# WAC 284-04-200: WAC 284-04-200. Initial privacy notice to consumers required > Washington · Regulations · In force URL: https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_200 ## Section - **Citation:** WAC 284-04-200 - **Heading:** WAC 284-04-200. Initial privacy notice to consumers required - **Jurisdiction:** Washington - **Kind:** Regulations - **Status:** In force - **Text as of:** August 14, 2026 - **Source:** Compiled text - **Location:** Washington Administrative Code / Title 284 / Chapter 284-04 / Section 284-04-200 ## Text (1) Initial notice requirement. A licensee shall provide a clear and conspicuous notice that accurately reflects its privacy policies and practices to: (a) Customer. An individual who becomes the licensee's customer, not later than when the licensee establishes a customer relationship, except as provided in subsection (5) of this section; and (b) Consumer. A consumer, before the licensee discloses any nonpublic personal financial information about the consumer to any nonaffiliated third party, if the licensee makes a disclosure other than as authorized by WAC 284-04-405 and 284-04-410 ; (2) When initial notice to a consumer is not required. A licensee is not required to provide an initial notice to a consumer under subsection (1)(b) of this section if: (a) The licensee does not disclose any nonpublic personal financial information about the consumer to any nonaffiliated third party, other than as authorized by WAC 284-04-405 and 284-04-410 ; and The licensee does not have a customer relationship with the consumer; or (b) A notice has been provided by an affiliated licensee, as long as the notice clearly identifies all licensees to whom the notice applies and is accurate with respect to the licensee and the other institutions. (3) When the licensee establishes a customer relationship. (a) General rule. A licensee establishes a customer relationship at the time the licensee and the consumer enter into a continuing relationship. (b) Examples of establishing customer relationship. A licensee establishes a customer relationship when the consumer: plies and is accurate with respect to the licensee and the other institutions. (3) When the licensee establishes a customer relationship. (a) General rule. A licensee establishes a customer relationship at the time the licensee and the consumer enter into a continuing relationship. (b) Examples of establishing customer relationship. A licensee establishes a customer relationship when the consumer: (i) Becomes a policyholder of a licensee that is an insurer when the insurer delivers an insurance policy or contract to the consumer, or in the case of a licensee that is an insurance producer or insurance broker, obtains insurance through that licensee; or (ii) Agrees to obtain financial, economic or investment advisory services relating to insurance products or services for a fee from the licensee. (4) Existing customers. When an existing customer obtains a new insurance product or service from a licensee that is to be used primarily for personal, family or household purposes, the licensee satisfies the initial notice requirements of subsection (1) of this section as follows: (a) The licensee may provide a revised policy notice, under WAC 284-04-220 , that covers the customer's new insurance product or service; or (b) If the initial, revised or annual notice that the licensee most recently provided to that customer was accurate with respect to the new insurance product or service, the licensee does not need to provide a new privacy notice under subsection (1) of this section. (5) Exceptions to allow subsequent delivery of notice. (a) A licensee may provide the initial notice required by subsection (1)(a) of this section within a reasonable time after the licensee establishes a customer relationship if: (i) Establishing the customer relationship is not at the customer's election; or (ii) Providing notice not later than when the licensee establishes a customer relationship would substantially delay the customer's transaction and the customer agrees to receive the notice at a later time. (b) Examples of exceptions. within a reasonable time after the licensee establishes a customer relationship if: (i) Establishing the customer relationship is not at the customer's election; or (ii) Providing notice not later than when the licensee establishes a customer relationship would substantially delay the customer's transaction and the customer agrees to receive the notice at a later time. (b) Examples of exceptions. (i) Not at customer's election. Establishing a customer relationship is not at the customer's election if a licensee acquires or is assigned a customer's policy from another financial institution or residual market mechanism and the customer does not have a choice about the licensee's acquisition or assignment. (ii) Substantial delay of customer's transaction. Providing notice not later than when a licensee establishes a customer relationship would substantially delay the customer's transaction when the licensee and the individual agree over the telephone to enter into a customer relationship involving prompt delivery of the insurance product or service. (iii) No substantial delay of customer's transaction. Providing notice not later than when a licensee establishes a customer relationship would not substantially delay the customer's transaction when the relationship is initiated in person at the licensee's office or through other means by which the customer may view the notice, such as on a website. (6) Delivery. When a licensee is required to deliver an initial privacy notice by this section, the licensee shall deliver it according to WAC 284-04-225 . If the licensee uses a short-form initial notice for noncustomers according to WAC 284-04-210 (4), the licensee may deliver its privacy notice according to WAC 284-04-210 (4)(c). ## Nearby sections - [WAC 284-04-120 WAC 284-04-120. Definitions](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_120.md) - [WAC 284-04-200 WAC 284-04-200. Initial privacy notice to consumers required](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_200.md) - [WAC 284-04-205 WAC 284-04-205. Annual privacy notice to customers required](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_205.md) - [WAC 284-04-210 WAC 284-04-210. Information to be included in privacy notices](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_210.md) - [WAC 284-04-215 WAC 284-04-215. Form of opt out notice to consumers and opt out methods](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_215.md) - [WAC 284-04-220 WAC 284-04-220. Revised privacy notices](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_220.md) - [WAC 284-04-225 WAC 284-04-225. Delivery](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_225.md) - [WAC 284-04-300 WAC 284-04-300. Limits on disclosure of nonpublic personal financial information to nonaffiliated third parties](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_300.md) - [WAC 284-04-305 WAC 284-04-305. Limits on redisclosure and reuse of nonpublic personal financial information](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_305.md) - [WAC 284-04-310 WAC 284-04-310. Limits on sharing account number information for marketing purposes](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_310.md) - [WAC 284-04-400 WAC 284-04-400. Exception to opt out requirements for disclosure of nonpublic personal financial information for service providers and joint marketing](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_400.md) - [WAC 284-04-405 WAC 284-04-405. Exceptions to notice and opt out requirements for disclosure of nonpublic personal financial information for processing and servicing transactions](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_405.md) - [WAC 284-04-410 WAC 284-04-410. Other exceptions to notice and opt out requirements for disclosure of nonpublic personal financial information](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_410.md) - [WAC 284-04-500 WAC 284-04-500. Health information privacy policies and procedures](https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_500.md) --- Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_WA_ADC_284_04_200. Check the current official text before relying on it. Not legal advice.