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Do DORA regulations inhibit working from anywhere, as work from remote? I was told my contract has to be changed, to exclusively include from which countries I will be working. Is that a DORA-derived requirement?

I am writing to seek clarification regarding the regulatory and practical implications of switching Pan-European Personal Pension Product (PEPP) providers, particularly in a cross-border context. According to Article 52(1), subparagraph 3 of Regulation (EU) 2019/1238, PEPP savers are entitled to switch providers both domestically and across Member States. While the domestic switch appears straightforward, I would appreciate your guidance on two specific issues that arise in the context of cross-border transfers. Sub-Account Structure and Cross-Border Transfers

1. What is the total assets in the context of share of total assets (e.g. denominator in column C0040 S.37.02.04.01) – is it the total assets exposure after insurance risk mitigation technique and exemptions? And do we use the same total assets in the denominator when calculating share of total assets for all similar sheets e.g. S.37.03.04.02 Bonds when calculating share of total assets?

Which intra-group transaction ID should be reported in case the transaction is part of a single economic transaction?

Shall exposures with the same external counterparty that are labelled in different currencies should be reported in separate lines?

In FC.01 should we report equity securities at consolidated value or social value?

In which category must be reported investments in funds (FC01/FC0120/Instrument)?

Could you provide additional detail/clarification regarding the inclusion of intragroup transactions within a single economic operation?

Before advancing to a public launch, I am seeking your guidance on: The essential regulatory requirements and procedures for operating a digital insurance marketplace of this nature in Europe, Any specific licensing, registration, or authorization pathways for insurtech solutions using satellite analytics and smart contracts, Key consumer protection, data privacy, and cybersecurity obligations, Any guidance, documentation, or contact points for startups preparing for compliance in this field. Our goal is to ensure full alignment with all relevant regulations from the outset. I greatly appreciate any orientation or resources you can provide as we refine our business model and compliance approach. Thank you very much for your attention and assistance.