Ins 25.25(2)(a)2.2. Mails a printed copy of the notice to the last known address of the consumer separately, or in a policy, billing or other written communication. Ins 25.25(2)(a)3.3. For a consumer who conducts transactions electronically, posts the notice on the electronic site and requires the consumer to acknowledge receipt of the notice as a necessary step to obtaining a particular insurance product or service. Ins 25.25(2)(a)4.4. For an isolated transaction with a consumer, such as the licensee providing an insurance quote or selling the consumer travel insurance, posts the notice and requires the consumer to acknowledge receipt of the notice as a necessary step to obtaining the particular insurance product or service. Ins 25.25(2)(b)(b) Examples of unreasonable expectation of actual notice. A licensee may not, however, reasonably expect that a consumer will receive actual notice of its privacy policies and practices if it does any of the following: Ins 25.25(2)(b)1.1. Only posts a sign in its office or generally publishes advertisements of its privacy policies and practices. Ins 25.25(2)(b)2.2. Sends the notice via electronic mail to a consumer who does not obtain an insurance product or service from the licensee electronically. Ins 25.25(3)(3) Annual notices only. A licensee may reasonably expect that a customer will receive actual notice of the licensee’s annual privacy notice if it does any of the following: Ins 25.25(3)(a)(a) The customer uses the licensee’s web site to access insurance products and services electronically and agrees to receive notices at the web site and the licensee posts its current privacy notice continuously in a clear and conspicuous manner on the web site. Ins 25.25(3)(b)(b) The customer has requested that the licensee refrain from sending any information regarding the customer relationship, the licensee maintains a record of the request and the licensee’s current privacy notice remains available to the customer upon request. Ins 25.25(4)(4) Oral description of notice insufficient. A licensee may not provide any notice required by this chapter solely by orally explaining the notice, either in person or over the telephone. Ins 25.25(5)(5) Retention or accessibility of notices for customers. Ins 25.25(5)(a)(a) For customers only, a licensee shall provide the initial notice required by s. Ins 25.10 (1) (a), the annual notice required by s. Ins 25.13 (1), and the revised notice required by s. Ins 25.20 so that the customer can retain them or obtain them later in writing or, if the customer agrees, electronically. Ins 25.25(5)(b)(b) Examples of retention or accessibility. A licensee provides a privacy notice to the customer so that the customer can retain it or obtain it later if the licensee does any of the following: Ins 25.25(5)(b)2.2. Mails a printed copy of the notice to the last known address of the customer. Ins 25.25(5)(b)3.3. Makes its current privacy notice available on a web site or a link to another web site for the customer who obtains an insurance product or service electronically and agrees to receive the notice at the web site. Ins 25.25(6)(6) Joint notice with other financial institutions. A licensee may provide a joint notice from the licensee and one or more of its affiliates or other financial institutions, as identified in the notice, as long as the notice is accurate with respect to the licensee and the other institutions. A licensee also may provide a notice on behalf of another financial institution. Ins 25.25(7)(7) Joint relationships. If two or more consumers jointly obtain an insurance product or service from a licensee, the licensee may satisfy the initial, annual and revised notice requirements of ss. Ins 25.10 (1), 25.13 (1), and 25.20 (1), respectively, by providing one notice to those consumers jointly. Ins 25.25(8)(8) Multiple insurance products or services. If a consumer or two or more consumers jointly seek to obtain or obtain multiple insurance products or services from a licensee or its affiliates, the licensee may satisfy the initial, annual and revised notice requirements of ss. Ins 25.10 (1), 25.13 (1), and 25.20 (1), respectively, for the licensee and its affiliates by providing one notice to those consumers. Ins 25.25 HistoryHistory: Cr. Register, June, 2001, No. 546, eff. 7-1-01. Ins 25.30Ins 25.30 Limits on disclosure of nonpublic personal financial information to nonaffiliated third parties. Ins 25.30(1)(a)(a) Conditions for disclosure. Except as otherwise authorized in this chapter, a licensee may not, directly or through any affiliate, disclose any nonpublic personal financial information about a consumer to a nonaffiliated third party unless all of the following have occurred: Ins 25.30(1)(a)3.3. The licensee has given the consumer a reasonable opportunity, before it discloses the information to the nonaffiliated third party, to opt out of the disclosure.