I don't think that is quite the answer. I think you would explain that the algorithm considers the past data on x to make decisions based on x. So then if you

I don't think that is quite the answer. I think you would explain that the algorithm considers the past data on x to make decisions based on x. So then if you say 'we consider factors like your name in order to work out ethnicity and then use that to determine your credit risk' you get a big fine. If you say 'we use data about the previous likelyhood of people in your profession and age group having an accident in order to analyze the risk....in order to price your insurance' then you are on safe ground