>> "An actuary finds a link between late night cell phone usage and mental illness X. They determine that given your cell phone usage pattern, you have an 50% chance of illness X. Such information is sold to insurance companies, employment background check companies, yada yada"

What scares me about this is that there is a place in the world having an illness affects your employment prospects and costs you money (insurance).

Aren't there laws in place about selling/sharing individualized personal information?

If not, then I think there should be so apps that simply want to use aggregated data will be allowed and will be guaranteed to be safe.