You make all good points except for the dashboard. I don't believe that posting a message on your own property can be construed as sending a communication (and

You make all good points except for the dashboard. I don't believe that posting a message on your own property can be construed as sending a communication (and for something like this situation, we're talking about sending when we say communicating). It would be like having to go to a lender's headquarters for financial statements and tax documents.