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US Federal Law

On June 30, 2000, Congress enacted the Electronic Signatures in Global and National Commerce Act ("ESIGN" or "the Act"), to facilitate the use of electronic records and signatures in interstate and foreign commerce by ensuring the validity and legal effect of contracts entered into electronically. Careful to preserve the underlying consumer protection laws governing consumers' rights to receive certain information in writing, Congress imposed special requirements on businesses that want to use electronic records or signatures in consumer transactions.

We have carefully analyzed ESIGN, and here is how we conform with each section.

Legal 101(a) Same as Ink An electronic signature may not be denied legal effect or validity just because it is electronic.
Paper 101(b) Right to Use Paper Users can always fill out, download, print and sign a paper copy of their document.
Disclosure 101(c) Disclosures User is presented with a clear message that he/she will be signing electronically.
Retention 101(d) Retention All documents, electronic signatures and audit records are securely stored and backed up on our servers.
Accuracy 101(d)(1)(A) Accuracy All documents and data are digitally signed using XML Signature Syntax and Processing standard to ensure accuracy and non-repudiation.
Accessibility 101(d)(1)(B) Accessibility All signing parties have access to their documents, signatures and audit records. These artifacts can be downloaded and printed.
Originals 101(d)(3) Originals The originals of any document may also be downloaded anytime.

State Laws

The Uniform Electronic Transactions Act (UETA) was proposed by National Conference of Commissioners on Uniform State Laws (NCCUSL). The main purpose of the act is to create legal framework for the use of electronic signatures and records in government or business transactions. UETA makes electronic records and signatures as legal as paper and manually signed signatures.

Forty-seven states, the District of Columbia, Puerto Rico, and the Virgin Islands have adopted the UETA. We have put together a list of states which adopted the law, along with the corresponding enactment dates.

We are compliant with UETA. Here is how we meet requirements in applicable sections of the law:

Link Section 2 Link signature with electronic record We logically link user's electronic signature with a copy of record of the original record.
Legal Section 7 Legal recognition of electronic signatures A contract may not be denied legal effect or enforceability solely because an electronic record was used in its formation.
Accessibility Section 8 Available to all parties We share documents, signatures and audit records with all parties participating in a transaction. These artifacts can be downloaded and printed.
Attribution Section 9 (a) Signature must be atrributed We provide Visual Signature that is attributable to a specific person. Our XML Signature also contains identifying user information.
Retention Section 12 Retention of records requirements All documents, electronic signatures and audit records are securely stored and backed up on our servers.
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