"Mere silence as to facts is not fraud". Explain with examples.

In business law, the principle "Mere silence as to facts is not fraud" asserts that silence or omission of facts does not automatically constitute fraudulent behavior. Fraud typically involves a deliberate misrepresentation or concealment of material facts to deceive another party for unlawful gain. However, simply withholding information, unless there is a duty to disclose, does not necessarily meet the threshold for _____ _________ _______ ____ _______ ________ _____ ____.
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