Peter has obtained a great deal of personal information concerning his client while fact$-$finding and completing an application for a disability insurance policy. All of the following would be considered grounds that permit Peter to ethically disclose the information he received, EXCEPT:

$($Search Chapter $3)$

a$.$ The client has consented to the disclosure.

b$.$ The disclosure is required by law.

c$.$ The disclosure is necessary to discharge Peter's professional duties.

d$.$ The disclosure will help Peter in his marketing activities.