Rating Assurance & Certification

Purpose
The Dataswift Rating Assurance and Certification Standard is a set of principles for websites and applications built on Dataswift’s Personal Data Accounts (PDAs) that enable application developers, public institutions, businesses and the public to trust these applications and the way they handle personal data.
The Dataswift rating standard aims to encourage innovation in PDA applications and the development of privacy-preserving apps that are of high quality and fit for purpose, but also transparent about how they differ in their treatment of personal data. These apps can potentially change the way applications in the digital and data economy are delivered in the future.
The Dataswift rating standard is primarily for users to understand how their personal data is stored by app developers and to define consistent, standardised criteria for applications integrating with PDAs. The Standard may also be used by:
Public and private professionals selecting digital products and services to recommend; and
Cross-sector organisations commissioning bespoke applications.
The emergence of websites, mobile applications, platforms, registries and repositories that hold personal data has created a new environment that enables Machine Learning-driven services with rich insights and user experience. However, such services may need to access private data such as payment transactions, health records and identity information. Holding such data is becoming a liability for organisations, increasing their risks.
HAT Microserver technology give individuals the capability to own their personal data server. Enabling individuals to collect all their data into their own server and use it to create value for themselves is a step towards advancing the Internet. Indeed, deploying such a technology at scale would enable mass coordination and better markets for personal data usage to emerge, creating societal value. However, such technology can also cause harm if left unchecked, putting privacy up for sale to the highest bidder and incentivising behaviours that could be damaging to society as a whole. In short, the HAT Microserver technology would generate a new set of product opportunities as well as risks in personal data exchanges. This Rating Standard aims to bring together current good practices of data conduct to address these opportunities and risks.
Scope
Dataswift's rating standard gives recommendations for developers of applications using the Dataswift platform who intend to meet privacy and usability requirements for personal data handling. It includes a set of quality criteria and covers the application's data conduct and the way data flows are orchestrated on the platform.
An application is defined as a web or mobile application that has passed the development, testing, releasing and updating processes. This includes native, hybrid and web-based apps; apps associated with wearables, ambient; and apps linked to other apps.
The Dataswift rating standard does not cover the processes or criteria for an app developer or publisher to establish whether an application is subject to regulatory control e.g. as a finance app or medical device. This rating standard only covers applications built on the Dataswift infrastructure that has gone live or are intending to go live in production-level environments.
The Rating Assurance and Certification
Every application generates data when a user interacts with it, resulting in the data being stored somewhere. For applications on the Dataswift platform, the application owner chooses where to store the data; whether it is on a device, in the application’s server, or within a PDA. The decision of what data, where, and how personal data is stored will be rated by the Dataswift Rating system using three characters: 
First character: Access
The first character specifies where the data is stored: either, on the PDA, both on the PDA and the app server, or only on the app server. This character also declares if any Personally Identifiable Information (PII), such as email address, is collected or stored on the app server. If the organisation has rights to retrieve the information e.g. through a contracted PDA, it is still only for the designated namespaçe. All other namespaces of the database are still private to the PDA owner. For example, an organisation – let’s call it “Wood Factory” – using PDAs for their HR records has C as its first character. This indicates that the organisation does have access to the PII inside their employees' PDAs as they have credentials for access into the Wood Factory namespace. Should any individual leave Wood Factory, the organisation credentials would be terminated but the individual as the PDA owner may be allowed to keep the data within the namespace.
The second character: Conditions
The second character specifies if the application imposes a condition on the user for the data's reuse and re-sharing. Some applications may choose to impose legal restrictions on re-sharing or technical restrictions for re-sharing (such as encryption).
The third character: Completeness
The third character specifies how complete the data is within the PDA. This includes what may not normally be personal data e.g. the app's metadata, but would still be user-generated.
Merchants declare their rating according to the rating system specified by the HAT Community Foundation when they submit their application for review. The ratings are shown to all PDA owners on the screen where they agree to the data contract. The Rating Assurance provides individuals with confidence that the website/application displaying the assurance has declared their treatment of personal data on the basis of the standards set out below. This rating assurance is not verified by Dataswift. Merchants may choose to go beyond the assurance and be certified by the HAT Community Foundation. To achieve the Dataswift Rating Certification, websites/applications must subject their code to periodic audit to verify that it consistently adheres to the rating declared.
A+ : The app or data debit request does not require any data from the PDA owner. This is usually the case for apps that only write data into the PDA like data plugs e.g. Facebook data plug
A+: The app does not impose any conditions on the reuse and/or re-sharing of the data generated by the app that has been written into the PDA.
A+: The data contributed by the app into the PDA is more than complete i.e. all the data generated by the PDA owner within the app is contributed back into the PDA. The app also licenses other data back to the user such as metadata, descriptions and images to make the data more understandable.
A: The app(s) reads data from the PDA but it does not store the data anywhere outside the PDA, except for performance and caching purposes OR that the data stored outside the PDA cannot be identifiable.
A: The app imposes conditions on the reuse and/or re-sharing of the data generated by the app for legal purposes, e.g. protection of minors. OR the app does not contribute any data to the app.
A: The data contributed by the app into the PDA is complete i.e. data generated by the PDA owner within the app is not all contributed back into the PDA (within performance limits).
B: The app(s) requires data from the PDA and will store data outside the PDA but within its own app service. It will not transfer the data anywhere else and this is expressly stated under its legal terms and conditions.
B: The app imposes conditions on the reuse and/or re-sharing of the data generated by the app that has been written into the PDA e.g. it is encrypted etc.
B: The data contributed by the app into the PDA is complete i.e. data generated by the PDA owner within the app is not all contributed back into the PDA. This is the case when pseudonymised data or metadata of the person is kept by the app but not contributed back to the PDA owner.
C: The app(s) will store data outside the PDA and may transfer the data elsewhere for analysis purposes. This is expressly stated under its terms and conditions.
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C: The data contributed by the app is incomplete i.e. a subject access request from the PDA Owner to the app yields more data than that which is brought into the PDA.
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Purpose
Scope
The Rating Assurance and Certification