Personal ethics are defined in many ways. Karma, spirituality, virtue, morals, and altruism are all avenues by which individuals define their own code of ethics. What each individual perceives as immoral behavior is left out of that code. Those who subscribe to a personal code of ethics find that it brings accountability into their lives, and fosters individuality through a philosophy of life all their own.
Personal ethics matter, and if you believe in karma then it is important to live an honest existence. Spirituality, virtue and morals can be defined in different ways, but a sense of altruism and the desire to be of service to others is vital to living an ethical life.
Personal ethics differ from person to person. Karma states that what you put out comes back to you, and spirituality serves as a guidepost for living in a positive manner. Some may argue that virtue and morals are subjective, but if one lives committed to altruism and the betterment of those around them then they are abiding by ethical law.
Personal ethics define who we are. Karma, spirituality, and virtue are all tools we use to define our own ethics. Within that code of ethics there is no room for immoral behavior, only accountability. Defining an ethical stance is a sure sign of individuality, and a blueprint for one's philosophy of life.