Disclosure scopes - Tesouro

Scope	Who responds	What it binds	Satisfied when	Examples
`entity`	Any one current Authorized Signer, on behalf of the business	The business entity	Any one current Authorized Signer accepts. The first acceptance clears it for everyone.	Deposit account agreement, fee schedule, funds availability policy
`signer`	Each Authorized Signer, in their signing capacity	That signer personally, as to actions on the account	Each Authorized Signer responds individually	Certification of authority, acknowledgment of the current account agreement at signer designation
`person`	Every user, for themselves	That individual only, never inherited from another user	Each user responds individually	E-SIGN consent, platform access terms, privacy notice delivery

One document, two scopes

A single document can serve two scopes. The deposit agreement is executed once at the entity level when the account opens. Each additional signer later acknowledges it at the signer level. That acknowledgment binds the new signer to terms already in force; it doesn’t re-execute the contract.

Next steps

See when disclosures are presented for which scopes apply at each moment in the customer lifecycle.