"Permitting such decisions without an ability to understand them can have the effect of eliminating challenges that are essential to the rule of law. When an institution uses your own personal information and data about you to decide that you don’t get a loan, or that your neighborhood will undergo more police surveillance, or that you don’t get to go to university, you don’t get the job, or you don’t get out of jail, and those decisions cannot be explained by anyone in any meaningful way, such uses of your data interfere with your privacy rights."