> ## Documentation Index
> Fetch the complete documentation index at: https://docs.tesouro.com/llms.txt
> Use this file to discover all available pages before exploring further.

# When disclosures are presented

> What each person sees and accepts at account application, user invitation, signer designation, and disclosure updates.

| Event | Who sees disclosures | What they accept |
| - | - | - |
| Account application | The applying Authorized Signer | The full stack: entity-level agreements (executed on behalf of the business), their own certification of authority, E-SIGN consent, and access terms. The applicant is identity-verified (KYC) during onboarding. |
| New user invited | The invited user, at first login | Person-level items only: E-SIGN consent, access terms, and privacy notice. No identity verification is required for ordinary users. |
| New Authorized Signer designated | The incoming signer, after bank KYC completes | Certification of authority, their own E-SIGN consent and access terms, and acknowledgment of the current versions of the entity-level agreements. The designation activates only after this stack is completed. |
| Bank updates a disclosure | Depends on update type and scope, see [Disclosure updates](https://docs.tesouro.com/embedded-banking/guides/disclosures/updates.md) | Existing customers are notified or re-prompted per the update's enforcement. New customers receive the new active version in the flows above. |

For the application flow itself, see [Bank account applications](https://docs.tesouro.com/embedded-banking/guides/bank-account-applications/overview.md).

## Every account needs an Authorized Signer

> [!WARNING]
>
> Every active account must have at least one active Authorized Signer. The platform blocks deactivating the last Authorized Signer and directs the business to the signer-change process. An account that loses all its signers enters a restricted state until a new signer is verified and completes the acceptance stack.


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