Appendix H — Sector overlays and questions requiring counsel
A sector overlay is a scoped source-and-decision record, not a claim that the enterprise satisfies every regulator. The delivered sector pack includes editable workbook, CSV, structured rows, hypothetical decisions and local test results. Exact source versions, URLs and newline locators are in the source index.
H.1 Choose a scoped playbook
| Sector / activity | Reader route | Decision that changes the outcome |
|---|---|---|
| Banking, NBFC, lending service provider and insurer | Chapter 31; CASE-001 sector decisions | Establish actual entity class, activity and instrument before selecting reporting/retention; a distributor is not an insurer |
| Retail, advertising and loyalty | Chapter 32; CASE-101 specimens | Adult-only targeting versus separate child path; parent consent alone is not blanket targeting authority |
| Healthcare / education | Chapter 33; CASE-102/103 specimens | Adult, child, lawful guardian and emergency are distinct facts; an authorised disclosure is not automatically a breach |
| Employment, SaaS and foreign services | Chapter 34; CASE-104 specimens | Activity-level role, grounds, territorial/exemption conditions and failed own-purpose reuse |
These packs are bounded worked decisions with retained evidence and negative branches, not complete sector-law libraries or deployed clinical/HR/financial systems. Insurance, securities and education rows should be read under their own applicability conditions rather than inherited by the fictional NBFC merely because they share a workbook.
H.2 Live-use questions that remain
The canonical unresolved-question register retains exact source anchors and safe dispositions. Its questions do not authorise unverified processing. Use this operational index to assign the next evidence request.
| Existing ID | Question / owner to resolve before real reliance |
|---|---|
| QL-001 | Legal and records owners: retention overlap, processing-event resets, permitted retained uses and copies; no universal erase date |
| QL-002 | Legal owner: staggered-commencement interpretation for the Third Schedule clock and actual class/threshold facts |
| QL-003 | Legal/source owner: controlling Board composition/appointment evidence; recruitment is not appointment |
| QL-004 | Source owner: later or entity-specific notifications, orders, standards and channels not ruled out by the bounded search |
| QL-005 | Sector counsel and accountable business owner: actual licence/layer, record class, trigger, instrument version and coexistence/conflict analysis |
| QL-006 | Legal owner: staged Consent Manager enforcement mechanics without flattening different commencement provisions |
| QL-007 | HR/privacy owner: applicant, monitoring, group reuse and third-person-contact facts; no invented employment sub-limbs |
| QL-008 | Legal/finance owner: case-specific penalty aggregation and discretion, not a test-pass-rate loss formula |
| QL-009 | Technical and legal owners: identifiability of particular derived outputs/models and what disposal/retraining evidence can show |
| QL-010 | Rights/legal owner: mixed-ground request mechanics, grievance and nomination scope without a universal rights SLA |
This table is an author navigation index, not newly resolved legal advice. Known English Rules facts must not be reopened as “unread source” residuals. A real decision needs the exact instrument, actor, trigger, conditions, exception, effective date and evidence that the facts fit. If an applicable source or entity fact is missing, preserve an unresolved/restricted state and owner rather than importing an unsourced retention number.
H.3 Overlap review workpaper
For a new activity, list each potentially applicable instrument separately. Record what each requires, whether the duties can coexist and the exact conflict, if any. Chapter 5 distinguishes the general conflict rule from the transfer-specific saving. Do not choose a universal “strictest rule” and erase the other obligations. Incident tracks have their own awareness/notice facts, recipients, clocks and content; one timely message does not necessarily discharge every track.
The integrated sector overlays carry the bounded source rows into the dossier. Their presence is not final Company-specific approval. Source hashes can establish that the reviewed text is unchanged; they cannot establish that no later instrument exists or that an unnamed enterprise meets the conditions.