Ins 25.04(22)(a)3.3. Information the licensee otherwise obtains about a consumer in connection with providing an insurance product or service to that consumer.

Ins 25.04(22)(b)(b) The following are examples of personally identifiable financial information:

Ins 25.04(22)(b)1.1. Personally identifiable financial information includes any of the following:

Ins 25.04(22)(b)1.a.a. Information a consumer provides to a licensee on an application to obtain an insurance product or service.

Ins 25.04(22)(b)1.c.c. The fact that an individual is or has been one of the licensee’s customers or has obtained an insurance product or service from the licensee.

Ins 25.04(22)(b)1.d.d. Any information about the licensee’s consumer if it is disclosed in a manner that indicates that the individual is or has been the licensee’s consumer.

Ins 25.04(22)(b)1.e.e. Any information that a consumer provides to a licensee or that the licensee or its agent otherwise obtains in connection with collecting on a loan or servicing a loan.

Ins 25.04(22)(b)1.f.f. Any information the licensee collects through an internet information-collecting device from a web server.

Ins 25.04(22)(b)2.2. Personally identifiable financial information does not include any of the following:

Ins 25.04(22)(b)2.b.b. A list of names and addresses of customers of an entity that is not a financial institution.

Ins 25.04(22)(b)2.c.c. Information that does not identify a consumer, such as aggregate information or blind data that does not contain personal identifiers such as account numbers, names or addresses.

Ins 25.04(23)(a)(a) “Publicly available information” means any information that a licensee has a reasonable basis to believe is lawfully made available to the general public from any of the following:

Ins 25.04(23)(a)1.1. Federal, state or local government records.

Ins 25.04(23)(a)2.2. Widely distributed media.

Ins 25.04(23)(a)3.3. Disclosures to the general public that are required to be made by federal, state or local law.

Ins 25.04(23)(b)(b) A licensee has a reasonable basis to believe that information is lawfully made available to the general public if the licensee has taken steps to determine all of the following:

Ins 25.04(23)(b)1.1. That the information is of the type that is available to the general public.

Ins 25.04(23)(b)2.2. Whether an individual can direct that the information not be made available to the general public and, if so, that the licensee’s consumer has not done so.

Ins 25.04(23)(c)1.1. Publicly available information in government records includes information in government real estate records and security interest filings.

Ins 25.04(23)(c)2.2. Publicly available information from widely distributed media includes information from a telephone book, a television or radio program, a newspaper or a web site that is available to the general public on an unrestricted basis. A web site is not restricted merely because an Internet service provider or a site operator requires a fee or a password, so long as access is available to the general public.

Ins 25.04(23)(c)3.3.

Ins 25.04(23)(c)3.a.a. A licensee has a reasonable basis to believe that mortgage information is lawfully made available to the general public if the licensee has determined that the information is of the type included on the public record in the jurisdiction where the mortgage would be recorded.

Ins 25.04(23)(c)3.b.b. A licensee has a reasonable basis to believe that an individual’s telephone number is lawfully made available to the general public if the licensee has located the telephone number in the telephone book or the consumer has informed the licensee that the telephone number is not unlisted.