OBS_VALUE: Operators must record, systematize, accumulate, store, amend, update, and retrieve data on Russian citizens locally. As from 2020, the official website, the mobile application of the insurer can be used as an information system that ensures the exchange of information in electronic form between the policyholder (insured person, beneficiary) and the insurer, which is the operator of this information system. The technical means of the insurer's information systems used to perform the actions provided for in this article must be located on the territory of the Russian Federation.