"The real question"? Really?
You have no right at all to know what is on my "secret list". I have compiled it by digesting every news article published worldwide on the subject of underwater cribbage, and cataloging the names mentioned in any way. My reasoning is that people who have anything to do with that horrible sport are more likely to die by drowning, and I will base my Life Insurance rate quotes to them on that belief.
You want to know who is on the list and why? Tough.
You want to sue me for unfair business practices? Go ahead. But don't whinge about actuarial tables that say middle aged black men are more likely to die of heart disease than young females from the Mediterranean. While liars may figure, figures don't lie.
Any company has a fiduciary responsibility to manage risk. One way to manage risk is by getting as much information as you can and making decisions based on that information. If you have bad information, you're not doing it right. But if you have no information, or are proscribed from making decisions based on what you know, you are (rightfully) out of business.