My company requires customers, when activating their account via IVR or on our website, to agree to electronic (website/email)delivery of statements and disclosures and confirm that they have the means to access this information. We believe we are ok as far as those who access the website; and while we have records of the acknowledgements received via ivr, they haven't actually "demonstrated" the ability to access our website. Note: all customers receive a hard copy of our t&cs when they submit their account application. Thoughts