a) How to provide notices. A licensee shall provide any notices that this Part requires so that each consumer can reasonably be expected to receive actual notice in writing or, if the consumer agrees, electronically.

1. 1) A licensee may reasonably expect that a consumer will receive actual notice if the licensee provides notice by one of, but not limited to, the following methods:

   1. A) Hand-delivers a printed copy of the notice to the consumer;
   2. 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;
   3. 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;
   4. 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; or
   5. E) By electronic mail or posting, if the consumer agrees to receive notice by electronic means and the consumer acknowledges receipt of the notice.

2. 2) A licensee may not, however, reasonably expect that a consumer will receive actual notice of its privacy policies and practices if it, among other methods, provides notice by:

   1. A) Only posting a sign in its office or generally publishes advertisements of its privacy policies and practices; or
   2. B) Sending the notice via electronic mail to a consumer who does not agree to accept such notices via electronic mail.

b) Annual notices only. A licensee may reasonably expect that a customer will receive actual notice of the licensee's annual privacy notice if:

1. 1) 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; or
2. 2) 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.

d) Retention or accessibility of notices for customers.

1. 1) For customers only, a licensee shall provide the initial notice required by Section 4002.40(a) of this Part, the annual notice required by Section 4002.50(a) of this Part, and the revised notice required by Section 4002.80 of this Part, so that the customer can retain them or obtain them later in writing or, if the customer agrees, electronically.

2. 2) A licensee provides a privacy notice to the customer so that the customer can retain it or obtain it later if the licensee:

   1. A) Hand-delivers a printed copy of the notice to the customer;
   2. B) Mails a printed copy of the notice to the last known address of the customer; or
   3. C) 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.