When is an individual considered a consumer of a licensee?

An individual is considered a consumer of a licensee when they give nonpublic personal information to the licensee. This relationship is established when a person engages with the licensee in a way that involves sharing sensitive information about themselves. The definition of a consumer in this context goes beyond simple awareness or feedback; it specifically involves the transfer of personal and identifiable information, which is critical for the licensee to provide personalized services or products. This highlights the importance of confidentiality and the handling of personal data in the context of insurance and financial services. Other choices, such as submitting a claim or merely providing feedback, do not necessarily require the exchange of nonpublic personal information, and being merely aware of the licensee does not imply a consumer relationship at all.