Re: recording calls
I believe you do not have to state that you're recording a call so long as you are a party to it. Thus, by definition really, you don't have to tell them if you're recording a call that you're making or receiving. Companies do because the rules are slightly different and most of it is in fact optional backside-protection. So no, you don't have to tell them you're recording a phone call that you are part of.
And most mobile phones nowadays have options to record the call. My Nokia did ten years ago, you literally had a record button on the screen when you were in a call and it recorded an MP3 of both sides. I did it and caught out a hosting firm - I was making websites for local businesses and one of them wanted to use their own hosting outfit that they already had. No problem, I just knocked up some HTML and back-end programs so they could update the data and I FTP'd it to them.
Two years later, I get a call that the website's "been deleted". Turns out it was right - the FTP was empty. Only I and my client (a good friend who didn't know ANYTHING about computers) had the password and she swore that she'd not touched anything because she was running her business off it successfully for all that time. She'd called the hosting company, who told her that someone had logged in and deleted it. It sounded VERY fishy as the password had only been given to myself and my client, was manually chosen (no email records) and was quite secure.
Obviously, I had an irate customer who was blaming me for it because the hosting company were effectively blaming me. So I phoned up, and recorded the call. Where they told me they *had* suffered disk failures lately. Where they told me they kept no FTP logs whatsoever. Where they told me they have no backup systems. Where they told me they'd DEFINITELY change the password on the account right away on my insistence (just in case someone had got hold of it).
It was ten years ago now, and I still don't think they've changed the password on that account. Fortunately, I had a copy of the data that was quite recent and just re-uploaded it, but to this day I still have the MP3 recording from my phone of them basically saying it was probably their fault and they had no way to tell if I'd even logged in, let alone anyone else. The customer was happy (with me at least), but the hosting firm was changed soon after. But I don't think I'd have got them to admit those things if they knew I was recording.
Most phones have the option or, at worst, there's an app that will do it for you. After all, it's just a matter of storing data that it's already having to process and send anyway. The nice apps are literally just a "record" button when you're in a call but it varies.