US data bridge”, has been in force since 12 October 2023 [3]. It covers only a US business with an active entry on the Data Privacy Framework list that has self-certified to the UK Extension, for the kind of data you send [4]. For any other US recipient you need a safeguard or an exception [1].

Which law can reach it

Where the data is stored is half the answer. US law requires a provider of electronic communication or remote computing services to meet its obligations to preserve or disclose a customer’s communications and records in its “possession, custody, or control”, whether they are “located within or outside of the United States” [5]. That section, 18 U.S.C. § 2713, was added by the CLOUD Act on 23 March 2018 [5].

The test is possession, custody or control, not location. So for a US-based provider, a data centre in the UK or the EU changes where the data sits, and the section still applies to the provider. Write down where the company is based as well as where the data is stored. This is what the law says, not a finding about any provider.

What to do with the answers

  • For each service outside the UK and the EEA, write down what covers the transfer. If it is the UK-US data bridge, check the provider’s entry on the Data Privacy Framework list [4].
  • Mark any sensitive data. The framework’s idea of sensitive data is narrower than UK GDPR’s: genetic and biometric data, data about sexual orientation and criminal offence data must be marked as sensitive before they are sent [4].
  • Keep the completed check with your data protection records. Review it once a year, and whenever you add a service.
  • If you would rather keep the data in the UK or the EEA, the companion card lists what to prepare before a move: dacros.com/resources/eu-hosted-services-readiness-checklist

This card is general information, not legal advice.

Sources

Questions

The things people ask

Is it against the law to use a provider outside the UK?

No. UK GDPR allows a restricted transfer when it is covered by UK adequacy regulations, by an appropriate safeguard such as the International Data Transfer Agreement, or by an exception. The check helps you find out which one applies to each of your services.

If a US-based provider stores my data in the UK or the EU, does only UK or EU law apply?

Not necessarily. Under 18 U.S.C. § 2713, added by the CLOUD Act in 2018, a provider of these services must meet its obligations under US law to preserve or disclose data in its possession, custody or control, whether the data is located inside or outside the United States. That is why the card asks where the company is based as well as where the data is stored.

What is the UK-US data bridge?

The UK Extension to the EU-US Data Privacy Framework, in force since 12 October 2023. It covers transfers only to US organisations that have self-certified to the framework and to the UK Extension, with an active entry on the Data Privacy Framework list. For any other US recipient you need an appropriate safeguard or an exception.

After the card

Where to go next

Would you rather have it done for you? The free review, done remotely: what you run, what is exposed, and where the risk actually sits, written down. The document is yours regardless of what happens next. Book the free review.

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