A secured party does not owe a duty based on its status as secured party to either of the following:

    (a) To a person that is a debtor or obligor, unless the secured party knows all of the following:

    (i) That the person is a debtor or obligor.

    (ii) The identity of the person.

    (iii) How to communicate with the person.

    (b) To a secured party or lienholder that has filed a financing statement against a person, unless the secured party knows both of the following:

    (i) That the person is a debtor.

    (ii) The identity of the person.