{ "name": "The law on a restoration firm's photos, files and claims", "title": "The law on a restoration firm's photos, files and claims", "kind": "terms-board", "url": "https://sellrestorationdatatoai.com/datasets/restoration-records-sale-law/", "csv": "https://sellrestorationdatatoai.com/datasets/restoration-records-sale-law.csv", "markdown": "https://sellrestorationdatatoai.com/datasets/restoration-records-sale-law/index.md", "computed_at": "2026-10-31", "license": "https://sellrestorationdatatoai.com/terms", "headline": "4 of 14 texts read say personal details must come out, or a lawful basis must exist, before a restoration firm's records are reused, newest read 31 October 2026.", "quotes": [ "4 of 14 texts read say personal details must come out, or a lawful basis must exist, before a restoration firm's records are reused, newest read 31 October 2026.", "What the provision is about, by provision: who owns a photograph or other work 5 of 14, when information about a person, such as a photo of their home, is personal data 3 of 14, an insurer's customer information 3 of 14, a homeowner assigning insurance benefits to a contractor 1 of 14, the grounds for using personal data 1 of 14, what only a work's owner may do 1 of 14 (14 provisions, read 31 October 2026).", "What it means for licensing the firm's records, by provision: defines the terms the rules use 4 of 14, personal details must come out, or a basis must exist 4 of 14, decides who owns the record 3 of 14, the information belongs with someone else, such as the insurer 2 of 14, varies 1 of 14 (14 provisions, read 31 October 2026).", "What it says, in its own words, by provision: stated 14 of 14 (14 provisions, read 31 October 2026)." ], "citation": "\"The law on a restoration firm's photos, files and claims\", updated 2026-10-31, https://sellrestorationdatatoai.com/datasets/restoration-records-sale-law/.", "national": { "n": 14, "unit": "provisions", "documents": 15, "published_sources": 14, "named_sources": 15 }, "board": { "type": "clauses", "noun": { "one": "provision", "many": "provisions" }, "document": { "one": "text", "many": "texts" }, "fields": [ { "id": "topic", "label": "What the provision is about", "counts": { "insurer-information": 3, "photo-ownership": 5, "owner-rights": 1, "claim-assignment": 1, "home-photos-as-personal-data": 3, "lawful-basis": 1 }, "values": [ { "value": "photo-ownership", "text": "who owns a photograph or other work" }, { "value": "owner-rights", "text": "what only a work's owner may do" }, { "value": "home-photos-as-personal-data", "text": "when information about a person, such as a photo of their home, is personal data" }, { "value": "lawful-basis", "text": "the grounds for using personal data" }, { "value": "insurer-information", "text": "an insurer's customer information" }, { "value": "claim-assignment", "text": "a homeowner assigning insurance benefits to a contractor" } ] }, { "id": "bearing", "label": "What it means for licensing the firm's records", "counts": { "not-the-firms": 2, "defines-terms": 4, "decides-ownership": 3, "varies": 1, "must-strip-or-justify": 4 }, "values": [ { "value": "decides-ownership", "text": "decides who owns the record" }, { "value": "must-strip-or-justify", "text": "personal details must come out, or a basis must exist" }, { "value": "not-the-firms", "text": "the information belongs with someone else, such as the insurer" }, { "value": "defines-terms", "text": "defines the terms the rules use" } ] }, { "id": "text", "label": "What it says, in its own words", "counts": { "stated": 14 }, "values": [ { "value": "stated", "text": "stated" } ], "clause": true } ], "lead": { "type": "share", "field": "bearing", "value": "must-strip-or-justify", "n": 4, "of": 14, "label": "Provisions saying personal details come out first" }, "vendors": [ { "name": "15 U.S.C. 6801", "answers": { "topic": { "value": "insurer-information", "text": "an insurer's customer information", "documents": [ { "document": "Protection of nonpublic personal information", "url": "https://www.law.cornell.edu/uscode/text/15/6801", "value": "insurer-information", "quote": "each financial institution has an affirmative and continuing obligation to respect the privacy of its customers" } ] }, "bearing": { "value": "not-the-firms", "text": "the information belongs with someone else, such as the insurer", "documents": [ { "document": "Protection of nonpublic personal information", "url": "https://www.law.cornell.edu/uscode/text/15/6801", "value": "not-the-firms", "quote": "to protect the security and confidentiality of those customers’ nonpublic personal information" } ] }, "text": { "value": "stated", "text": "It is the policy of the Congress that each financial institution has an affirmative and…", "documents": [ { "document": "Protection of nonpublic personal information", "url": "https://www.law.cornell.edu/uscode/text/15/6801", "value": "stated", "quote": "It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers" } ] } } }, { "name": "15 U.S.C. 6809", "answers": { "topic": { "value": "insurer-information", "text": "an insurer's customer information", "documents": [ { "document": "Definitions, financial institution and nonpublic personal information", "url": "https://www.law.cornell.edu/uscode/text/15/6809", "value": "insurer-information", "quote": "The term “nonpublic personal information” means personally identifiable financial information" } ] }, "bearing": { "value": "defines-terms", "text": "defines the terms the rules use", "documents": [ { "document": "Definitions, financial institution and nonpublic personal information", "url": "https://www.law.cornell.edu/uscode/text/15/6809", "value": "defines-terms", "quote": "The term “nonpublic personal information” means personally identifiable financial information" } ] }, "text": { "value": "stated", "text": "The term “nonpublic personal information” means personally identifiable financial…", "documents": [ { "document": "Definitions, financial institution and nonpublic personal information", "url": "https://www.law.cornell.edu/uscode/text/15/6809", "value": "stated", "quote": "The term “nonpublic personal information” means personally identifiable financial information" } ] } } }, { "name": "17 U.S.C. 101", "answers": { "topic": { "value": "photo-ownership", "text": "who owns a photograph or other work", "documents": [ { "document": "Definitions, pictorial and graphic works", "url": "https://www.law.cornell.edu/uscode/text/17/101", "value": "photo-ownership", "quote": "“Pictorial, graphic, and sculptural works” include two-dimensional and three-dimensional works of fine, graphic, and applied art, photographs" } ] }, "bearing": { "value": "defines-terms", "text": "defines the terms the rules use", "documents": [ { "document": "Definitions, pictorial and graphic works", "url": "https://www.law.cornell.edu/uscode/text/17/101", "value": "defines-terms", "quote": "“Pictorial, graphic, and sculptural works” include two-dimensional and three-dimensional works of fine, graphic, and applied art, photographs" } ] }, "text": { "value": "stated", "text": "“Pictorial, graphic, and sculptural works” include two-dimensional and three-dimensional…", "documents": [ { "document": "Definitions, pictorial and graphic works", "url": "https://www.law.cornell.edu/uscode/text/17/101", "value": "stated", "quote": "“Pictorial, graphic, and sculptural works” include two-dimensional and three-dimensional works of fine, graphic, and applied art, photographs" } ] } } }, { "name": "17 U.S.C. 106", "answers": { "topic": { "value": "owner-rights", "text": "what only a work's owner may do", "documents": [ { "document": "Exclusive rights in copyrighted works", "url": "https://www.law.cornell.edu/uscode/text/17/106", "value": "owner-rights", "quote": "Subject to sections 107 through 122, the owner of copyright under this title has the exclusive rights to do and to authorize any of the following:" } ] }, "bearing": { "value": "decides-ownership", "text": "decides who owns the record", "documents": [ { "document": "Exclusive rights in copyrighted works", "url": "https://www.law.cornell.edu/uscode/text/17/106", "value": "decides-ownership", "quote": "Subject to sections 107 through 122, the owner of copyright under this title has the exclusive rights to do and to authorize any of the following:" } ] }, "text": { "value": "stated", "text": "Subject to sections 107 through 122, the owner of copyright under this title has the…", "documents": [ { "document": "Exclusive rights in copyrighted works", "url": "https://www.law.cornell.edu/uscode/text/17/106", "value": "stated", "quote": "Subject to sections 107 through 122, the owner of copyright under this title has the exclusive rights to do and to authorize any of the following:" } ] } } }, { "name": "17 U.S.C. 201", "answers": { "topic": { "value": "photo-ownership", "text": "who owns a photograph or other work", "documents": [ { "document": "Ownership of copyright, works made for hire", "url": "https://www.law.cornell.edu/uscode/text/17/201", "value": "photo-ownership", "quote": "In the case of a work made for hire, the employer or other person for whom the work was prepared is considered the author for purposes of this title" } ] }, "bearing": { "value": "decides-ownership", "text": "decides who owns the record", "documents": [ { "document": "Ownership of copyright, works made for hire", "url": "https://www.law.cornell.edu/uscode/text/17/201", "value": "decides-ownership", "quote": "In the case of a work made for hire, the employer or other person for whom the work was prepared is considered the author for purposes of this title" } ] }, "text": { "value": "stated", "text": "In the case of a work made for hire, the employer or other person for whom the work was…", "documents": [ { "document": "Ownership of copyright, works made for hire", "url": "https://www.law.cornell.edu/uscode/text/17/201", "value": "stated", "quote": "In the case of a work made for hire, the employer or other person for whom the work was prepared is considered the author for purposes of this title" } ] } } }, { "name": "CDPA 1988 s 11", "answers": { "topic": { "value": "photo-ownership", "text": "who owns a photograph or other work", "documents": [ { "document": "First ownership of copyright", "url": "https://www.legislation.gov.uk/ukpga/1988/48/section/11", "value": "photo-ownership", "quote": "his employer is the first owner of any copyright in the work subject to any agreement to the contrary." } ] }, "bearing": { "value": "decides-ownership", "text": "decides who owns the record", "documents": [ { "document": "First ownership of copyright", "url": "https://www.legislation.gov.uk/ukpga/1988/48/section/11", "value": "decides-ownership", "quote": "his employer is the first owner of any copyright in the work subject to any agreement to the contrary." } ] }, "text": { "value": "stated", "text": "his employer is the first owner of any copyright in the work subject to any agreement to…", "documents": [ { "document": "First ownership of copyright", "url": "https://www.legislation.gov.uk/ukpga/1988/48/section/11", "value": "stated", "quote": "his employer is the first owner of any copyright in the work subject to any agreement to the contrary." } ] } } }, { "name": "CDPA 1988 s 4", "answers": { "topic": { "value": "photo-ownership", "text": "who owns a photograph or other work", "documents": [ { "document": "Artistic works, photographs", "url": "https://www.legislation.gov.uk/ukpga/1988/48/section/4", "value": "photo-ownership", "quote": "a graphic work, photograph, sculpture or collage, irrespective of artistic quality," } ] }, "bearing": { "value": "defines-terms", "text": "defines the terms the rules use", "documents": [ { "document": "Artistic works, photographs", "url": "https://www.legislation.gov.uk/ukpga/1988/48/section/4", "value": "defines-terms", "quote": "a graphic work, photograph, sculpture or collage, irrespective of artistic quality," } ] }, "text": { "value": "stated", "text": "a graphic work, photograph, sculpture or collage, irrespective of artistic quality,", "documents": [ { "document": "Artistic works, photographs", "url": "https://www.legislation.gov.uk/ukpga/1988/48/section/4", "value": "stated", "quote": "a graphic work, photograph, sculpture or collage, irrespective of artistic quality," } ] } } }, { "name": "CDPA 1988 s 9", "answers": { "topic": { "value": "photo-ownership", "text": "who owns a photograph or other work", "documents": [ { "document": "Authorship of work", "url": "https://www.legislation.gov.uk/ukpga/1988/48/section/9", "value": "photo-ownership", "quote": "In this Part “author”, in relation to a work, means the person who creates it." } ] }, "bearing": { "value": "defines-terms", "text": "defines the terms the rules use", "documents": [ { "document": "Authorship of work", "url": "https://www.legislation.gov.uk/ukpga/1988/48/section/9", "value": "defines-terms", "quote": "In this Part “author”, in relation to a work, means the person who creates it." } ] }, "text": { "value": "stated", "text": "In this Part “author”, in relation to a work, means the person who creates it.", "documents": [ { "document": "Authorship of work", "url": "https://www.legislation.gov.uk/ukpga/1988/48/section/9", "value": "stated", "quote": "In this Part “author”, in relation to a work, means the person who creates it." } ] } } }, { "name": "Federal Trade Commission", "answers": { "topic": { "value": "insurer-information", "text": "an insurer's customer information", "documents": [ { "document": "Gramm-Leach-Bliley Act business guidance", "url": "https://www.ftc.gov/business-guidance/privacy-security/gramm-leach-bliley-act", "value": "insurer-information", "quote": "to explain their information-sharing practices to their customers and to safeguard sensitive data." } ] }, "bearing": { "value": "not-the-firms", "text": "the information belongs with someone else, such as the insurer", "documents": [ { "document": "Gramm-Leach-Bliley Act business guidance", "url": "https://www.ftc.gov/business-guidance/privacy-security/gramm-leach-bliley-act", "value": "not-the-firms", "quote": "to explain their information-sharing practices to their customers and to safeguard sensitive data." } ] }, "text": { "value": "stated", "text": "to explain their information-sharing practices to their customers and to safeguard…", "documents": [ { "document": "Gramm-Leach-Bliley Act business guidance", "url": "https://www.ftc.gov/business-guidance/privacy-security/gramm-leach-bliley-act", "value": "stated", "quote": "to explain their information-sharing practices to their customers and to safeguard sensitive data." } ] } } }, { "name": "Florida Statutes 627.7152", "answers": { "topic": { "value": "claim-assignment", "text": "a homeowner assigning insurance benefits to a contractor", "documents": [ { "document": "Assignment agreements (2024)", "url": "https://www.flsenate.gov/Laws/Statutes/2024/627.7152", "value": "claim-assignment", "quote": "a policyholder may not assign, in whole or in part, any post-loss insurance benefit under any residential property insurance policy" }, { "document": "Assignment agreements (2023)", "url": "https://www.flsenate.gov/Laws/Statutes/2023/627.7152", "value": "claim-assignment", "quote": "“Assignee” means a person who is assigned post-loss benefits through an assignment agreement." } ] }, "bearing": { "value": "varies", "text": "varies by document", "documents": [ { "document": "Assignment agreements (2024)", "url": "https://www.flsenate.gov/Laws/Statutes/2024/627.7152", "value": "not-the-firms", "quote": "An attempt to assign post-loss property insurance benefits under such a policy is void, invalid, and unenforceable." }, { "document": "Assignment agreements (2023)", "url": "https://www.flsenate.gov/Laws/Statutes/2023/627.7152", "value": "defines-terms", "quote": "“Assignee” means a person who is assigned post-loss benefits through an assignment agreement." } ] }, "text": { "value": "stated", "text": "issued on or after January 1, 2023. An attempt to assign post-loss property insurance…", "documents": [ { "document": "Assignment agreements (2024)", "url": "https://www.flsenate.gov/Laws/Statutes/2024/627.7152", "value": "stated", "quote": "issued on or after January 1, 2023. An attempt to assign post-loss property insurance benefits under such a policy is void, invalid, and unenforceable." }, { "document": "Assignment agreements (2023)", "url": "https://www.flsenate.gov/Laws/Statutes/2023/627.7152", "value": "stated", "quote": "“Assignment agreement” means any instrument by which post-loss benefits under a residential property insurance policy or commercial property insurance policy" } ] } } }, { "name": "ICO", "answers": { "topic": { "value": "home-photos-as-personal-data", "text": "when information about a person, such as a photo of their home, is personal data", "documents": [ { "document": "What is personal data", "url": "https://ico.org.uk/for-organisations/uk-gdpr-guidance-and-resources/personal-information-what-is-it/what-is-personal-data/what-is-personal-data/", "value": "home-photos-as-personal-data", "quote": "That individual must be identified or identifiable either directly or indirectly from one or more identifiers or from factors specific to the individual." } ] }, "bearing": { "value": "must-strip-or-justify", "text": "personal details must come out, or a basis must exist", "documents": [ { "document": "What is personal data", "url": "https://ico.org.uk/for-organisations/uk-gdpr-guidance-and-resources/personal-information-what-is-it/what-is-personal-data/what-is-personal-data/", "value": "must-strip-or-justify", "quote": "That individual must be identified or identifiable either directly or indirectly from one or more identifiers or from factors specific to the individual." } ] }, "text": { "value": "stated", "text": "That individual must be identified or identifiable either directly or indirectly from one…", "documents": [ { "document": "What is personal data", "url": "https://ico.org.uk/for-organisations/uk-gdpr-guidance-and-resources/personal-information-what-is-it/what-is-personal-data/what-is-personal-data/", "value": "stated", "quote": "That individual must be identified or identifiable either directly or indirectly from one or more identifiers or from factors specific to the individual." } ] } } }, { "name": "UK GDPR Article 4", "answers": { "topic": { "value": "home-photos-as-personal-data", "text": "when information about a person, such as a photo of their home, is personal data", "documents": [ { "document": "Definitions", "url": "https://www.legislation.gov.uk/eur/2016/679/article/4", "value": "home-photos-as-personal-data", "quote": "in particular by reference to an identifier such as a name, an identification number, location data, an online identifier" } ] }, "bearing": { "value": "must-strip-or-justify", "text": "personal details must come out, or a basis must exist", "documents": [ { "document": "Definitions", "url": "https://www.legislation.gov.uk/eur/2016/679/article/4", "value": "must-strip-or-justify", "quote": "‘personal data’ means any information relating to an identified or identifiable natural person" } ] }, "text": { "value": "stated", "text": "‘personal data’ means any information relating to an identified or identifiable natural…", "documents": [ { "document": "Definitions", "url": "https://www.legislation.gov.uk/eur/2016/679/article/4", "value": "stated", "quote": "‘personal data’ means any information relating to an identified or identifiable natural person" } ] } } }, { "name": "UK GDPR Article 6", "answers": { "topic": { "value": "lawful-basis", "text": "the grounds for using personal data", "documents": [ { "document": "Lawfulness of processing", "url": "https://www.legislation.gov.uk/eur/2016/679/article/6", "value": "lawful-basis", "quote": "Processing shall be lawful only if and to the extent that at least one of the following applies:" } ] }, "bearing": { "value": "must-strip-or-justify", "text": "personal details must come out, or a basis must exist", "documents": [ { "document": "Lawfulness of processing", "url": "https://www.legislation.gov.uk/eur/2016/679/article/6", "value": "must-strip-or-justify", "quote": "Processing shall be lawful only if and to the extent that at least one of the following applies:" } ] }, "text": { "value": "stated", "text": "Processing shall be lawful only if and to the extent that at least one of the following…", "documents": [ { "document": "Lawfulness of processing", "url": "https://www.legislation.gov.uk/eur/2016/679/article/6", "value": "stated", "quote": "Processing shall be lawful only if and to the extent that at least one of the following applies:" } ] } } }, { "name": "UK GDPR Article 9", "answers": { "topic": { "value": "home-photos-as-personal-data", "text": "when information about a person, such as a photo of their home, is personal data", "documents": [ { "document": "Special categories of personal data", "url": "https://www.legislation.gov.uk/eur/2016/679/article/9", "value": "home-photos-as-personal-data", "quote": "data concerning health or data concerning a natural person's sex life or sexual orientation shall be prohibited." } ] }, "bearing": { "value": "must-strip-or-justify", "text": "personal details must come out, or a basis must exist", "documents": [ { "document": "Special categories of personal data", "url": "https://www.legislation.gov.uk/eur/2016/679/article/9", "value": "must-strip-or-justify", "quote": "data concerning health or data concerning a natural person's sex life or sexual orientation shall be prohibited." } ] }, "text": { "value": "stated", "text": "data concerning health or data concerning a natural person's sex life or sexual…", "documents": [ { "document": "Special categories of personal data", "url": "https://www.legislation.gov.uk/eur/2016/679/article/9", "value": "stated", "quote": "data concerning health or data concerning a natural person's sex life or sexual orientation shall be prohibited." } ] } } } ] }, "subject_kind": "provision", "rows": [ { "subject": "15 U.S.C. 6801", "url": "https://www.law.cornell.edu/uscode/text/15/6801", "document": "Protection of nonpublic personal information", "question": 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"15 U.S.C. 6809", "url": "https://www.law.cornell.edu/uscode/text/15/6809", "document": "Definitions, financial institution and nonpublic personal information", "question": "bearing", "answer": "defines-terms", "answer_text": "defines the terms the rules use", "status": "stated", "retrieved_at": "2026-10-27", "quote": "The term “nonpublic personal information” means personally identifiable financial information", "text_sha256": "c8bd890a863f2d6af20d368880ee99a6028ec21a2c7aca1950f9f3cbcbfe162c" }, { "subject": "15 U.S.C. 6809", "url": "https://www.law.cornell.edu/uscode/text/15/6809", "document": "Definitions, financial institution and nonpublic personal information", "question": "text", "answer": "stated", "answer_text": "The term “nonpublic personal information” means personally identifiable financial…", "status": "stated", "retrieved_at": "2026-10-27", "quote": "The term “nonpublic personal information” means personally identifiable financial information", "text_sha256": "c8bd890a863f2d6af20d368880ee99a6028ec21a2c7aca1950f9f3cbcbfe162c" }, { "subject": "17 U.S.C. 101", "url": "https://www.law.cornell.edu/uscode/text/17/101", "document": "Definitions, pictorial and graphic works", "question": "topic", "answer": "photo-ownership", "answer_text": "who owns a photograph or other work", "status": "stated", "retrieved_at": "2026-10-03", "quote": "“Pictorial, graphic, and sculptural works” include two-dimensional and three-dimensional works of fine, graphic, and applied art, photographs", "text_sha256": "60dcfb43762ed45147929d0140eadffbd82ff767734793408a6790895e06e2c1" }, { "subject": "17 U.S.C. 101", "url": "https://www.law.cornell.edu/uscode/text/17/101", "document": "Definitions, pictorial and graphic works", "question": "bearing", "answer": "defines-terms", "answer_text": "defines the terms the rules use", "status": "stated", "retrieved_at": "2026-10-03", "quote": "“Pictorial, graphic, and sculptural works” include two-dimensional and three-dimensional works of fine, graphic, and applied art, photographs", "text_sha256": "60dcfb43762ed45147929d0140eadffbd82ff767734793408a6790895e06e2c1" }, { "subject": "17 U.S.C. 101", "url": "https://www.law.cornell.edu/uscode/text/17/101", "document": "Definitions, pictorial and graphic works", "question": "text", "answer": "stated", "answer_text": "“Pictorial, graphic, and sculptural works” include two-dimensional and three-dimensional…", "status": "stated", "retrieved_at": "2026-10-03", "quote": "“Pictorial, graphic, and sculptural works” include two-dimensional and three-dimensional works of fine, graphic, and applied art, photographs", "text_sha256": "60dcfb43762ed45147929d0140eadffbd82ff767734793408a6790895e06e2c1" }, { "subject": "17 U.S.C. 106", "url": "https://www.law.cornell.edu/uscode/text/17/106", "document": "Exclusive rights in copyrighted works", "question": "topic", "answer": "owner-rights", "answer_text": "what only a work's owner may do", "status": "stated", "retrieved_at": "2026-10-08", "quote": "Subject to sections 107 through 122, the owner of copyright under this title has the exclusive rights to do and to authorize any of the following:", "text_sha256": "cc9d400206a48447a1b2b0148635ae64fba7bb561443777766e864adc630cc74" }, { "subject": "17 U.S.C. 106", "url": "https://www.law.cornell.edu/uscode/text/17/106", "document": "Exclusive rights in copyrighted works", "question": "bearing", "answer": "decides-ownership", "answer_text": "decides who owns the record", "status": "stated", "retrieved_at": "2026-10-08", "quote": "Subject to sections 107 through 122, the owner of copyright under this title has the exclusive rights to do and to authorize any of the following:", "text_sha256": "cc9d400206a48447a1b2b0148635ae64fba7bb561443777766e864adc630cc74" }, { "subject": "17 U.S.C. 106", "url": "https://www.law.cornell.edu/uscode/text/17/106", "document": "Exclusive rights in copyrighted works", "question": "text", "answer": "stated", "answer_text": "Subject to sections 107 through 122, the owner of copyright under this title has the…", "status": "stated", "retrieved_at": "2026-10-08", "quote": "Subject to sections 107 through 122, the owner of copyright under this title has the exclusive rights to do and to authorize any of the following:", "text_sha256": "cc9d400206a48447a1b2b0148635ae64fba7bb561443777766e864adc630cc74" }, { "subject": "17 U.S.C. 201", "url": "https://www.law.cornell.edu/uscode/text/17/201", "document": "Ownership of copyright, works made for hire", "question": "topic", "answer": "photo-ownership", "answer_text": "who owns a photograph or other work", "status": "stated", "retrieved_at": "2026-10-08", "quote": "In the case of a work made for hire, the employer or other person for whom the work was prepared is considered the author for purposes of this title", "text_sha256": "cab0c9c7ed3688beed0db73f0c5c58c3a4f0fda472de9440566080dd0a562afd" }, { "subject": "17 U.S.C. 201", "url": "https://www.law.cornell.edu/uscode/text/17/201", "document": "Ownership of copyright, works made for hire", "question": "bearing", "answer": "decides-ownership", "answer_text": "decides who owns the record", "status": "stated", "retrieved_at": "2026-10-08", "quote": "In the case of a work made for hire, the employer or other person for whom the work was prepared is considered the author for purposes of this title", "text_sha256": "cab0c9c7ed3688beed0db73f0c5c58c3a4f0fda472de9440566080dd0a562afd" }, { "subject": "17 U.S.C. 201", "url": "https://www.law.cornell.edu/uscode/text/17/201", "document": "Ownership of copyright, works made for hire", "question": "text", "answer": "stated", "answer_text": "In the case of a work made for hire, the employer or other person for whom the work was…", "status": "stated", "retrieved_at": "2026-10-08", "quote": "In the case of a work made for hire, the employer or other person for whom the work was prepared is considered the author for purposes of this title", "text_sha256": "cab0c9c7ed3688beed0db73f0c5c58c3a4f0fda472de9440566080dd0a562afd" }, { "subject": "CDPA 1988 s 11", "url": "https://www.legislation.gov.uk/ukpga/1988/48/section/11", "document": "First ownership of copyright", "question": "topic", "answer": "photo-ownership", "answer_text": "who owns a photograph or other work", "status": "stated", "retrieved_at": "2026-10-08", "quote": "his employer is the first owner of any copyright in the work subject to any agreement to the contrary.", "text_sha256": "e1b10366ea7821c3e9f50c97ec3bb359eab602e47d2d5704f25ace3596269c92" }, { "subject": "CDPA 1988 s 11", "url": "https://www.legislation.gov.uk/ukpga/1988/48/section/11", "document": "First ownership of copyright", "question": "bearing", "answer": "decides-ownership", "answer_text": "decides who owns the record", "status": "stated", "retrieved_at": "2026-10-08", "quote": "his employer is the first owner of any copyright in the work subject to any agreement to the contrary.", "text_sha256": "e1b10366ea7821c3e9f50c97ec3bb359eab602e47d2d5704f25ace3596269c92" }, { "subject": "CDPA 1988 s 11", "url": "https://www.legislation.gov.uk/ukpga/1988/48/section/11", "document": "First ownership of copyright", "question": "text", "answer": "stated", "answer_text": "his employer is the first owner of any copyright in the work subject to any agreement to…", "status": "stated", "retrieved_at": "2026-10-08", "quote": "his employer is the first owner of any copyright in the work subject to any agreement to the contrary.", "text_sha256": "e1b10366ea7821c3e9f50c97ec3bb359eab602e47d2d5704f25ace3596269c92" }, { "subject": "CDPA 1988 s 4", "url": "https://www.legislation.gov.uk/ukpga/1988/48/section/4", "document": "Artistic works, photographs", "question": "topic", "answer": "photo-ownership", "answer_text": "who owns a photograph or other work", "status": "stated", "retrieved_at": "2026-10-28", "quote": "a graphic work, photograph, sculpture or collage, irrespective of artistic quality,", "text_sha256": "38e6ece563f3afa55e877ef14fddd57d8fe159505988465e914d7cae428f78ee" }, { "subject": "CDPA 1988 s 4", "url": "https://www.legislation.gov.uk/ukpga/1988/48/section/4", "document": "Artistic works, photographs", "question": "bearing", "answer": "defines-terms", "answer_text": "defines the terms the rules use", "status": "stated", "retrieved_at": "2026-10-28", "quote": "a graphic work, photograph, sculpture or collage, irrespective of artistic quality,", "text_sha256": "38e6ece563f3afa55e877ef14fddd57d8fe159505988465e914d7cae428f78ee" }, { "subject": "CDPA 1988 s 4", "url": "https://www.legislation.gov.uk/ukpga/1988/48/section/4", "document": "Artistic works, photographs", "question": "text", "answer": "stated", "answer_text": "a graphic work, photograph, sculpture or collage, irrespective of artistic quality,", "status": "stated", "retrieved_at": "2026-10-28", "quote": "a graphic work, photograph, sculpture or collage, irrespective of artistic quality,", "text_sha256": "38e6ece563f3afa55e877ef14fddd57d8fe159505988465e914d7cae428f78ee" }, { "subject": "CDPA 1988 s 9", "url": "https://www.legislation.gov.uk/ukpga/1988/48/section/9", "document": "Authorship of work", "question": "topic", "answer": "photo-ownership", "answer_text": "who owns a photograph or other work", "status": "stated", "retrieved_at": "2026-10-08", "quote": "In this Part “author”, in relation to a work, means the person who creates it.", "text_sha256": "8d6738e9c814c688f367163a99ea800089043cde50594c631bdb29a557f24ac2" }, { "subject": "CDPA 1988 s 9", "url": "https://www.legislation.gov.uk/ukpga/1988/48/section/9", "document": "Authorship of work", "question": "bearing", "answer": "defines-terms", "answer_text": "defines the terms the rules use", "status": "stated", "retrieved_at": "2026-10-08", "quote": "In this Part “author”, in relation to a work, means the person who creates it.", "text_sha256": "8d6738e9c814c688f367163a99ea800089043cde50594c631bdb29a557f24ac2" }, { "subject": "CDPA 1988 s 9", "url": "https://www.legislation.gov.uk/ukpga/1988/48/section/9", "document": "Authorship of work", "question": "text", "answer": "stated", "answer_text": "In this Part “author”, in relation to a work, means the person who creates it.", "status": "stated", "retrieved_at": "2026-10-08", "quote": "In this Part “author”, in relation to a work, means the person who creates it.", "text_sha256": "8d6738e9c814c688f367163a99ea800089043cde50594c631bdb29a557f24ac2" }, { "subject": "Federal Trade Commission", "url": "https://www.ftc.gov/business-guidance/privacy-security/gramm-leach-bliley-act", "document": "Gramm-Leach-Bliley Act business guidance", "question": "topic", "answer": "insurer-information", "answer_text": "an insurer's customer information", "status": "stated", "retrieved_at": "2026-10-31", "quote": "to explain their information-sharing practices to their customers and to safeguard sensitive data.", "text_sha256": "050c83fcef30f645dbaaa17ea1e7709b130681b6dee41b7adbc0b01f9fb50eb9" }, { "subject": "Federal Trade Commission", "url": "https://www.ftc.gov/business-guidance/privacy-security/gramm-leach-bliley-act", "document": "Gramm-Leach-Bliley Act business guidance", "question": "bearing", "answer": "not-the-firms", "answer_text": "the information belongs with someone else, such as the insurer", "status": "stated", "retrieved_at": "2026-10-31", "quote": "to explain their information-sharing practices to their customers and to safeguard sensitive data.", "text_sha256": "050c83fcef30f645dbaaa17ea1e7709b130681b6dee41b7adbc0b01f9fb50eb9" }, { "subject": "Federal Trade Commission", "url": "https://www.ftc.gov/business-guidance/privacy-security/gramm-leach-bliley-act", "document": "Gramm-Leach-Bliley Act business guidance", "question": "text", "answer": "stated", "answer_text": "to explain their information-sharing practices to their customers and to safeguard…", "status": "stated", "retrieved_at": "2026-10-31", "quote": "to explain their information-sharing practices to their customers and to safeguard sensitive data.", "text_sha256": "050c83fcef30f645dbaaa17ea1e7709b130681b6dee41b7adbc0b01f9fb50eb9" }, { "subject": "Florida Statutes 627.7152", "url": "https://www.flsenate.gov/Laws/Statutes/2023/627.7152", "document": "Assignment agreements (2023)", "question": "topic", "answer": "claim-assignment", "answer_text": "a homeowner assigning insurance benefits to a contractor", "status": "stated", "retrieved_at": "2026-10-31", "quote": "“Assignee” means a person who is assigned post-loss benefits through an assignment agreement.", "text_sha256": "79f6751713f5d112686bb47945d6ba96a0714b0fc9fa84ba0d9818ff47f1ba7d" }, { "subject": "Florida Statutes 627.7152", "url": "https://www.flsenate.gov/Laws/Statutes/2023/627.7152", "document": "Assignment agreements (2023)", "question": "bearing", "answer": "defines-terms", "answer_text": "defines the terms the rules use", "status": "stated", "retrieved_at": "2026-10-31", "quote": "“Assignee” means a person who is assigned post-loss benefits through an assignment agreement.", "text_sha256": "79f6751713f5d112686bb47945d6ba96a0714b0fc9fa84ba0d9818ff47f1ba7d" }, { "subject": "Florida Statutes 627.7152", "url": "https://www.flsenate.gov/Laws/Statutes/2023/627.7152", "document": "Assignment agreements (2023)", "question": "text", "answer": "stated", "answer_text": "“Assignment agreement” means any instrument by which post-loss benefits under a…", "status": "stated", "retrieved_at": "2026-10-31", "quote": "“Assignment agreement” means any instrument by which post-loss benefits under a residential property insurance policy or commercial property insurance policy", "text_sha256": "79f6751713f5d112686bb47945d6ba96a0714b0fc9fa84ba0d9818ff47f1ba7d" }, { "subject": "Florida Statutes 627.7152", "url": "https://www.flsenate.gov/Laws/Statutes/2024/627.7152", "document": "Assignment agreements (2024)", "question": "topic", "answer": "claim-assignment", "answer_text": "a homeowner assigning insurance benefits to a contractor", "status": "stated", "retrieved_at": "2026-10-31", "quote": "a policyholder may not assign, in whole or in part, any post-loss insurance benefit under any residential property insurance policy", "text_sha256": "63bb1b8323f5406ce763f8b927a43f3e06a2d5246f4c4b8f87403398b945e5b1" }, { "subject": "Florida Statutes 627.7152", "url": "https://www.flsenate.gov/Laws/Statutes/2024/627.7152", "document": "Assignment agreements (2024)", "question": "bearing", "answer": "not-the-firms", "answer_text": "the information belongs with someone else, such as the insurer", "status": "stated", "retrieved_at": "2026-10-31", "quote": "An attempt to assign post-loss property insurance benefits under such a policy is void, invalid, and unenforceable.", "text_sha256": "63bb1b8323f5406ce763f8b927a43f3e06a2d5246f4c4b8f87403398b945e5b1" }, { "subject": "Florida Statutes 627.7152", "url": "https://www.flsenate.gov/Laws/Statutes/2024/627.7152", "document": "Assignment agreements (2024)", "question": "text", "answer": "stated", "answer_text": "issued on or after January 1, 2023. An attempt to assign post-loss property insurance…", "status": "stated", "retrieved_at": "2026-10-31", "quote": "issued on or after January 1, 2023. An attempt to assign post-loss property insurance benefits under such a policy is void, invalid, and unenforceable.", "text_sha256": "63bb1b8323f5406ce763f8b927a43f3e06a2d5246f4c4b8f87403398b945e5b1" }, { "subject": "ICO", "url": "https://ico.org.uk/for-organisations/uk-gdpr-guidance-and-resources/personal-information-what-is-it/what-is-personal-data/what-is-personal-data/", "document": "What is personal data", "question": "topic", "answer": "home-photos-as-personal-data", "answer_text": "when information about a person, such as a photo of their home, is personal data", "status": "stated", "retrieved_at": "2026-10-08", "quote": "That individual must be identified or identifiable either directly or indirectly from one or more identifiers or from factors specific to the individual.", "text_sha256": "9383e42058fcc80152edb9a55b66009981a8b72f5694f0008405ca106a10cdb0" }, { "subject": "ICO", "url": "https://ico.org.uk/for-organisations/uk-gdpr-guidance-and-resources/personal-information-what-is-it/what-is-personal-data/what-is-personal-data/", "document": "What is personal data", "question": "bearing", "answer": "must-strip-or-justify", "answer_text": "personal details must come out, or a basis must exist", "status": "stated", "retrieved_at": "2026-10-08", "quote": "That individual must be identified or identifiable either directly or indirectly from one or more identifiers or from factors specific to the individual.", "text_sha256": "9383e42058fcc80152edb9a55b66009981a8b72f5694f0008405ca106a10cdb0" }, { "subject": "ICO", "url": "https://ico.org.uk/for-organisations/uk-gdpr-guidance-and-resources/personal-information-what-is-it/what-is-personal-data/what-is-personal-data/", "document": "What is personal data", "question": "text", "answer": "stated", "answer_text": "That individual must be identified or identifiable either directly or indirectly from one…", "status": "stated", "retrieved_at": "2026-10-08", "quote": "That individual must be identified or identifiable either directly or indirectly from one or more identifiers or from factors specific to the individual.", "text_sha256": "9383e42058fcc80152edb9a55b66009981a8b72f5694f0008405ca106a10cdb0" }, { "subject": "UK GDPR Article 4", "url": "https://www.legislation.gov.uk/eur/2016/679/article/4", "document": "Definitions", "question": "topic", "answer": "home-photos-as-personal-data", "answer_text": "when information about a person, such as a photo of their home, is personal data", "status": "stated", "retrieved_at": "2026-10-08", "quote": "in particular by reference to an identifier such as a name, an identification number, location data, an online identifier", "text_sha256": "6fe69a746e765a97f9cbf4a069e3e803cbdcae7a5c4f5026a01f93df1226cefd" }, { "subject": "UK GDPR Article 4", "url": "https://www.legislation.gov.uk/eur/2016/679/article/4", "document": "Definitions", "question": "bearing", "answer": "must-strip-or-justify", "answer_text": "personal details must come out, or a basis must exist", "status": "stated", "retrieved_at": "2026-10-08", "quote": "‘personal data’ means any information relating to an identified or identifiable natural person", "text_sha256": "6fe69a746e765a97f9cbf4a069e3e803cbdcae7a5c4f5026a01f93df1226cefd" }, { "subject": "UK GDPR Article 4", "url": "https://www.legislation.gov.uk/eur/2016/679/article/4", "document": "Definitions", "question": "text", "answer": "stated", "answer_text": "‘personal data’ means any information relating to an identified or identifiable natural…", "status": "stated", "retrieved_at": "2026-10-08", "quote": "‘personal data’ means any information relating to an identified or identifiable natural person", "text_sha256": "6fe69a746e765a97f9cbf4a069e3e803cbdcae7a5c4f5026a01f93df1226cefd" }, { "subject": "UK GDPR Article 6", "url": "https://www.legislation.gov.uk/eur/2016/679/article/6", "document": "Lawfulness of processing", "question": "topic", "answer": "lawful-basis", "answer_text": "the grounds for using personal data", "status": "stated", "retrieved_at": "2026-10-08", "quote": "Processing shall be lawful only if and to the extent that at least one of the following applies:", "text_sha256": "7a5a6f24fb31d9243763b59989fd13d94b3c2be38ee902535f7781e7fa9a121d" }, { "subject": "UK GDPR Article 6", "url": "https://www.legislation.gov.uk/eur/2016/679/article/6", "document": "Lawfulness of processing", "question": "bearing", "answer": "must-strip-or-justify", "answer_text": "personal details must come out, or a basis must exist", "status": "stated", "retrieved_at": "2026-10-08", "quote": "Processing shall be lawful only if and to the extent that at least one of the following applies:", "text_sha256": "7a5a6f24fb31d9243763b59989fd13d94b3c2be38ee902535f7781e7fa9a121d" }, { "subject": "UK GDPR Article 6", "url": "https://www.legislation.gov.uk/eur/2016/679/article/6", "document": "Lawfulness of processing", "question": "text", "answer": "stated", "answer_text": "Processing shall be lawful only if and to the extent that at least one of the following…", "status": "stated", "retrieved_at": "2026-10-08", "quote": "Processing shall be lawful only if and to the extent that at least one of the following applies:", "text_sha256": "7a5a6f24fb31d9243763b59989fd13d94b3c2be38ee902535f7781e7fa9a121d" }, { "subject": "UK GDPR Article 9", "url": "https://www.legislation.gov.uk/eur/2016/679/article/9", "document": "Special categories of personal data", "question": "topic", "answer": "home-photos-as-personal-data", "answer_text": "when information about a person, such as a photo of their home, is personal data", "status": "stated", "retrieved_at": "2026-10-08", "quote": "data concerning health or data concerning a natural person's sex life or sexual orientation shall be prohibited.", "text_sha256": "8e2779f1079e74964f01cb7f22dede0c6384208418ac4c1e0b95bf08ad5c4f80" }, { "subject": "UK GDPR Article 9", "url": "https://www.legislation.gov.uk/eur/2016/679/article/9", "document": "Special categories of personal data", "question": "bearing", "answer": "must-strip-or-justify", "answer_text": "personal details must come out, or a basis must exist", "status": "stated", "retrieved_at": "2026-10-08", "quote": "data concerning health or data concerning a natural person's sex life or sexual orientation shall be prohibited.", "text_sha256": "8e2779f1079e74964f01cb7f22dede0c6384208418ac4c1e0b95bf08ad5c4f80" }, { "subject": "UK GDPR Article 9", "url": "https://www.legislation.gov.uk/eur/2016/679/article/9", "document": "Special categories of personal data", "question": "text", "answer": "stated", "answer_text": "data concerning health or data concerning a natural person's sex life or sexual…", "status": "stated", "retrieved_at": "2026-10-08", "quote": "data concerning health or data concerning a natural person's sex life or sexual orientation shall be prohibited.", "text_sha256": "8e2779f1079e74964f01cb7f22dede0c6384208418ac4c1e0b95bf08ad5c4f80" } ], "sources": [ { "url": "https://www.law.cornell.edu/uscode/text/17/101", "label": "17 U.S. Code 101: definitions", "license": "quoted for reporting from the publisher's US federal and Florida statutes, UK statute texts, and the FTC's and ICO's guidance", "class": "primary-government", "status": "read" }, { "url": "https://www.law.cornell.edu/uscode/text/17/106", "label": "17 U.S. Code 106: exclusive rights", "license": "quoted for reporting from the publisher's US federal and Florida statutes, UK statute texts, and the FTC's and ICO's guidance", "class": "primary-government", "status": "read" }, { "url": "https://www.law.cornell.edu/uscode/text/17/201", "label": "17 U.S. Code 201: ownership of copyright", "license": "quoted for reporting from the publisher's US federal and Florida statutes, UK statute texts, and the FTC's and ICO's guidance", "class": "primary-government", "status": "read" }, { "url": "https://www.legislation.gov.uk/ukpga/1988/48/section/4", "label": "CDPA 1988 s 4: artistic works", "license": "quoted for reporting from the publisher's US federal and Florida statutes, UK statute texts, and the FTC's and ICO's guidance", "class": "primary-government", "status": "read" }, { "url": "https://www.legislation.gov.uk/ukpga/1988/48/section/9", "label": "CDPA 1988 s 9: authorship of work", "license": "quoted for reporting from the publisher's US federal and Florida statutes, UK statute texts, and the FTC's and ICO's guidance", "class": "primary-government", "status": "read" }, { "url": "https://www.legislation.gov.uk/ukpga/1988/48/section/11", "label": "CDPA 1988 s 11: first ownership of copyright", "license": "quoted for reporting from the publisher's US federal and Florida statutes, UK statute texts, and the FTC's and ICO's guidance", "class": "primary-government", "status": "read" }, { "url": "https://www.legislation.gov.uk/eur/2016/679/article/4", "label": "UK GDPR Article 4: definitions", "license": "quoted for reporting from the publisher's US federal and Florida statutes, UK statute texts, and the FTC's and ICO's guidance", "class": "primary-government", "status": "read" }, { "url": "https://www.legislation.gov.uk/eur/2016/679/article/6", "label": "UK GDPR Article 6: lawfulness of processing", "license": "quoted for reporting from the publisher's US federal and Florida statutes, UK statute texts, and the FTC's and ICO's guidance", "class": "primary-government", "status": "read" }, { "url": "https://www.legislation.gov.uk/eur/2016/679/article/9", "label": "UK GDPR Article 9: special categories of personal data", "license": "quoted for reporting from the publisher's US federal and Florida statutes, UK statute texts, and the FTC's and ICO's guidance", "class": "primary-government", "status": "read" }, { "url": "https://ico.org.uk/for-organisations/uk-gdpr-guidance-and-resources/personal-information-what-is-it/what-is-personal-data/what-is-personal-data/", "label": "ICO: what is personal data", "license": "quoted for reporting from the publisher's US federal and Florida statutes, UK statute texts, and the FTC's and ICO's guidance", "class": "primary-government", "status": "read" }, { "url": "https://www.law.cornell.edu/uscode/text/15/6801", "label": "15 U.S. Code 6801: protection of nonpublic personal information", "license": "quoted for reporting from the publisher's US federal and Florida statutes, UK statute texts, and the FTC's and ICO's guidance", "class": "primary-government", "status": "read" }, { "url": "https://www.law.cornell.edu/uscode/text/15/6809", "label": "15 U.S. Code 6809: definitions (GLBA)", "license": "quoted for reporting from the publisher's US federal and Florida statutes, UK statute texts, and the FTC's and ICO's guidance", "class": "primary-government", "status": "read" }, { "url": "https://www.ftc.gov/business-guidance/privacy-security/gramm-leach-bliley-act", "label": "FTC: Gramm-Leach-Bliley Act business guidance", "license": "quoted for reporting from the publisher's US federal and Florida statutes, UK statute texts, and the FTC's and ICO's guidance", "class": "primary-government", "status": "read" }, { "url": "https://www.flsenate.gov/Laws/Statutes/2024/627.7152", "label": "Florida Statutes 627.7152 (2024): assignment agreements", "license": "quoted for reporting from the publisher's US federal and Florida statutes, UK statute texts, and the FTC's and ICO's guidance", "class": "primary-government", "status": "read" }, { "url": "https://www.flsenate.gov/Laws/Statutes/2023/627.7152", "label": "Florida Statutes 627.7152 (2023): assignment agreements", "license": "quoted for reporting from the publisher's US federal and Florida statutes, UK statute texts, and the FTC's and ICO's guidance", "class": "primary-government", "status": "read" } ], "methodology": "Each provision's own US federal and Florida statutes, UK statute texts, and the FTC's and ICO's guidance were read through estate-fetch and stored whole (sha256 on every row). For every text, three questions were answered from its own words: what the provision is about, what it means for licensing the firm's records, what it says, in its own words. Every stated answer carries the sentence it rests on, checked against the stored text; 'not stated' means the text read does not address the question. A provision with several texts reads 'varies' where they disagree. 14 provisions, 15 texts.", "embed": "
4 of 14 texts read say personal details must come out, or a lawful basis must exist, before a restoration firm's records are reused, newest read 31 October 2026.
The law on a restoration firm's photos, files and claims, sellrestorationdatatoai.com
" }