Under what condition does a licensee not need to provide an annual privacy notice to a current customer?

A licensee is generally required to provide an annual privacy notice to current customers to inform them about how their personal information is handled. However, if the licensee has disclosed information in accordance with specific regulations and there have been no changes to their policies regarding the handling of that information, then they are not required to issue a new notice. This exception is important because it acknowledges situations where the existing privacy practices have already been communicated effectively and remain unchanged, thus eliminating the need for redundant notifications.

In contrast, not disclosing any personal information does not automatically exempt a licensee from the requirement of an annual notice; they still need to maintain communication about policies and protections in place, even if specific disclosures have not occurred. Similarly, a customer's decision to decline further service or not being in contact with the customer do not relate directly to the requirements for annual privacy notices. These conditions do not address the central issue of whether privacy policies have changed or if disclosures are compliant with the established guidelines that govern privacy notices.