Share Electronic signature Presentation Online
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FAQs
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Is ticking a check box for an online contract like a signature in the USA?
In the U.S., ticking a checkbox routinely is considered evidence showing that a user has accepted online terms and conditions. (Please see Online Terms can be Binding, even if You don’t have to Click!)This is, indeed, similar to a signature on a hard-copy contract being evidence showing that a party has agreed to that contract.
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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 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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What digital tool, as a real estate agent, do you most use?
As an agent, we have access to the MLS, which the public only has limited access to. In my area the public can see exactly what Zillow can which is active listings. Our board does not disclose the sales price of closed prices, which makes services like Zillow pretty much worthless in my area. (Zillow may be useful in some areas, perhaps many, just not where I work).That said, my favorite and most useful tool, which is also available to the public, is the GIS (Government Information Service). Type in to Google: (Your county)(Your state) GIS [ie: Marion County Indiana GIS ] . While it isn’t available in every county of the country, you will find it in most major areas. It will give you access to the tax assessor records and often times the sales history of the property. The tax records will give you the details of site size, improvements, assessed values and depending on the county may or may not give you the annual taxes.Since real estate agents in some areas count the basement area when they list the size of the property, the GIS will allow me to figure out what is really there if I’m new to the area. For what I am looking for, there is a signNow difference between a stated 3,600 square foot house by the agent and 1,800 square foot above ground over a 1,800 square foot basement. - Lenders only count the above ground square footage as living area when making a loan.Hope this helps.
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What is the best real estate technology?
A survey conducted by Coldwell Banker and CNET found that eighty-one percent of prospective home buyers were drawn to homes equipped with the latest in-home technology. Among those, thirty-five percent of people who preferred what is known as smart homes over traditional residences believed that such features solidified the property as “move-in ready.”Technology is also changing the field of home selling. Here are five ways that apps and other online features are making the life of a real estate agent easier.1. Broadcasting with Periscope and TwitterWhat better way to send out a massive blast than on Twitter? The social media site lets you keep it short but sweet as you tell followers that the home of their dreams has an upcoming open house session. You can also post pictures on Twitter that give potential buyers a better perspective of what they will see during their in-person tour of the property. Take the virtual showing a step further by using Periscope to share live footage of yourself walking through the house online. In past times, a substantial amount of money was necessary to promote property by way of commercials. Twitter and Periscope bring the perk to you for free so long as you have a smartphone or tablet when going live and taking pictures.2. Tracking with Glympse and WazeRunning twenty minutes behind used to be a deal breaker pre-Digital era. Not only did you inconvenience the client but you also provided a guess that was often inaccurate and led to more time wasted at the property. Traffic apps in the twenty-first century have made such estimating unnecessary.Waze is one app that provides navigation tips based on real-time traffic information. You can better coordinate appointments so that clients are not left waiting for several minutes and provide clearer updates when you are running late. Glympse also tracks traffic in real-time but takes things a step further by offering a link by which clients can track your whereabouts. Text or email the URL to prospective buyers and let them follow along as you make your way to the location.3. Meet Online with Reflector 2 and Join.meReal estate agents should consider investing in Reflector 2 instead of bringing their USB stick along to nail that next listing presentation. The app serves as a sort of projector by allowing you to cast all activity on your smartphone and tablet on a larger screen. The Reflector 2 works with nearly any device and does not require additional purchase outside of the app itself.Free Screen Sharing, Online Meetings & Web Conferencing is another app that has made buying a selling a home more convenient. Agents can hold brief meetings with clients without requiring them to come into the office. Sharing your computer screen is the best way to convey pertinent information to new homeowners. The recording and playback feature is particularly useful when you need to recall a client’s home preferences. They will be impressed with your attention to detail in finding a house with a built-in barbecue pit. You will know that such meticulousness is because of Free Screen Sharing, Online Meetings & Web Conferencing.4. Add Transparency and Rapidity with an Automated Mortgage Loan ProcessThe traditional method of the home loan process involved hours spent trying to secure financing. Leaving one paycheck stub or bank statement at home often meant holding off on the process until the client was able to furnish proof of such documentation. There was no transparency in the process, which meant that customers were entirely reliant on the expertise of the real estate agent.Technological advances have revolutionized the mortgage loan process. Automated processing now establishes criteria by which applicants are judged that makes applying simpler. Some financial institutions can pre-approve hopefuls in ten minutes. Individuals who go through the entire process may see their loans finalized in ten days instead of the average four-week period. Digital tools provide real-time updates so that even those who are not approved can move on to the next bank quickly instead of waiting for a rejection letter to arrive by way of snail mail.5. Agree from Home with E-signaturesIn past times, the thrill of closing quickly became inconvenient for buyers upon hearing that all approved owners would need to stop by the real estate agent’s office to sign final documents. Some individuals were forced to take a sick day from work just to make their mark on the paper. Such heartache is why the masses are thrilled to learn that e-signatures have the same weight as traditional marks on legal documents. A real estate agent can email paperwork that his clients can sign at their leisure and return electronically. It is even possible to solidify documents on a smartphone in some instances, which makes the home loan process that much more convenient.
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Can anyone suggest a good company that provides HIPAA compliant medical transcription outsourcing?
Benefits of Online Medical Transcription CompaniesAccurate documentation of healthcare details of a patient is vital to ensure appropriate ongoing care for the patient, and for these healthcare providers rely on online medical transcription companies. Flawless documentation is also indispensable from the point of view of ensuring error-free provider billing. Offshore medical transcription services & Outsourcing reduces the writing work and effort ofphysicians,while reducing the risk of legal disputes and problems related to insurance reimbursement. With increasing popularityforthese services on a global level, developing countries in Europe are investing more on building MTSOs.Growing Preference for Medical Transcription CompaniesTransparency Market Research’s Medical Transcription Services Market Research Report by Regional Analysis” forecasts steady growth of the transcription market through 2019. Due to increased healthcare documentation in the U.S., North America dominates the global market. Most medical professionals utilizing this service are domiciled in the United States which outsourcing.in-shore is expected to give more scope forFactors driving market growth include the following.The main factor driving cost reduction in this market is many major MTSOs coming up with cost-effective products.The growing awareness of the importance of accurate medical documentation and its implementation by healthcare physicians, hospitals, clinics and other healthcare institutes is also driving market growth.providers includingIncreased awareness about the benefits of electronic patient recordkeepingGovernment initiativesIncreased geriatric population worldwideReimbursement processingAvailability of various software leading to competitive cost reductions.Medical Transcription OutsourcingCombining Human Perception and Leading Technology for the Best ResultsA signNow trend in the transcription market is the use of novel recording system that combines different types of automatic audio recorders and speech recognition technology. Nowadays, many companies are offering both transcription services and software. Audio recorders are being replaced by speech recognition software that automaticallyconvertaudio into text format. However, here too human intervention via transcribers becomes necessary to edit the transcripts prepared by the speech recognition system.Providers leading in the industry combine technology and human skills to ensure precision in the clinical documentation process.The advantage of this approach is that the transcriptionists who are highly trained understand the medical context, check for accuracy and provide outstanding service that cannot be obtained from a software system alone.As these companies are effectively staffed, they can ensure production coverage in peak volume periods and round-the-clock service.They are also seriously committed to HIPAA privacy and security and ensure complete confidentiality of patient information.They can work with EMR/EHR systems via HL7 interface. They can directly work with most EMRs or upload reports into them.They can also help customers to post old medical records into the electronic record system.In addition to this, healthcare providers can also utilize a full suite of revenue cycle management (RCM) solutions including medical billing and coding services.Hospitals Benefiting from Outsourced Medical TranscriptionMany hospitals among other healthcare organizations choose to outsource their healthcare documentation requirements. Boone Hospital Center in Columbia has partnered with a service provider in order to achieve “greater efficiencies” in this process. A major reason for the switch is the mandatory ICD-10 implementation. This regulatory change, which is the first ICD update in 35 years demanded a comprehensive communication and retraining process to educate staff about the new ICD-10 requirements, according to a hospital spokesperson. He pointed out that outsourcing these tasks has become a healthcare industry standard over the past five years, especially with the advent of electronic medical records. Many healthcare providers depend on outsourced services for transcribing medical documents such as for surgeries with complex notes.There is no doubt that offshore medical transcription is a fast-growing and promising segment in the field of future patient documentation. These effective solutions enable care providers to meet their complex documentation requirements in an increasingly challenging and advancing healthcare environment.More...
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