Guest Articles / Guest Research Gareth Davies | Published 20 June 2026 Flutter By GUEST RESEARCH: For decades, by many means, fair or foul, personal information (as per the Australian Privacy Act 1988) has been extracted from the individual for commercial and state actor purposes. Sometimes, there is an exchange of value with the person, most times, there is not. Change reveals. How many banks have I contacted? How did I contact them? Did they open the letter they requested? What’s my address?