Anything that could be used to identify an individual, such as name, date of birth or email address falls under the category of legally protected personal information in the eyes of the law.
There are many laws concerning Privacy Policies depending on the state and country of your company or your users. For example, CalOPPA sets forth regulations for websites that collect information from residents of California. This means that even if your company or website is not based out of California, you must comply with these rules if you have users who reside there.
The major laws regarding Privacy Policies in the United States are:
No, because an email address is considered personal information.
While you may not think an email address is enough to personal information to identify someone or compromise their privacy, the laws are very strict about the collection of ANY personal information, regardless of how you plan to use it.
It is also not a bad idea to include a link to your Privacy Policies on FAQ or account settings sections, and with any forms where you collect user information.
A Disclaimer protects the website or app owner by informing the user that the website or app is not responsible for how the user might use the information provided on the website or within the app.
A Terms & Conditions is essentially the rules of your website or app. This is considered a legal agreement where if you use the website or app, you agree to these rules.
The rules included in a Terms & Conditions can cover everything from pointing out what is copyrighted and trademarked material to disclosing information about functions of the app or website in order to limit liability.
For example, stating that you are not responsible for user comments on your website lets other users know that they may encounter comments that you are not responsible for and should proceed only if they accept that risk.
While Terms & Conditions are not required by law, they are essential to protect yourself in situations such as these.
If you operate out of the EU or serve clients or customers within the EU, you will need to comply with these regulations.
Below is an example from WikiHow: