Lead-in to PIPA law is not too lengthy

Published: 22 Jun 2023
Type: Insight

Last Friday in the House of Assembly, the Government introduced amending legislation required to bring Bermuda’s 2016 privacy laws into effect on January 1, 2025. That may seem like a long ramp-up period to some, but it is not.

Bermuda’s Personal Information Protection Act 2016 (PIPA) sets out a comprehensive regime to protect a broad range of personal information, including information – among all other details about an identified or identifiable individual – that may disclose an individual’s address and contact information, family status, financial circumstances, and their physical and mental health.

As important as it is for many organisations and businesses to use and rely upon personal information to carry on business, it is also vital to ensure that such information is protected and not wrongfully exploited.

  • Understand both the privacy rights of individuals and the obligations and requirements of their organisations under PIPA
  • Develop a critical path to adopt and implement the compliance measures and policies that will be required
  • Train their personnel in the systems, activities and procedures that must soon be adopted and implemented to ensure their compliant use of personal information

Many organisations have diligently begun that compliance development process and will benefit from their head start. Others, some of whom have complex operations that are highly dependent on personal information, now have a fixed date for compliance that will likely be motivational.

Friday’s introduction of PIPA’s amending legislation was just the beginning of PIPA’s implementation. Although those amendments are designed to harmonise PIPA with the laws that allow the public to access government information, the Electronic Transactions Act 1999 also contains various privacy provisions that I suspect may also require some harmonisation in the months ahead.

Perhaps one of the greatest benefits that the 18-month lead-time will provide is the time that it will afford the Privacy Commissioner to publish his much anticipated Guide to PIPA that was announced last week, and that is promised to contain “dozens of pages of tips, checklists and other pieces of advice” that will provide welcomed compliance guidance to encourage and facilitate PIPA preparedness.

To learn more about PIPA, listen to our recent Bermuda Shorts ‘Tech Talks’ podcast on Bermuda’s privacy law.

First Published in The Royal Gazette, Legally Speaking column, June 2023

Share
More publications
Appleby-Website-Insurance-and-Reinsurance
1 Apr 2026

Q1’26 Suggests Cat Bond Issuance Could Reach $20bn Again, Private ILS & Sidecar Surge to Continue

It’s been an exceptionally busy start to the year for the catastrophe bond sector, with Q1’26 officially becoming the second highest Q1 on record in terms of total catastrophe bond issuance, which indicates that 2026 could end up reaching the $20 billion+ milestone once again, Brad Adderley, Managing Partner at law firm Appleby has said.

Trust Disputes
27 Mar 2026

Privy Council decision in X Trusts – redefining the role of the protector

On 19 March 2026, the Judicial Committee of the Privy Council (JCPC) delivered its long-awaited judgment regarding the role of a fiduciary protector in the administration of a trust (A and 6 others (Appellants) v C and 13 others (Respondents) [2026] UKPC 11, on appeal from the Court of Appeal of Bermuda). The decision of the JCPC was unanimous, with the judgment being given by Lords Briggs and Richards.

Appleby-Website-Insurance-and-Reinsurance
26 Mar 2026

Latin American risks and the Bermuda market

Bermuda’s decades-long efforts to welcome Latin American risks to the island’s re/insurance market have borne fruit in the form of the many LatAm captive insurers that have become domiciled here.

Appleby-Website-Insurance-and-Reinsurance
24 Mar 2026

Navigating Bermuda’s New Recovery Planning Requirements: A Roadmap for Commercial Insurers

On 20 March 2026, the Bermuda Monetary Authority (BMA) issued an updated Guidance Note for Recovery Planning Requirements (Guidance Note). The Guidance Note assists Bermuda commercial insurers’ compliance with the obligations set out in the Insurance (Prudential Standards) (Recovery Plan) Rules 2024 (Rules), which became operative on 1 May 2025.

Appleby-Website-Private-Client-and-Trusts-Practice-1905px-x-1400px
13 Mar 2026

A will trust can keep a home in the family

In Bermuda, a family homestead represents more than financial value; it embodies ancestral heritage and housing security.

Appleby-Website-Employment-and-Immigration
12 Mar 2026

Privacy at Work: What PIPA Means for Bermuda Employers

The Personal Information Protection Act 2016 (PIPA), which came into force on 1 January 2025, represents Bermuda’s first comprehensive date protection regime. The legislation regulates the collection, use, disclosure and storage of personal information with the objective of protecting individuals’ privacy while allowing organisations to use data in a responsible and transparent manner. PIPA applies broadly to organisations operating in Bermuda, including employers. As a result, the employment relationship is one of the contexts in which the practical impact of PIPA is the most significant. Employers routinely process large volumes of personal information relating to employees and job applicants, and PIPA imposes obligations that affect recruitment, workplace monitoring, record-keeping, and disciplinary processes.

IWD website preview
9 Mar 2026

International Women’s Day 2026 Roundtable: Rights. Justice. Action. For all women and girls.

As we recognise International Women’s Day 2025, we are reminded that gender equality is not just a vision – it’s a call to action.

Dispute Resolution
4 Mar 2026

Bermuda: An Overview of Insurance: Contentious

There has been a recent increase in policyholder disputes involving coverage challenges by (re)insurers in the context of Bermuda high-value, excess-of-loss policies. This is, in part, due to Bermuda’s commercial (re)insurers facing a marked and sustained rise in the volume of claims, incurring claims costs globally of BMD1.1 trillion from 2016 through 2024. The massive volume and quantum of claims can be attributed in part to the significance of the Bermuda (re)insurance market in the global economy, as well as Bermuda’s exposure to catastrophic losses caused by natural disasters over this period. Bermuda’s increased exposure to global (re)insurance risks has naturally resulted in an increase in complex claims and coverage disputes.

Employment-and-Immigration
27 Feb 2026

Pay transparency heading Bermuda’s way?

The culture of secrecy with respect to pay traditionally found in workplaces may soon experience a shift, as global lawmakers and governments have enacted or moved toward enacting legislation to mandate greater pay transparency.

Appleby-Website-Insurance-and-Reinsurance
27 Feb 2026

Bermuda Monetary Authority: Modern, Thoughtful and Competitive

The Bermuda Monetary Authority (BMA) has signaled a clear direction for the future of insurance supervision in Bermuda by the release of its latest Notice on Regulatory Burden Reduction for Better Policyholder Outcomes (Notice).