Personal Data Accounts are a new (patent pending) cloud-based technology that enable individuals to collect, store, process and use their own personal data. Personal Data Accounts are powered by the "HAT Microserver" a personal data server. They provide full ownership and legal rights to its contents enabling individuals to contract and license their data in real time and on demand to websites and applications. Individuals can also give websites and applications permissions to read and write data into their own specific app folders in the PDA. Personal data accounts are usually issued to individuals within apps and websites when they register with the app/website, replacing the need for websites and apps to have centralised user accounts of their own. Personal Data Accounts are useful for organisations to store data that belong to their users, giving control back to their own customers while enabling their customers to reuse and reshare across other apps. It is scalable for the largest apps and contains built-in robust security. Personal Data Accounts also enable individuals to install pre-trained tools (supplied by organisations or data scientists) to generate “edge” analytics and private AI insights where the output data is returned back into the PDA and websites and apps can ask their users to share those insights with their websites and applications.