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Create Electronic signature Presentation Simple. Check out by far the most end user-friendly exposure to airSlate SignNow. Handle your complete record processing and revealing process electronically. Change from hand held, papers-structured and erroneous workflows to computerized, electronic digital and perfect. It is simple to make, supply and indicator any documents on any device everywhere. Make sure that your important company situations don't fall overboard.
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- Get any legal web template, construct on the web fillable types and talk about them safely.
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FAQs
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What is the new instantaneous payment system being used at Target?
This is a great question! I have some direct and indirect knowledge of this program. The way Target has crafted the retail transaction experience I think portends to the direction I believe a vast majority of retail experiences will migrate to. I will digress with a bit of background.Target And TechnologyTarget has always been on the leading edge of technology on front end systems and back end systems. Most of the technology is not seen and operating in the background. For example, the POS and Inventory management software is so well tuned, that it does an incredible job in predicting demand for a particular item up to the not only the day, hour or minute, but to the second.They also have a great deal of foresight in branding most customer facing technology in the store's iconic color of Red. And look to the finest detail on how to improve the entire check out experience. Not just optimized for speed (see Walmart) but optimized for the best possible experience. This is one of the largest forces driving the company's adoption of technology and perhaps the high wisdom that is seen in the way they deploy this technology. There is a great deal of study in retail psychology that most of us are not aware of that plays out when you are completing a purchase. You and I want to get through the checkout line in a very efficient manner. We want the experience to be fast, but perhaps not too fast. The 10 feet that surrounds a checkout line has some of the highest profitability for most retailers and we as consumers love this little area. So Target thought very long and hard about the entire process and signNowed out to a number of industry experts over the last 15 years to help craft the best possible experience we see today.Electronic Signatures. Swipe And Sign Before The Final Barcode ScanTarget was one of the first national retailers to embrace electronic signature pads instead of signing a paper receipt. They did this not so much for how it allowed the company to not need to manage and store the customer's signed receipts, that was important, but more so on how much faster the check out process was conducted. The new technology allowed for a new concept in retail, the early presentation and authorization of the transaction, prior to the final barcode scan. It allows the customer to swipe their Payment Card and sign the receipt all before the last product was bagged. Target was one of the first retailers to implement this very new experience. It sure seems simple and logical today, but it was anything but that when the ideas were being hashed out.Over the years. Target has experimented with a number of customer facing systems from IBM, Verifone and Hypercom. The most recent standardization is with a customized version of the Hypercom Optimum L4150 High-Performance Multi-Lane Payment and Advertising Terminal.Hypercom L4150How Does Target Speed Up Payment Card Acceptance?There are many parts that go into creating the very speedy Payment Card experience at most Target stores. As mentioned above the customized L4150 is the point of interaction and allowed for much of the changes we see in the checkout experience. But there is a lot going on in the background. The L4150 is connected to the POS system usually and IBM SurePOS 500 or 700 and routed through custom software that is connected to the Payment Card Authorization systems. All of this tech has been optimized by and for Target. The process starts when the customer swipes the Payment card and this can be the moment the first item is scanned by the cashier. Once the card is swiped there is an immediate request for a signature. When the last item is scanned the system completes the transaction and prints the last lines of the receipt and this can be as fast as 2 seconds. If one waits to the end of the last scan to swipe the credit card and the transaction is below $50 there will be no prompt for a signature and this is equally as fast. A Pleasant Surprise The entire process is designed to be highly efficient and very simple for the consumer to translate. It comes as a pleasant surprise to just about all of us, even when when have experienced the process before. It is in stark contrast to most Payment Card transaction experiences. This well thought out process is combined with one of the fastest Payment Card Authorization network connections, at a major retailer, using M-Dex ((Merchant Direct Exchange) established by Visa to process at 1mb+ speeds for very large retailers (500,000+ transaction/month). The entire backend is driven by a 5mb-25mb connection to the Target's VPN (Virtual Private Network) using Microsoft's Virtualization solution— Hyper-V. The system is run on Dell R710 servers for the hosts running Hyper-V and Dell MD1000 storage units. There are 15,000 virtual guests running on more than 3,600 Hyper-V hosts across the entire store network. This supports updates to more than 300,000 endpoints across the network, including servers, virtual machines, mobile devices, PCs, and POS registers. Target, with about 1,768 stores, usually has no IT personnel on-site and has found the Hyper-V virtualization allows a vast majority of issues to be solved at the data center and not locally. Microsoft has a great case study of some aspects of Target’s backend technology with the use of the Hyper-V product here: Microsoft Case Study: Microsoft Services - Target Corporation.This system shows a rather huge commitment to technology and a desire to create the most optimal consumer experience. To see how the same set of circumstances is translated with other national retailers, visit Walmart or Kmart and judge the experience. In Walmart's case, they have a profound, "If it was not invented here, it is not relevant" attitude with its study of the retail experience, and one can surmise if this translates to a richer experience for its customers. By contrast, Target is more than willing to continue to test and experiment and to signNow outside of the company for experts that have studied these processes. I personally think Target is the best example one can find in balancing all important aspects and crafts into one of the top 5 best retail experiences and I feel strongly that wise retailers can gain great insights by studying Target and the way they see its customers.
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What are the best electronic signature (e-signature) solutions on the market, in your opinion?
[full disclosure: I’m VP Digital Transformation at Solutions Notarius Inc., a company that supplies electronic and digital signature solutions]It completely depends on the requirements. I do not believe there is a uniquely better e-signature solution for all scenarios. For example, if the type of documents to be signed require low to medium reliability only, most modern e-signature platforms could be ok, subject to meeting legal requirements in the applicable jurisdiction, but if the document must meet stringent regulatory and statutory requirements that include high reliability of identity of signers, those platforms do not typically meet that threshold.Ideally, you would analyze, define and obtain agreement as to what constitutes the minimal acceptable legal reliability threshold you are willing to accept - or that readers of that document will accept. Next, define the technology requirements that correspond to that threshold. Finally, research e-signature options that meet these requirements and provide the best combination of price, features, scalability, etc..Finally, it should be noted that higher legal reliability e-signature platforms and solutions can always accommodate lower reliability documents while the converse is not true…
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What are the best altcoins (June 2019)?
Litecoin is the best Altcoin to posses. It is the fastest rising cryptocurrency after bitcoin.3 Reasons to Buy LitecoinWe've entered the age of digital currency. Bitcoin has gone from relative obscurity to being a household name. In December 2017, the coin smashed its way through the $19,000 barrier like an angry bull in a china shop.Bitcoin’s dominating presence tends to drown out its contenders. But there are actually quite a few other digital currencies that investors should pay attention to, too.Of these, a handful is poised for dynamic growth. And we published this report to talk about one of the most promising: Litecoin.In 2017, Litecoin skyrocketed alongside many of its digital currency peers, hitting highs near $400 before retreating because of regulatory pressure from many countries.Litecoin was the third currency that investors could purchase on popular digital currency exchange Coinbase. And now, a hyped-up digital currency public has some questions:What is Litecoin?How is it better than Bitcoin?How do you invest?Over the course of this report, we answer those questions. And we start at Litecoin’s humble beginnings...What Is Litecoin?In October 2013, former Google engineer Charles Lee introduced the world to a new altcoin: Litecoin.The coin was introduced as the silver to Bitcoin’s gold, and Lee promised that the digital currency would fix many of Bitcoin’s problems.At the time that this report was written, Litecoin has a market cap of over $9.67 billion. And Litecoin’s technology makes it one of Bitcoin’s most aggressive competitors. If you evaluate the two currencies from the surface, they could be twins because they share dozens of valuable characteristics.Like Bitcoin, Litecoin was created to provide a peer-to-peer transaction system. It allows individuals to make payments or transactions anywhere in the world with relatively low fees.And like Bitcoin, Litecoin is decentralized. There's no centralized authority, building, or headquarters for it. The currency flows freely on the internet.What this means is it's far more secure than paper currency. Because no government can regulate or overproduce it, Litecoin’s value rests in the hands of the people.Like almost all digital currencies, litecoins are produced through a process called “mining.”Miners use computers to process Litecoin transactions, which are presented as algorithms that the computers must solve.When the computers solve the problems, more litecoins are added to the network and the miners are rewarded with their shares.There is a fixed amount of litecoins in the world — the volume of litecoins can never exceed $84 million. After we signNow that point, the currency has the ability to be broken down into minute payments.The mining process and the currency’s finite cap shield Litecoin against hyperinflation.Bitcoin, like Litecoin, also has a finite supply, is produced by mining, and is a money for the people. That being said, there are some ways in which Litecoin is different from Bitcoin...And it's from those differences that Litecoin gleans its value as a digital currency...Why Litecoin Is UniqueBitcoin was the first digital currency in the world, and that has given it a leg up on the competition. But Bitcoin’s early arrival is also the source of many of its shortcomings.Today, the developers behind major digital currencies have identified Bitcoin’s weaknesses and have altered their currencies to fix the issues.This means that even though Bitcoin was the first one to use certain technologies — specifically a groundbreaking technology called blockchain — the currencies that followed might use the technology more efficiently...1. The Better BlockchainBlockchain technology is the foundation of all digital currencies. Envision it like this...Every time a transaction or exchange happens in a digital currency network, the information involved with that transaction is recorded in a “block.” Each of these blocks is added to the continuously growing blockchain.Anyone on the network has access to the information in the blockchain. This means that transactions are public knowledge, even if the users remain anonymous. Users are only tied to the transactions taking place on the blockchain through an electronic signature that offers a fair degree of anonymity. This framework also makes digital currency very secure.Even though both Litecoin and Bitcoin use blockchain technology, Litecoin has a far faster transaction speed with a transaction being confirmed every 2.5 minutes, compared to the 10 minutes it takes to confirm a Bitcoin transaction.This appeals to both users and merchants who want faster transactions.With Litecoin, you get both security and speed.And this speed just kicked up a notch.On May 10, 2017, Segregated Witness (SegWit) was activated in the Litecoin blockchain. SegWit is the process in which blocks in the blockchain are made smaller by the extraction of signature data from transactions.This process allows Litecoin to process lightning fast payments.The first of these payments happened on May 11, 2017. Money was sent from Zurich to San Francisco in under a second.But Litecoin is valuable because of more than just its speed. It also has widespread consumer appeal...2. A Love of Rounded NumbersIn the world of digital currency, the number of coins that can exist is finite. There can never be more than a certain amount of bitcoins in the world, and the same applies to litecoins. But the total amount of coins that can exist varies by digital currency.This actually works in Litecoin’s favor. Litecoin will eventually have more coins on the market than Bitcoin. And that appeals to consumers who want a simple, effective digital currency.A study by Dr. Judith Holdershaw, a senior lecturer at Massey University, concluded that 57% of retail shoppers opt for a product with a rounded price. Even more telling, 4% of those customers paid more just to round up the price. The proof is in the pudding: People like to pay with full numbers.This could explain our aversions to pocket change and loose bills.Because there will be fewer bitcoins in circulation, they will have to be broken down into decimals. That means you will end up paying 0.002 BTC for a cup of coffee.Since more litecoins can be on the market than bitcoins, it's more likely that people will be able to buy commodities with whole numbers...3. Simpler AlgorithmOutside transaction speed and volume, there's another key difference between the two currencies: the algorithms.For those of you who are completely new to digital currency, digital currencies are composed of codes.In the case of Bitcoin and Litecoin, those codes use two different algorithms.Bitcoin uses the SHA-256 hashing algorithm, and Litecoin uses a scrypt-hashing algorithm.Now, both of these algorithms are powerful. But over the years, the SHA-256 has made it more and more complex to get bitcoins through the mining process. Bitcoin miners have to employ increasingly complex technology to extract a relatively small amount of bitcoins.Litecoin’s scrypt-hashing algorithm makes it easier for miners to access the system.And the simplicity of Litecoin mining could actually steal Bitcoin miners. It's true that Bitcoin is worth signNowly more than Litecoin, but most Bitcoin mining is carried out by supercomputers. The algorithms have become too hard for everyday miners to crack.This means that many miners who are tired of struggling over Bitcoin may end up transitioning over to Litecoin...How to InvestIt's clear that Litecoin will be a powerful digital currency. Of course, it’s still too early in the game to speculate on what tender will win the digital currency race.In fact, there could be no winner. The future financial system could operate through the use of dozens of digital currencies. And Litecoin will likely be one of them.
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Should I buy top coins (ETH, LTC, BCH, XRP, etc.) now (September 2019) instead of buying BTC?
I think you buy those other coins at your own peril. Litecoin went from a high of over $300 and then crashed with all the others. Only bitcoin is regaining a major share of its previous high. Litecoin recovered up to $140 and was supposed to do well with the halving. The only ‘halving’ occurred on its price as it is now in the $70’s. (now $65) Its manager said no new development has been going on for months now.XRP is an investment ‘joke’ as it is designed to be a stable coin so how will that appreciate for you in the future? It had a high of $3 and now less than a tenth of that. 10% recove...
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Information Security: How can I get a Digital Signature?
Digital signatures are being widely used across the globe. There is a specific process to acquiring the signature. The way of acquisition is standard, no matter what country you’re trying to get the signature in. Digital signatures are created and issued by qualified individuals. For anyone to get a valid digital certificate, they must get it from a signNowing authority (CA). The signNowing Authority (CA) is a kind of Trust Service Provider - a third party provider designated and trusted by the country. It has the power of issuing citizens digital signatures. These CAs have rules and regulations they abide by. While in the USA, you can use the following CAs signNow US Globalsign Hello Sign When in the UK, you can use the following CAs signNow E-sign.co.uk signNow UK When you are in India, you can use the following CAs to get your digital signature certificate. eMudra Digital Signature India Government Approved signNowing Authorities These are some of the trusted sites that you can use to get your digital signature certificate in India, the UK, and the USA. They comply with every rule that governs electronic signatures, and you will get the best experience with them. Meanwhile, if you’re looking for e-signature software for your work, I recommend checking out signNow - with a high level of security, plenty of advanced features and overall ease of use, this application is a good fit for both small and medium-sized companies, startups, law-firms, and individual use as well. With signNow, you can: MANAGE SIGNATURE TASKS ● Visual progress bar - Monitor signature tasks by intuitively checking all signers’ status ● Timeline of Personal Activities - Display and record activities of all your personal tasks ● Void signature requests - Cancel signature tasks with one tap ●Search tool - Find your documents easily by searching with names of people or documents ASSIGN SIGNATURE TASKS TO MULTIPLE SIGNERS ●Invite multiple signers by adding them straight from your contact list or entering their email accounts ● Assign various fields to signers in a designated order, including signatures, texts, and dates ● Send documents to multiple signers at one time ● Show your signers where to fill in at a glance IMPORT DOCUMENTS TO START SIGNING ●Get documents from camera, photos, or the iOS file app ●Obtain documents from various cloud services, including Dropbox, Google Drive, and more ●Open-in documents from email attachments and the web PERSONALIZE YOUR SIGNATURES ● Create signatures with free-hand drawing ● Make stamps by using your camera or photos ● Pre-fill your personal information and quickly drag and drop it to the document ● Add signatures, initials, texts, and dates to documents All these features keep your documents well-organized, while the ability to track the entire signing process eases the overall task. With top-notch security, legally-binding audit trails and 2-factor authentication, this application will improve your workflow and save plenty of both time and money. Plus, the multi-platform option gives you the freedom to work across various devices. Disclaimer: I am part of Kdan’s team, and my answers might be a bit biased.
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What are some great free online tools for entrepreneurs?
There’s quite a lot out there, depending on what you’re looking for :)Some free online tools (in no particular order):Dropbox. Save and share everything.Evernote. Best note app ever.FreePik. Find thousands of free images.SurveyMonkey. Create surveys to gauge customer feedback.Rapportive. Useful tool for Gmail that allows you to see other people’s social media profiles.Trello. Project management made simple.Slack. Work communication simplified.AdCat. Allows you to use a single picture to get perfect-sized, up-to-date ad images for Facebook, Instagram, and Twitter. Free.Easel.ly. Great infographic generator for creating attractive content. Engaging content is vital for attracting audiences.Google Analytics. See who’s coming to your site and from where, among many many other awesome functions.Sidekick. Awesome email tool that tracks when emails are opened — super useful for proper follow-ups.Hotjar. Recordings of users on your website. Amazing to understand user behavior, which drives marketing strategies.Hootsuite. For social media management in one easy to use dashboard.Leadin by Hubspot. For lead management.Ahrefs. Powerful SEO tool.Later. Instagram consistently shows amazing engagement with users. This tool manages scheduling for you.Crowdfire. Great tool to figure out who to follow on social media for optimal engagement.BuzzSumo. Analyze what content performs best.Social Rank. Allows you to see which are your most valuable followers.UberSuggest. Free keyword suggesting tool.LinkMiner. Free tool for the link building strategy.JustsignNowOut. Finds journalists interested in covering you.Keyword.io. Free keyword research tool for SEO.MailChimp. To run automated email campaigns.Optimizely. A/B testing to optimize your website.Google Trends. Shows how often a particular search-term is entered.TweetDeck. Owned by Twitter, it makes discovering content easily digestible and allows you to find the topics and people you want.Title Maker. Content idea generator.Explore. Get to know what’s trending.Engage Master. Convert visitors to customers.Startup Bootstrap. Website building templates.Submit.co. Get press for your startup.SumoMe. Tool set to grow your website traffic.Quip. View documents on any device.Atomic Squirrel. Startup checklist.There’s tons more out there depending on what you are looking for specifically. I’m happy to update and reorganize if you need more :)Disclosure: I’m working on AdCat.
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What is the best workflow for creating a website for a client in the present scenario?
Instead of using WP go for any other CMS. Personally suggesting go for Joomla. Instead sliding psd , get the premium theme or free version from themeforest or templatemonster or something like that. HARD WORK is good thing for oneself but for corporate or bussiness point of view you should adopt SMART WORK.
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What are the regulations for online beer sales in the UK?
Selling online: an overview of the rulesThis is an edited version of a guide for businesses.E-commerce TMT & Sourcing TMT Retail Education UKThere has been a steady growth in the variety and volume of goods and services which are available on-line to both businesses and consumers, and on-line selling is increasingly seen as a major way for all businesses to save costs. Almost inevitably, as the practice of on-line selling proliferates so does the amount of legislation governing it. This article provides an overview of the law governing on-line sales in the UK and an analysis of the issues that a business should consider before setting up an on-line sales process.The law governing online salesThere are two distinct types of legislation that affect on-line retailers. Firstly, traditional consumer protection regulations apply to all consumer sales made on-line. These regulations are well established, but it is important to remember that they apply to on-line retailers as much as they do to traditional ones. Secondly, there are regulations designed specifically to deal with problems and issues facing retailers on-line.Traditional consumer protection regulationsThese protect purchasers and consumers whether they are buying the goods over the counter of a shop or over the internet. For instance the Sale of Goods Act gives certain rights to purchasers about the quality of the goods they receive, and their rights if the goods fail to live up to these standards. The Consumer Credit Act protects consumers' rights when they enter into an agreement for someone to provide them with loans or credit facilities including circumstances where they buy goods or services using a credit card. The Unfair Terms in Consumer Contract Regulations protect consumers' rights where they enter into agreements with retailers who try to impose unfair terms in the agreement. There are also numerous other pieces of legislation, many of which will apply to different contract and product types.Online regulationsThese regulations are new, and were brought into force largely to protect consumers' rights when they buy products either over the internet or by telephone. They largely derive from EU Directives, and include the E-commerce Regulations , the Distance Selling Regulations and the Electronic Signatures Regulations . These are the regulations that control the actual on-line sales process and they provide the starting block from which we can consider the practical business requirements of on-line retailers.Although the traditional consumer regulations are important for all sales processes, this article focuses on the on-line regulations and how they affect the various stages of the on-line sales process. The next five sections take you through what the regulations require including information that must be provided to a purchaser, the use of electronic signatures, contract formation issues and ensuring your contract is legal.Information that must be suppliedThe various regulations share a central theme: companies should not hide themselves from purchasers, and should provide as much information to purchasers as possible.Company information that must be supplied under the E-Commerce RegulationsThe E-Commerce Regulations require that all commercial web sites make the following information directly and permanently available to consumers via the website:the company's name, postal address (and registered office address if this is different) and email address;the company's registration number;any Trade or Professional Association memberships;the company's VAT number.All of this applies regardlessof whether the site sells on-line. In addition, any commercial communication – that is any email or even SMS text message – used in providing an "Information Society Service" must display this information.The E-Commerce Regulations also require that all prices must be clear and unambiguous, and web sites must state whether the prices are inclusive of taxes and delivery costs.Contractual information that must be supplied under the E-Commerce RegulationsWhen it comes to actually going through the contractual process the requirements for information increase once again and the consumers must be told:the steps involved in completing the contract on-line;whether the contract will be stored by the retailer and/or permanently accessible;the technical means the site uses to allow consumers to spot and correct errors made while inputting their details prior to the order being placed;the languages offered to conclude the contract;The website must also provide links to any relevant Codes of Conduct to which the retailer subscribes and set out the retailer's Terms and Conditions, in a way which allows users to save and print them.All of this information must be provided before the purchaser selects the product and starts the contractual process and it is possible to convey it early on in the sale, without deterring users with an unwieldy sales process. The most common route is to bundle as many of these details into the terms and conditions as possible, and ensure that consumers are appropriately directed to read them.Information that must be supplied under the Distance Selling RegulationsThese Regulations set out the information which must be provided to a consumer prior to the conclusion of the contract.The information must be provided in a clear and comprehensible manner which is appropriate to the means of distance communication used. This means that the information can be set out on a web page, provided that the information is brought to the attention of the consumers before the contract is entered into. The information to be provided includes all of the information which a supplier should, in any event, wish to provide in relation to:the identity of the supplier;the main characteristics of the goods or services;their price;arrangements for payment and delivery; andthe existence of the right of cancellation created under the Distance Selling Regulations.Information that should be set out in the terms and conditionsThe terms and conditions should:make it clear who is selling the product, together with the geographical and email address;describe clearly what the customer is getting and what it will cost, including all taxes and delivery costs; andidentify the arrangements for delivery of the product.The terms and conditions of the site are very important, and will vary for every retailer. It is important that the terms and conditions are properly drafted, as poorly drafted terms and conditions will expose the retailer to unnecessary risk.Electronic signaturesThe Electronic Signature Regulations apply to any contract and not just those entered into with consumers. In order for there to be a binding contract the following essential elements of a contract must be present:an unconditional offer;an unconditional acceptance of that offer;consideration passing from both parties other than in Scotland where consideration is not a requirement; andan intention to create legal relations, i.e. the parties must intend to enter into a legally binding contract.There must also be certainty as to the terms, parties and subject matter of the contract. For the majority of contracts there is no legal requirement for a signature.Whenever a person buys or sells something he or she is entering into a contract, no matter how small the purchase. In the newsagents, when a person buys a newspaper he or she contracts with the newsagent for the purchase. The newsagent makes an 'Invitation to Treat' by placing the publication on sale. The person offers to purchase it from the newsagent, proffering money, and the offer is accepted (concluding the contract) by taking the money. This is still a contract, although not a word needs to be said, and nothing is written down. However, the essentials of a contract have been formed: an offer (to buy, or sell), an acceptance of that offer, and (everywhere except Scotland) consideration (whether money being paid, or some other form of consideration) for the sale. The various stages of the contractual process will be discussed in more detail later, as it is important to distinguish between who is making the offer and who is accepting it.Signatures are not actually necessary for the conclusion of every contract (your visit to the paper shop could become a chore), but they can have three essential functions when we consider on-line contracts:To identify the person who has bought the product;To indicate a personal involvement, or trustworthiness; andTo indicate an intention to be bound to the contract.The principal, and simple effect of the Electronic Signature Regulations is to make electronic signatures legally valid. Most of the discussion, and further interpretation of electronic signatures actually comes from a report published in December 2001 by the Law Commission entitled "Electronic Commerce: Formal requirements in Commercial Transactions", and in subsequent guidance from the DTI.Depending on exactly what is being sold the method of collecting the electronic signature will vary. In most cases, the function required of the electronic signature is the third one listed above – indicating that the purchaser is making an offer to contract. However, for more complex products being sold on-line, for instance financial services products, the role of the signature may become more important for one or both of the first two reasons.Depending on the value and/or importance of the transaction the parties may want a greater degree of certainty as to reliability of the signature. This may involve the use of public key infrastructure, for example.Contract formation issuesThe main issues considered in this section are how, when and where the contract is formed. This involves an analysis of the contract formation procedure based on the principle of offer and acceptance and the significance of the "country of origin" principle.The offer and acceptance procedure onlineStep 1: Establishing the offer and acceptance procedureThis is where the E-commerce Regulations can be used to the seller's advantage. It is possible to sell on-line and take payment by credit card without concluding the contract on-line. The solution is to provide that the customer is making an offer on the site and that the contract will be formed only if the customer's order is accepted – and that taking payment from the customer's credit card does not indicate cceptance.On-line merchant accounts provide for making refunds to a customer's credit card. Therefore, the terms should explain that, while the customer's card may be debited before the contract is formed, if the customer's order is ultimately rejected, a refund will be made immediately.Step 2: Completing the order formThe customer is taken to the order form where he completes the quantity of goods and his delivery details. It would be good practice to offer three buttons: submit, clear and cancel. The "clear" button is needed because the E-Commerce Regulations require a means for the customer to correct any errors.Step 3: Incorporating the terms and conditionsAt the bottom of the terms and conditions page the purchaser should, ideally, be required to check a box to indicate that he or she has read, understood and accepted the terms and conditions, before clicking the "Accept" button. The "Accept" button should not work until the box has been checked. Equally the page should be designed in such a way that the consumer cannot check the box and click "Accept" until the page has fully loaded onto the screen. By doing this, you improve your position in the event that a purchaser claims there was no opportunity to read your terms.While there is no responsibility on the retailer to ensure that the consumer has in fact read them, following this procedure will demonstrate that reasonable efforts have been made to bring them to purchasers' attention. The terms and conditions should be in a format that can be printed or saved – therefore avoid pop-up windows and ensure that they fit within the width of the page and are presented in a way that they will print properly.It is wise to also include a term like the following:"By clicking the 'Accept' button you agree to these terms and conditions. By completing and submitting the following electronic order form you are making an offer to purchase goods which, if accepted by us, will result in a binding contract."The words, "if accepted by us," are very important.This approach is the suggested 'best practice' approach for relaying the terms and conditions, and ensuring that the consumer has read them. However, it is not the most consumer friendly approach to present the purchaser with a screen of 'small print' in the middle of what, to the consumer, was an otherwise normal shopping experience. Therefore a number of on-line retailers adopt a second-best approach, which is to include a link to the terms and conditions, and make the consumer tick a box to confirm that they have read and accepted the terms and conditions, before they click the main button to buy the product. This approach, while not as legally secure, is probably acceptable in a number of purchasing models.Step 4: Taking the consumer's credit card details on-lineAt this stage, the user should be taken to the page on a secure server where his credit card details are taken. This page should state: "Your card will be debited with the sum of £X when you click the Submit button. This will be refunded if your offer is refused." Repeat the choice of submit, clear and cancel.Step 5: Acknowledging receipt of the orderWhen the card details are validated, the E-Commerce Regulations require that you give the customer an acknowledgement page and send an acknowledgement email. This should not confirm a contract; it should instead confirm that the order has been received and that the order is being "processed". It is helpful to give the customer an order number at this stage so that he or she can chase-up any problems. It is good practice, though not legally required, to ask the user to click a button on a confirmation page to indicate that he has read the confirmation – e.g. a "Continue" button, linking to the homepage of the site.Step 6: Providing confirmation of the information provided and the right to cancelThe Distance Selling Regulations now require the supplier to provide the consumer in writing or in another durable medium confirmation of the information provided prior to the conclusion of the contract and details of the right of cancellation. Generally a consumer has a period of seven working days within which to cancel the contract and return the goods to the supplier. The only cost to a consumer will be the cost of returning any goods received by it to the supplier.A consumer will not be entitled to cancel a contract after it has been entered into, where the supplier has commenced the provision of services with the consumer's agreement prior to the end of the cancellation period then the consumer will not have the right to cancel the contract for the provisional services. However, in order to benefit from this exception, the supplier must have advised the consumer that the consumer will not be able to cancel the contract once the performance of the services has begun with the consumer's agreement.It is not possible to contract out of the Distance Selling Regulations. Any term which attempts to do this will be void to the extent that it is inconsistent with the provisions of the distance Selling Regulations.Step 7: DeliveryFinally, dispatch the goods. If a typo mislabelled an item costing £200 at £2 and someone ordered 500 of them, the site could politely – and legally – refuse the order. This is because by following the procedure set out above the dispatch of goods is in effect the acceptance of the offer made by the consumer at the start of the process. Until this point there has been no acceptance and only an acknowledgement.The "country of origin" principleThe E-commerce Regulations apply a "country of origin" principle. In its simplest form, this means that as long as a UK business complies with UK laws, it can "ignore" the laws of other Member States. In general terms this is a definite bonus for on-line retailers. However, recognising that such an approach would be bad news for consumers, this basic rule is qualified.The E-Commerce Regulations do not apply the country of origin principle to the terms of consumer contracts. In practical terms, this means that a UK-based e-commerce site's terms and conditions should meet the laws of every Member State in which consumers can buy its products, not just UK laws.As a result of the consumer contract exception, any site selling to French consumers must provide its terms and conditions in French – otherwise they may be considered invalid. If selling into Denmark, consumers must be given a 14 working day cooling-off period during which the consumer can change his or her mind about the purchase and return the goods for a refund. In the UK, the cooling-off period is only seven working days. These are only examples, of course there are many other differences.Despite this signNow qualification, there are still advantages in the Regulations' country of origin principle that can benefit a UK-based business. For example, the UK's retail laws are among the most relaxed in Europe. This can give UK businesses advantages over, say, German competitors. A German e-tailer must comply with any German restrictions on promotional offers; its UK rival escapes such restrictions, even when selling to German consumers.Ensuring your contract is legalIt is important for e-commerce retailers to ensure that the contract which is formed with the consumer under the process described above is both legally correct and also affords the retailer the maximum protection. There are various ways in which the contracting process can be structured to be legally correct, and it is important to balance absolute best practice, and a more commercial approach which is still legally correct. Equally, it is surprisingly easy to structure the process in a way which is legally incorrect, and which exposes the company to more risk than is necessary.
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