March/june 2024- question 2b

Question 2b APM March/june 2024 require:
“The CFO would like you to analyse any ethical issues involved in the purchase of the data
generally and to then specifically analyse the ethical issues for Curra arising from the points
raised by the charities.”
I propose the solution for the part:”specifically analyse the ethical issues for Curra arising from the points raised by the charities.” as follow:
“In this case there may be debate over the reponsibilities of curra to harsh-facing people as curra only act in accordance with regulation and does not violate the law for making loans to hash-facing people. Thereby, it needed not be criticized for their loan to such people, but they criticism should be based on illegal buying personal data from consulting companies to make targeted marketing. Maybe the responsibility for such harsh-facing people should be remained with the government, who take the overall responsibility to support most affected and ill people due to change in the way of the authority in zeeland and bad economic condition. The proposal to not making advertising to the most vulnerable people may stem from the consequent effect of making such loans to them, which lead to other loans and they will never escape from financial difficulties. However, taking from the viewpont of curra, curra should have the option to abandon the target marketing to such people, or not , because it is not the ultimate responsibilities of curra for such vulnerable people.”
I want to ask if this approach is acceptable and get full credit, as it is contrary to the sample answer which stated that curra is unethical to target the vulnerable individuals with adverts
for its products t?

-Moreover, the possible leaking of infromation from storage of data of curra is an ethical issue as the hackers can use this for fraudulent purposes. is it correct?