I'm gonna be a pedant here. I understand (I think) what you're trying to express and differentiate. It's just the words aren't perfectly accurate.

"Personal" ethics are morals. Ethics are community based standards or principles, morals are personal standards. Some people equate morals to religious guidelines or principles, but morals don't have to be religious (nor do distinctions of good and evil, right and wrong). Personal understanding of what is right or wrong is a moral standing. It is possible to have morals (personal belief) based on ethics (community standard), but they are still morals.

IMO, anyway.

Morals can be principally driven, and often are even in people that don't understand the principle that underlies an ethical standard. For instance, a conscientious objector might still defend themselves or others from personal violence. In this case the underlying principle is one of, say, political neutrality, or perhaps political opposition, not pacifism. And yet the person themselves might not be able to put into words why is okay to use violence one on one, but not militarily. I'm rambling

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