Create TOS Session

Creates a TOS (Terms of Service) signing session for individual onboarding. This is Step 1 before creating an application.

Flow

1. Call this endpoint to generate a TOS signing URL
2. Redirect the user to the returned url
3. User reviews and signs the TOS agreement
4. After signing, user is redirected to your redirect_url with the signed_agreement_id
5. Use the signed_agreement_id to create the application via POST /v1/individuals/applications

Session Expiration

The session token and URL expire in 1 hour. If expired, create a new session.