Section 18.01.01.100 - INITIAL PRIVACY NOTICE TO CONSUMERS01.Initial Notice Requirement. A licensee will provide a clear and conspicuous notice that accurately reflects its privacy policies and practices to: a. A customer no later than when the licensee establishes a customer relationship, except as provided in Subsection 100.03 of this rule; andb. 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 Sections 451 and 452.02.Existing Customers. When an existing customer obtains a new insurance product or service from a licensee, which is used primarily for personal, family, or household purposes, the licensee satisfies the initial notice requirements of Subsection 100.01 of this rule if the 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 100.01 of this rule.03.Exceptions Allowing Subsequent Delivery of Notice. A licensee may provide the initial notice prescribed in Paragraph 100.01.a. of this rule in a reasonable time after the licensee establishes a customer relationship if: a. Establishing the customer relationship is not at the customer's election; orb. It would avoid substantially delaying the customer's transaction and the customer agrees to receive the notice at a later time.Idaho Admin. Code r. 18.01.01.100