(1) A licensee shall provide any notice required under this chapter so that each consumer can reasonably be expected to receive actual notice in writing or, if the consumer agrees, electronically. A licensee may reasonably expect that a consumer will receive actual notice if the licensee does any of the following:

    (a) Hand delivers a printed copy of the notice to the consumer.

    (b) 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.

    (c) 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.

    (d) 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.

    (2) The following do not provide a reasonable expectation that a consumer will receive actual notice of a licensee’s privacy policies and practices under subsection (1):

    (a) The licensee only posts a sign in its office or generally publishes advertisements of its privacy policies and practices.

    (b) The licensee sends the notice via electronic mail to a consumer who does not obtain an insurance product or service from the licensee electronically.

    (3) A licensee may reasonably expect that a customer will receive actual notice of the licensee’s annual notice in either of the following cases:

    (a) The customer uses the licensee’s website to access insurance products and services electronically and agrees to receive notices at the website and the licensee posts its current privacy notice continuously in a clear and conspicuous manner on the website.

    (b) The customer has requested that the licensee refrain from sending any information regarding the customer relationship, and the licensee’s current privacy notice remains available to the customer upon request.

    (4) A licensee shall not provide any notice required by this chapter solely by orally explaining the notice, either in person or over the telephone.

    (5) For customers only, a licensee shall provide the initial annual and revised notices so that the customer can retain them or obtain them later in writing or, if the customer agrees, electronically. A licensee provides an initial, annual, or revised notice to the customer so that the customer can retain it or obtain it later if the licensee does any of the following:

    (a) Hand delivers a printed copy of the notice to the customer.

    (b) Mails a printed copy of the notice to the last known address of the customer.

    (c) Makes the current initial, annual, or revised notice available on a website or a link to another website for the customer who obtains an insurance product or service electronically and agrees to receive the notice at the website.

    (6) A licensee may provide a joint notice from the licensee and 1 or more of its affiliates or other financial institutions, as identified in the notice, if the notice is accurate with respect to the licensee and the other institutions. A licensee may also provide a notice on behalf of another financial institution, as identified in the notice, if the notice is accurate with respect to the licensee and the other institution.

    (7) If 2 or more consumers jointly obtain an insurance product or service from a licensee, the licensee may satisfy the initial, annual, and revised notice requirements by providing 1 notice to those consumers jointly.