File this under "Yet Another National Database" cross referenced wih "What Could Possibly Go Wrong?"

The Sydney Morning Herald, 6 May 2018:

A massive breach of Commonweath Bank data exposed last week has raised security fears around a new national database of Australian bank customers, as Labor pushes for a delay to part of the scheme's scheduled introduction in less than two months.

The database - set to go live on July 1 - will include the details of every person who has taken out a loan or a credit card, along with their repayment history.

The Mandatory Comprehensive Credit Reporting scheme was a recommendation of the 2014 financial system inquiry and is designed to give lenders access to a deeper, richer set of data to ensure loans are only being approved for people who can afford to repay them.

The new requirements will first apply to the Commonwealth Bank, ANZ Bank, Westpac and National Australia Bank, given they account for up to 80 per cent of lending to households.

But the collection of sensitive data by private companies has raised concerns in the wake of several high-profile data breaches, including the disappearance of 20 million customers records from the Commonwealth Bank.

The Financial Rights Legal Centre and the Consumer Action Law Centre claim the financial details of millions of Australians will be vulnerable under the new scheme - which includes positive and negative credit histories.

Financial Rights Legal Centre policy officer Julia Davis said the development "was a major intrusion into our financial privacy".

"I don’t think Australians realise this is about to happen," she said.

The legislation states all credit reporting bodies must store the information on a cloud service that has been assessed by the Australian Signals Directorate. It also contains a provision allowing banks to stop supplying customer data to credit providers should there be a major security breach.

Ms Davis said the oversight was welcome but the internal systems of credit reporting bodies remained "completely opaque."

"Once that data goes live in the one place you can't put the toothpaste back in the tube," she said.

Equifax, one of the companies which will have access to the data, had its systems in the US hacked last year, exposing the personal information of 143 million Americans and triggering to the resignation of its chief executive.

It is also being sued by consumer watchdog the Australian Competition and Consumer Commission over allegations it misrepresented its product to consumers by asking them to pay for their own credit histories which are usually available online for free.

The company's general manager of external relations, Matthew Strassberg, said Equifax had "only been a marquee above the door for six months," after the US giant took over the Australian operation formerly known as Veda.

He said the credit reporting business would provide "a 360 degree picture."

"A bank will have a very deep insight into what they know of you," he told Fairfax Media.

Mr Strassberg said he recognised that Australians were concerned about data security…..

Before everyone gets too excited about those personal tax cuts in Budget 2018-19

According to the Turnbull Government Budget 2018-19 papers, eligibility for the Low and Middle Income Tax Offset (aka personal income tax cut) will assist over 10 million Australians, with about 4.4 million taxpayers with incomes between $48,000 and $90,000 receiving the full $530 benefit for 2018–19.

The non-refundable offset is calculated on “taxable income” which is “equal to an individual’s assessable income (such as salary and wages and interest from bank accounts) minus their allowable deductions”.

The announced ‘tax cut’ has a life of four financial years and technically ceases after 2021-22. 

It will not see actual tax rates change and will not see the dollar amount in wages paid on a weekly, fortnightly or monthly basis alter.

The 'tax cut' will be applied by the Australian Taxation Office and form part of any tax refund due after tax returns are lodged in 2019.

The bottom line is that any person with a taxable income of less than $20,548 will not receive the announced personal tax cut according to the Budget 2018-19 website income tax calculator.

https://www.budget.gov.au/2018-19/content/incometax.html?income=20547

Those with a taxable income of est. $20,548 on 30 June 2019 will receive exactly one dollar a year as a ‘tax cut’ for the next four years.

One would have a taxable income of est. $21,600 to get a ‘tax cut’ of $200 a year for the next four years.

However the first $18,200 of any individual’s personal income is currently exempt from taxation.

https://www.ato.gov.au/Rates/Individual-income-tax-rates/

Hopefully for the purposes of calculating any tax refund the budget measure includes in "taxable income" the first $18,200 on which no tax is payable.

Otherwise this budget measure means that anyone with an annual wage of $38,747 ($18,200 tax exempt + $20,547 taxable income) will not receive the announced ‘tax cut’ for low and middle income earners.

There is nothing found in Budget Measures Budget Paper No. 2 2018-19 or on the Budget 2018-19 website which clarifies the situation.

Saying "Thank you"......

The Clarence Valley Independent, 2 May 2018:

A letter from mum and dad

Ed,

We will never forget certain things from this journey ever in our lives. On March 22, 2018 our lives changed forever.

Watching our baby Emerald (7 months old) go into cardiac arrest and multi organ failure one hour after arriving at our local hospital, me just taking her because I thought she was sick, then it all went downhill from there. The NETs retrieval team was called in to take us to Westmead; Emerald suffered a seizure in Grafton from low blood sugar that resulted in a brain injury and fluid on her brain, needing life support. It took NETS another six hours to stabilise her to get on the plane. Emerald was blue and lifeless and no one thought she would make it; in that moment I thought my baby had died, then the next day eight hours after arrival at the children’s hospital, we had a diagnosis of a very rare CHD called ALCAPA that Emerald had been silently fighting for seven months and was never picked up. They took her for major open heart surgery at 8am on March 23; the longest day of my life. They told me to be prepared for the worst as they expected Emerald to come back on the ECMO (the double bypass machine for lungs and heart).

3pm came and Emmy was about to come out of surgery and she wasn’t on the machine! When the head surgeon sat me down and pretty much told me no one told him about her low blood sugar and Emerald suffered another seizure creating a complication for the surgery, yet she still didn’t come back on that machine, they kept telling me that she would end up on it to give her heart a rest; the next week was very touch and go, we almost lost our girl three more times but still no ECMO; Emerald was fighting so hard
And the doctors telling me that her liver and kidneys won’t make it; she was so puffed up with fluid and so yellow from the jaundice and that they thought she had more seizures, but couldn’t tell because she was on the muscle relaxant, the only thought in my head was if she was going to be ok. I didn’t care if her brain injury resulted in her being a little more special, I just wanted to know she was ok – they couldn’t guarantee us anything and they still can’t. Emerald also contacted two blood infections, pneumonia from being on the life support and a collapsed lung.

This experience has been very trying and testing and very traumatising and we feel so out of our comfort zone being here and almost 700km away from home.

A few anxiety attacks from mum and dad over the last 5 weeks
Some very touch and go moments I will never forget.
We are slowly on the road to recovery, Emerald has astounded all her doctors with how far she has come and that she ever once stopped fighting.

Emerald is a miracle five weeks post op and she is saying mum, hi, can do high 5; eating solids again and rolling over from side to side!

I could not be standing here today beside my heart warrior if it wasn’t for the support from my family and friends and the entire community who has rallied around my daughter to help us. Thank you for all the donations and the prayers; we are truly blessed to have such caring kind hearted people in our lives and our little gem is fighting to get back to our little community so we can say thank you to everyone that has helped us.
Thank you from the bottom of my heart.

I know this journey still has a long, long way to go and the shock has worn off finally and is only just hitting me now, but every day is a step closer to home and Emmy is improving every single day.
And I appreciate everything you all have done – Thank you.

Thank you for never leaving Emerald in the dark.

Jess and Kev – Emerald’s parents

Heard Budget Speech 2018, read this morning's headlines? Now hunt the dollars using this cheat sheet

Because there is a great deal of sleight of hand in federal government annual budget announcements, to be sure that what the Turnbull Government is planning doesn't make life harder for you, your family and community everyone needs to read the fine print.

Budget Paper No. 1: Budget Strategy and Outlook - provides:

* information about the international and domestic economic outlook, including numerical estimates of key parameters such as gross domestic product (GDP) growth, employment, and the consumer price index (CPI)

* a statement of the Government’s fiscal strategy and the fiscal outlook of the Commonwealth (that is, the Government’s outlook and strategy for revenue, notably taxes)

* estimates of the revenues and expenditures of the Commonwealth, and their composition

* information on the proposed capital investment of the Commonwealth • information on the assets, liabilities—including contingent liabilities, or ‘risks’—and debt held or owed by the Commonwealth, and

* historical information about the Commonwealth’s fiscal and debt position. 

Go to: 

https://www.budget.gov.au/2018-19/content/bp1/download/BP1_full.pdf

Budget Paper No. 2: Budget Measures - contains information about the budget measures/policies Government intends to pursue and each measure will have a costing attached to it.

Go to: 

https://www.budget.gov.au/2018-19/content/bp2/download/bp2_combined.pdf

Budget Paper No. 3: Federal Financial Relations -  contains information about financial assistance grants made by the Commonwealth to States and Territories. Includes specific purpose payments for health, education, roads, local government.  Also provides estimates of the amount of GST revenue that will be collected, and estimates of how much each state and territory will receive from the GST.

Go to:

https://www.budget.gov.au/2018-19/content/bp3/download/Budget%20Paper%203.pdf

Budget Paper No. 4: Agency Resourcing - deals with various types of appropriations that are used by the Government to fund entities and activities. Shows the amounts and types of appropriation that are expected to be utilised in the forthcoming year.

Go to: 

https://www.budget.gov.au/2018-19/content/bp4/download/BP4_full.pdf

[Sources http://parlinfo.aph.gov.au/parlInfo/download/library/prspub/4523572/upload_binary/4523572.pdf & https://www.budget.gov.au/2018-19/content/documents.html]

Lock The Gate back in court asking questions about "secretive deals" between NSW Coalition Government and Shenhua mining group

NSW Environmental Defender’s Office (EDO):

Lock the Gate Alliance v Dept of Planning & Environment / Dept of Premier & Cabinet

Our client Lock the Gate is seeking access to information held by the NSW Government about secretive deals relating to the “buy-back” of the coal exploration licence for Shenhua Watermark Coal Pty Limited’s (Shenhua) controversial Shenhua Watermark Coal Mine in the Liverpool Plains in north central NSW, one of the nation’s most productive agricultural regions.

Lock the Gate argues that the public has a right to know about deals made behind closed doors in relation to the exploration and development of the proposed Watermark coal mine. Lock the Gate argues that accountability and transparency in this case are essential given the significant predicted impacts of the Watermark mine on the Liverpool Plains, the nation’s agricultural industry, local communities and the environment.

On behalf of Lock the Gate, we are asking the NSW Civil and Administrative Tribunal to decide that the release of this information is in the public interest.

Farmland on the Liverpool Plains. Photo: Lock the Gate Alliance.

Background

In July and September 2017, respectively, Lock the Gate made applications to the NSW Department of Planning and Environment and the NSW Department of Premier and Cabinet for information about Shenhua’s application to renew its exploration licence for the Watermark mine. That information encompasses secretive dealings between Shenhua and the NSW Government that resulted in the buy-back of around 51% of the exploration licence, which covered the highly fertile “black soils” of the Liverpool Plains, at the cost of $262 million to the public.

Whilst the NSW Government claims that the buy-back was necessary to protect the black soils from mining, and thereby the agricultural industry of the Liverpool Plains, Lock the Gate contends that the buy-back will do nothing to lessen the expected impacts of the mine. Furthermore, Lock the Gate argues that the buy-back was completely unnecessary. The NSW Government could have used its powers under the Mining Act to reduce the size of the exploration licence by 50% upon its renewal without the payment of any compensation to Shenhua.The NSW Government could also have cancelled the exploration licence outright given that Shenhua had allegedly failed to comply with a condition of the licence that required substantial development of the Watermark mine to have commenced by October 2016, eight years after the initial grant of the licence in 2008.

The information sought by Lock the Gate includes Shenhua’s submissions on the licence renewal application, its request for the abovementioned licence condition to be suspended, Ministerial briefings and draft deeds of agreement about coal exploration and mining titles. The NSW Government has withheld this information on the basis that, amongst other things, it contains Cabinet information, was provided in confidence, or that its release may be prejudicial to Shenhua’s business interests – and therefore that there is an overriding public interest against its disclosure.

On the contrary, Lock the Gate argues that the overwhelming public interest in the release of the information is clear.

Access to this information will increase the accountability and transparency of the NSW Government in relation to the exploration and development of coal in the Liverpool Plains. This is particularly important in these circumstances where the Government has done deals with a private, foreign-owned, coal mining company behind closed doors and these have resulted in the expenditure of vast amounts of public funds without clear justification.

Access to this information is also vital for the public to have confidence in the decision-making processes of the NSW Government in relation to dealings about coal mining and exploration projects. This is essential where these dealings involve projects that are likely to have significant economic, social and environmental impacts and in which a number of stakeholders have expressed competing views. 

The more transparency around those deliberative processes, the more likely it is that they will be of high quality and will serve the public interest.

The matter is listed for hearing on 9 May 2018.

Brendan Dobbie, solicitor for EDO NSW, has carriage of this matter for Lock the Gate and our Principal Solicitor, Elaine Johnson, is the solicitor on record.

We are grateful to barrister Scott Nash for his assistance in this matter.

'Surrounded by secrecy'

Link to this case summary.

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Is Telstra selling customer location data? Did it ever specifically request permission from account holders?

https://www.telstra.com.au/content/dam/tcom/personal/privacy/pdf/sample-data-oct-2015.pdf

The Sydney Morning Herald, 4 May 2018:

Telstra is making money by on-selling location data from its customers' mobile phones in similar deals to a partnership with the Bureau of Statistics that caused a public backlash last week.

The Australian Bureau of Statistics came under fire for partnering with the telco for a study in 2016, which used mobile phone data showing how many people were in particular suburbs hour by hour.

Similar data is now available for a fee, after the Location Insights program was quietly launched by the telco in July 2016. The Australian Bureau of Statistics was the first licensee under the program, but has not used Telstra's Location Insights since then.

Data available to Telstra's clients can be broken down into 15 minute increments, and demographics broken down by age groups and gender. The smallest geographic areas available for analysis are the same as the Australian Bureau of Statistics' smallest statistical area, which have an average population of 400 people and could have as few as 200 people.

In a video used to spruik the service by Telstra, potential customers are listed as local governments and transport companies. It’s not clear how many organisations have used the service, or what the price tag is for such information.

“Imagine if you could know what is happening in your community, region, or city hub, every 15 minutes,” a voiceover in the Youtube video promoting the program said.

“Telstra Location Insights builds industry-specific metrics where data sets are used for modelling purposes and then extrapolated to estimate for the entire population,” a Telstra spokesman said.

“These metrics are aggregated spatially and temporally before differential privacy and k-anonymisation are both applied to completely anonymise the data.”

This explanation is not accepted by senior lecturer at the University of Melbourne Vanessa Teague.

“In order to know whether those things actually work, we need to see what the parameters are and how they're applied to the data in order to be assured that they’re applied correctly and they work,” Dr Teague said.

Dr Teague is chair of the Cybersecurity and Democracy Network and was part of a team of researchers who re-identified patient health records from Pharmaceutical Benefits Scheme data that was released by the government.

“It's possible that [anonymising the data] has been done correctly, it's also possible that they think it’s been done correctly but they’re wrong. And really the only way to assess that is to get a clear and detailed technical description of what they've done,” Dr Teague said.

“If they've done it right then there's no reason to be secretive about the details of what they’ve done, if they’ve done it wrong then they are better off getting a genuine open assessment of it so they can find out sooner rather than later.”

Telstra said the use of the information was in line with its privacy statement, which states that customers’ information could be shared with “our dealers, our related entities or our business or commercial partners and other businesses we work with”.

Dr Teague is sceptical about that explanation. “Just because a company holds highly sensitive information about you doesn’t mean that that data is their property that they should then be able to turnaround and sell without asking you,” she said.

Now when I read Telstra's privacy statement I do not recall that it mentioned that it would be selling mobile phone location information in SA1 statistical level data bundles captured at 15 minute intervals (as mentioned in the news article) and, that those bundles could be used to create data sets which track an individual's movements over time in relatively fine detail.

Yamba in the Clarence Valley NSW is a quiet little town with a population of approx. 6,076 persons living in 3,820 dwellings spread across est. 16 SLA1 statistical levels and in over 100 even smaller statistical Mesh Blocks.

http://stat.abs.gov.au/itt/r.jsp?ABSMaps 

I suspect that many Yamba residents will not be happy with the idea that Telstra Corporation Limited will alllow their movements to be tracked and their daily habits predicted if an individual, private company, government agency or political party pays them for the town's mobile phone location data.

Gladstone Qld inherits serial fantacist

Still trying to sell 'the dream", former truck driver Des Euan has moved on from Port Of Yamba NSW to Gladstone in Queensland....

The Observer, 16 March 2018:

North Coast Voices readers may recall that he was touting both the Yamba 'mega port' and the Gladstone mega logistics hub to the Dept. of Infrastructure and Development in August last year.

Following in his previous footsteps Euan has created a shell company, set up a website and is apparently well into his patter.

Both Resources and Northern Australia Minister and Liberal Senator for Queensland Matt Canavan and local state Labor MP for Gladstone Glen Butcher reportedly support Euan's scheme.

Perhaps the people Gladstone should ponder on the reasons why that ancient Roman maxim caveat emptor has lasted down the ages.

* Hat tip to Clarrie Rivers for supplying link the newspaper article.