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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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How do you startup a online business in india?
Starting an online business in india is much simpler than ever. Even the government of India has taken initiatives (Startup India Scheme) to encourage individuals to start their own business. With the digital boom a lot of unprecedented opportunities started to pop. There are lot of businesses that are able to leverage this opportunity and create a successful establishment.Before you jump in and start an online business make sure that you have followed all the process to establish the enterprise as a legal entity. Comply with all the legal formalities so that if future you won’t be muddled with legal ramifications.The startup India scheme was launched in 2016 with a key idea to promote entrepreneurial spirits in India. The primary objective of this scheme is to promote startups, create wealth, and generate employment.You can register your startup online. When applying for registration your startup you need to consider presenting the below documents;Letter of recommendationLetter of funding (by state government or the government of India) to specify the scheme applicableCertificate of IncorporationBrief description of the businessThe information technology act has provisions to submit electronic forms. All filings done by the companies/LLPs under MCA21 e-Governance programme are required to be filed using Digital Signatures.Filing INC -29 for Certificate of Incorporation. When applying to apply for INC-29 you need to have the below particulars ready;DIN ( Director’s Identification Number )Name approvalMemorandum and Articles of association ( MOA & AOA )Registered office verificationFew opportunities that you could consider for starting an online businessStart an ecommerce businessStart online tutoring classCreate and monetize a blogBecome an affiliateStart a dropshipping businessStart freelancing opportunitiesStart an Ecommerce BusinessIt’s quite easy to start an ecommerce business. With a manifold of pre-built ecommerce platforms available you get the opportunity to test individual platforms before writing off a paycheck. Almost all the pre-built platform providers gives you a 15 day trial period to fiddle around. This gives you an addon advantage to experience the platform in realtime and understand the pros and cons. Every platform has a set of limitations, it’s better you keep yourself informed.Create an Ecommerce Business - Start A Trial Store!Starting an eCommerce business is like opening a new Facebook account. One small signup and you get everything you want to sell online. Ecommerce business is gaining a lot of significance among people. A lot of newbie entrepreneurs has tasted success with this online business opportunity.Few eCommerce Platforms to Start your Online StoreShopnixShopnix is a Bangalore based eCommerce platform provider. The eComm company was founded in the year 2011. The platform provider is custom created to meet the entrepreneurial needs of Indian entrepreneurs.Shopnix PlansQuicky:- INR 1,000/ monthStandard:- INR 2,000/ monthPro:- INR 5,000/ monthPremium:- INR 10,000/ monthShopifyShopify is a canadian based ecommerce platform provider. There are about 600,000 online stores and is considered as a leading eCommerce company. The Shopify platform support both online and offline sales.Shopify PlansBasic Shopify:- USD 29/ monthShopify:- USD 79/ monthAdvanced Shopify:- USD 299/ monthKartrocketKartrocket PlansEssential:- INR 3,500/ monthPremium:- INR 7,000/ monthPlatinum:- INR 12,000/ monthStart online tutoring classWhy start an online tutoring. There are lot’s of digital nomads who are looking for courses that will help them wet their skill sets on specific areas. Let’s say you are good in cooking. Why not create an online website through which you could share your talent with people who really want to learn cooking.Be it yoga, music, whatever it be if you have the talent/ skill sets, then try to teach people who are looking out for it. People are looking for online tutoring course because they could learn whatever they want, taht too based on their convenience.Create and monetize a blogBlogging is another opportunity that allows you to create your own digital identity. Through blogging you will get an opportunity to establish your domain authority in a specific niche. Blogging has so far helped a lot of people to gain recognition in the digital sphere. Once you are successful with blogging and succeed in establishing an authority you will be able to leverage on it. There are a lot of business entities that are looking out for genuine and passionate bloggers who could help them scale their business.At the same time once you realize that you are able to generate enough traffic to your website, then you could apply for Google Adsense. Through Google adsense you will get amazing opportunities to commercialize your website.Lookout for Affiliate Marketing OpportunitiesThere are lots of affiliate marketing opportunities that you could look into. There are lots of affiliates who successfully commercialize a clients product and bag a good sum as commission. Look out for websites that offers partnering programs and make sure to use the best out of it. The website will assign an affiliate link to you. When ever a customers makes a purchase through the affiliate link the website will pay a percentage of the sale as commission.Start a DropShipping BusinessDropshipping business is one business model that has gained signNow importance among newbie entrepreneurs. The initial investment for this business model is too low. You need an eCommerce store to list the products and a set budget to commercialize your business online.In dropshipping business model you don’t own the products. You will enter into an agreement with few companies agreeing that you will be happy to list few products on your website. Once a sale happens to materialize through your website then the business needs fulfill the online purchase.Create an eCommerce Store and Start Drop-Shipping
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How can I prevent identity theft from happening to me?
Identity theft, also known as identity fraud, is a crime in which an imposter obtains key pieces of personally identifiable information, such as Social Security or driver’s license numbers, in order to impersonate someone else.Identity theft occurs when someone uses another’s personally identifying information, like their name, identifying number, or credit card number , without their permission, to commit fraud or other crimes.Types of Identity TheftThe following are the types of Identity Theft:1.Criminal Identity TheftCriminals have previously obtained state-issued identity documents using credentials stolen from others, or have simply presented a Fake ID2.Financial Identity TheftThe most common type is financial identity theft, where someone wants to gain economical benefits in someone else’s name. This includes getting credits, loans, goods and services, claiming to be someone else.3.Synthetic Identity TheftSynthetic Identity Theft, in which identities are completely or partially fabricated.The most common technique involves combining a real social security number with a name and birth date other than the ones associated with the number.4.Medical Identity TheftMedical Identity crime is that medical identity theft occurs when someone seeks medical care under the identity of another personHow to protect yourself from Identity Theft?1.Credit ReportsMonitor your credit reports constantly for any signs of suspicious activity. Or think about freezing your credit reports. It’s not a perfect solution but it will help prevent identity thieves from opening up new accounts.2.Protect your InformationProtect your computers and personal information your phones and tablets, your accounts and passwords, your surfing, your banking and accounts, your social network etc. These can all be points of vulnerability that crooks will quickly exploit.3.Protect your HomeToo much personal information lying around your home could be an easy temptation to people you doesn’t know. So hide it where burglars and others can’t easily find it. And make sure you shred any sensitive financial information before you dispose of it.4.Guard your MailSome thieves say that most of their crimes start with stolen mail, so make sure you don’t leave it in your mailbox for longer than you have to.5.Social NetworksMind what you and your kids say on Facebook and other social networks. Thieves are constantly checking out Facebook, Instagram, Twitter and other networks for personal information that might help them commit a fraud.6.Lock down your ComputerThere are dozens of free security tools, from antivirus to safe surfing that will help keep malicious software or malware from infecting your computer and stealing your information.7.Use passwords properlyThat means making them long, complicated and random; changing them regularly; guarding themPunishment for Identity Theft in IndiaUnder the Information Technology Act 2000 Chapter IX Sec 66CWhoever, fraudulently or dishonestly makes use of the electronic signature, password or any other unique identification feature of any other person, shall be punished with imprisonment of either description for a term which may extend to three years and shall also be liable to fine which may extend to rupees one lakh.Identity Theft is the largest contributor to Fraud in IndiaEvery minute about 19 people fall victim to identity theftFrauds due to applicants submitting fraudulent contact information has risen by 3% contributing to 18% of all detected frauds.The mortgage portfolio has observed a 50% increase in the fraud incidence rate.Falsification of address proof is the most popular behaviour seen amongst fraudstersHiding of adverse credit is the most common behaviour especially in the automotive loan category followed by mortgage fraud.In India identity theft accounts for 77% of the fraud cases in Q1 2015.Overall, identity theft and fictitious identity cases continue to contribute around three-fourths of all detected fraud cases.Amongst various financial products, auto loans, mortgage loans and credit cards have seen the largest number of fraud cases from identity theft represented by 85% of the total detected frauds in Q1 2015Identity theft has observed a rise from 76% in the first quarter of 2014 to 77% in the first quarter of 2015.Persons ages 25 to 64 (8%) had higher prevalence rates of identity theft than persons age 18 to 24 (4%) and 65 or older (6%)FundsTiger can arrange loans from all the banks we can help you to get all types of loans and also balance transfers on existing loans and can also help you to giving free credit consultation.
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What have real estate agents found to be the best online tools for getting leads?
Facebook & Instagram are excellent tools for real estate companies to use if they want to make the most of their social media strategy. If you want to promote real estate on Instagram, there are a few important things to consider.Using these social networks to collect leads well involves more than simply posting images regularly. You need to be able to plan and run the right, which means you need to know where to find your audience.Now let me give my personal suggestion on this matter, the best way to collect leads using Facebook & Instagram is the Facebook Lead Ads feature.Why the Facebook lead ads is so important for your brand?Here are the 4 core reasons for a business to choose Lead Ads as your advertising platform:1)It’s cheaper than the traditional types of ads. There’s no doubt that by using Lead Ads you can definitely save money of your advertising budget. Based on our experience we can confirm that using Facebook Lead ads reduces the costs per lead to less than a half of usual spend.2)It creates brand awareness. Facebook, currently the biggest social media platform is the right place to start to build your brand awareness, as makes the whole process of creating your audience and converting it into a lead, as easiest as it can be.3)It saves time. When Facebook presented Lead Ads, they announced it as tap tap done feature, and it literally is like that. It saves user’s time but also yours, as make it fast and easy for you, lead creator to prepare and manage your leads.4)It is a fully customizable tool. In fact, it is possible to customize the form with different fields like: size people business, field of study, etc…when creating an ads campaign.Don’t worry if it is your first time in the Lead Ads world I am happy to suggest to you this free guide, that will help you to learn more about this topic ;)Check out our video to discover 4 instagram tips to boos your real estate marketing strategy !
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Is it easy to get DL from electronic city RTO? Will everyone pass or is it strict? I'm going through driving school.
I have been to the Electronic City RTO, Huskur road (ECity Phase 2, KA-51) for 4 wheeler DL test today without any agent and followed the Quara answers thoroughly specially the latest ones at How can I get a driving licence in Bangalore?. And I went through the DL process myself, gave test and passed in 1st attempt today itself i.e 26.12.2018. Below are the important points I would like to share to have a smooth ride for the whole process for DL (after LL) when applied online.After minimum 1 month of having LL issue date, you should go for DL test.A DL applicant can max have 3 attempts and there is a waiting period of 7 days for each attempt.If you have LL, you can yourself login to the http://parivahan.gov.in website and apply for DL. (I had to change address also on LL and I did that before apply for DL ;) ). You don’t need to visit RTO office at all to apply for DL except for the Test day, but I went once to the RTO office near BTM 4th stage to get the postal envelope containing required stamps which will be used by RTO to send the actual DL card).After applying online for DL, you need to book slot (test date) for DL test. You can pay the fees online or you can pay the same during the DL Test day at Huskur RTO office. For LMV-NT i.e 4 wheeler non-transport the fee is Rs 651.00 (DL Test 300.00, Form 7 fee 151.00, DL issue fee 200.00).On the scheduled DL Test date, directly go to Kuskur road, RTO (it’s at Electronic City Phase 2, the office is on the left side of the Huskur road, if you come from Hosur road or ECity) 1 hour before your schedule slot as there will be paper work before test and you have to stand in queues for every process. You need to bring your own vehicle or any other’s vehicle along with that vehicle’s 1. RC, 2. insurance, 3. Pollution under check/control (PUC) certificate originals. Along with all the xerox copies i.e application acknowledgment, DL application form, fee receipt (if already paid), slot appointment, LL copy, (no need of medical certificate if you are below 40 years of age) and a postal envelope, don’t forget to write your address on it. Just staple all these Xerox documents. I didn’t have to paste photo also, as it was also present in DL application already by the system.First park your vehicle inside the big premise (on the right side after entering) and then complete 5 processes one by one -i) Go to the Biometric Room which is at the left side (just after Cashier Room and each room has the name written on the door, should be easy to find). The person will check the application number in his computer and slot date and then ask you to pay the fees for Smart Card (Rs. 60 including GST) and if you have not paid DL test fees, you have to pay here (Rs 651.00). Your photo will be taken and your digital signature with an electronic pen & pad will also be taken. You will get one receipt from here which the person will staple with your application documents. 1st step is done.ii) Go to the Cashier room just before the biometric room and handover your application to the person sitting there. He will scrutinize it and make a phone call to some other person with your application no. You are done with 2nd step.iii) Go outside the registration room and stand in the queue. Your application will be checked again and your vehicle’s original documents will be asked (RC, Insurance, PUC). I was only asked for RC. Here the person may ask again to visit Cashier room if scrutiny is still pending. Once that’s done you need to go inside the registration roomiv) Inside the registration room you have to answer 4 signs & symbol questions using a computer. These are not very easy but not too tough if you are prepared for couple of days. After that test, you will be given a white RFC card and will be asked to go to the track. The person will also attach one test result form with the application which you have to sign after completing the test.v) Actual Drive test: Come Near the LMV track (right most area after the 2 wheeler tracks) with your application and RFC card. One person will explain how the track works and what the different time limits. There are different types of tests done in the track - 1. Uphill stop and start 2. ‘8′ track, 3. Parallel parking 4. Traffic signal 5. Reverse ‘S’ track 6. 3 point turn. For each test you have swipe the card near the entry of that particular test. For applicants with driving school or agents, the driving school agent will seat beside you with their own vehicle but as I have gone alone, I was only personal seating in my car and as the entire test track is automated, the result will be given from the registration office immediately once you submit the RFC card and application.My entire process form start to finish took about 1.5 hours as there was not much queue for 4 wheeler tests. It was my first attempt and I passed in all tests with 100% score except in ‘3 point turn’ where I scored 2/5 but passed. I can also see the application status online that’s it waiting for approval for printing & dispatch. I did practice for about 3 solid months and went through all Quora question-answers on this process and saved some good amount of money by not going through agents. Which gave me solid confidence about Quora and RTO process :)
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What are the precise tasks a pharmacist must do when preparing a prescription for medication? It seems to take longer than it sh
Ooof! Let’s see if I can articulate this process.Step 1. Let’s call this “receiving the prescription.” This can be via electronic means, by telephone or a piece of paper. First, I have to determine if the prescription is a legitimate one. Did it originate with a valid prescriber or their authorized agent? ( I do a quick bit of mental math to verify that the DEA number of the prescriber is legitimate.)Does the prescription meet the legal requirements for a valid order in my state? In Oregon, this means the name & birthdate of the patient, the date the prescription was written, the drug name & amount to be dispensed, directions for use (“the sig”) and number of refills authorized, plus the signature of the authorized prescriber. Can I read the darn thing? It’s amazing to me that a society as technically advanced as ours permits atrocious handwriting on a scrap of paper as the basis for a prescription. I once filled a prescription written on a potato.If the prescription is for a controlled substance, we have to have the address & phone number of the patient & prescriber. If these elements are not present, prescriptions for controlled substances have to be taken back to the author to have changes made.2. Getting to know the patient. I can’t speak for all pharmacies here, but at this point, I like to know a bit about the person I’m giving medication to, if I don’t know you already. I’ll ask about allergies & reactions, known medical conditions & additional meds you may already be on. I’m also eyeballing you as we speak, getting some basic knowledge such as sex, approximate age & physical condition. If the prescription seems “off” to me or I think there may be an attempt to obtain controlled substances illegally, I’m going to be asking a lot more questions & assessing whether or not you are going to present a threat to me & my staff.3. Establishing how this prescription is going to be paid for. If you haven’t been to my pharmacy before & I don’t have your current insurance information on file, I will ask for proof of insurance. If you are paying cash or have a discount coupon, this is the time to let me know.4. Entering the patient information & prescription into our computer system. Some people are surprised to find that not all pharmacies & doctor’s offices are electronically linked together. Everyone has different software & information sharing is difficult, due to privacy concerns.5. Drug product selection. Also known as going to find stuff on the shelves. Some pharmacies have wonderful inventory systems that uses a flashing light to indicate where the correct drug is located. Most just have to physically locate the drug on the shelves somewhere in the pharmacy. That accounts for the warren of shelves that we seem to disappear into when looking for your medicine. Yes, we do take the opportunity when we are out of sight for a quick scratch.6. This is the part I call “counting, pouring, licking & sticking.” Verifying that the product selected matches the original prescription. Locating the appropriate dispensing container (this is regulated by law, believe it or not.) Physically counting out the medication & sometimes having a second person count it again. There are also dispensing robots that do this part in some pharmacies. Affixing the prescription label (& again assuring that all the information it contains meets the legal requirements of a prescription in your area of practice. ) This is also the point where controlled substances have to be inventoried dose by dose & the remainder returned to the safe, usually under the watchful gaze of a security camera.)7. Matching up the prescription, the medication guide & the receipt. Check receipt to make sure the appropriate insurance claim was submitted. Check co-pay; if it seems high or inappropriate, you have to break the news to the patient diplomatically. Checking that all prescriptions ordered by the patient for this dispensing are present.8. Calling the patient to pick up their order. Offer mandatory counseling & document the performance of counseling or patient refusal. Verify ID if dispensing a controlled substance. Confirm copay & insurance. If patient thinks insurance claim is not correct, attempt to call insurance company on their behalf. Be forced thru a phone tree that would try the patience of Job. Be informed by representative that the patient themselves needs to contact the insurer & that nothing can be done at point of sale. Put on lead suit & convey that information to the patient as diplomatically as possible. Listen patiently to verbal abuse, threats to call your manager & demands for gift cards as compensation for having to wait. While all this is going on, the phone is ringing, the fax is spitting papers on the floor & an elderly, hard-of-hearing person is asking my opinion of the various supplements available for sale.Easy peasy, lemon squeezy…..Nothing to it! How long does it take to count out a few pills & slap a label on?
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How can I create DSC (digital signature certificate) on my own for GST e-filing?
What is Digital Signature?A digital signature is basically a way to ensure that an electronic document (e-mail, spreadsheet, text file, etc.) is authentic. Authentic means that you know who created the document and you know that it has not been altered in any way since that person created it.Digital signatures rely on certain types of encryption to ensure authentication. Encryption is the process of taking all the data that one computer is sending to another and encoding it into a form that only the other computer will be able to decode. Authentication is the process of verifying that information is coming from a trusted source. These two processes work hand in hand for digital signatures.How do I get a Digital Signature?Digital Signature Certificate (DSC) is a secure digital key that certifies the identity of the holder, issued by a signNowing Authority (CA). There are many companies provide Digital Signature , i.e.SIFYeMudhra(n)codeThese companies gives LRA to several companies that are basically known as LRA. You may directly apply online and purchase from your local authority.Digital Signature for E-tenderingThere are three types of digital signature certificates depending on the validation of identity and type of use. They are:Class I DSC – Individuals get it for validating the email identification of the users and in situations where risk is minimal and here the signature is stored in software.Class II DSC – Business organizations or individuals use this digital signature certificate to validate the information given by the subscriber in the application against the information available in a trusted consumer database and in other such situations where security risk is moderate. In this case a hardware cryptographic device is used for storing the signature.Class III DSC – This digital certificate is directly issued by the signNowing authority and it is required that the person applying for DSC must be present at the signNowing authority’s premises and prove his/her identity in front of the authority and the security risk involved in this case is very high. In this case also a hardware cryptographic device is used for storing the signature.The Necessity of Digital Signature CertificatesFor e-filing of the income tax returns by any individual, the Government of India has made it mandatory to affix digital signatures to the income tax returns documents. For affixing the digital signature one must have digital signature certificates issued by licensed certification authority.In addition, Ministry of Corporate Affairs has set the mandatory guidelines for the companies directing them to file all reports, applications and forms using a digital signature only and this again requires a digital signature certificate.For GST also a company must verify its GST application by affixing a digital signature using digital signature certificate in order to get registered for GST.These days many Government procedures, filling different applications, amendments and forms require digital signatures made by using digital signature certificates.Benefits of Digital Signature CertificatesSaves Money & Time: As there is no need of physical presence you can digitally sign your PDF files and other documents using DSC anywhere & anytime. You need not sign your paper documents and then scan them to send them across through internet if you follow the above given option. You can save the money which would otherwise be spent on printing and scanning the document. You can also go green by saving paper.Secured Data: The digitally signed documents are tamper proof as the digital signatures are secured with a private key and public key and they cannot be edited after digitally signing the document.Authentic: Digitally signed documents are authentic and the receiver can be completely sure about the sender’s identity and integrity. The receiver can easily execute the information in the document without worrying about the document being forged.Certificate (DSC) is essential for companies and organizations that take part or intend to take part in eTendering processes on various Government sites. If a organisation going to apply for any Government eTender needs to have a Class 3 Digital Signature Certificate registered in the name of a representative who is authorized to submit online offers for e-Tendering applications.How to apply digital signature ?We enable compliance with legal and regulatory requirements for end-to-end electronic transactions for any kind of E-Business.What Documents required for Class 3 Digital Signature ?Documents required for Class 3 Digital SignatureApplication Form (Duly Signed)Recent Passport Size Photograph (Pasted on the Application form and Signed across the Photo)Identity ProofPAN CARD * (Income Tax F Filing Portal requires PAN Encrypted DSC)PassportDriving LicensePhoto ID Issued by Central Or State GovernmentVoter IDAadhar CardApply for Digital SignatureAddress ProofPassportDriving LicenseLatest Utility Bills - Not Older than 3 Months (Telephone, Electricity, Water, Tax, LIC)Ration CardVoter IDBank Account Statement ( Not Older than 2 Months)Service Tax/ VAT registration CertificateProperty tax/ Municipal tax ReceiptProof of Right to do Business (Any one of the Following)Certificate of IncorporationMemorandum of Association & Articles of associationRegistered Partnership deedValid Business licenses like VAT , Service Tax RegistrationLicense under shop and Establishment Act (For Proprietorship Concerns)PAN Card of the Company/FirmProof of Right to do Business (Any one of the Following)Latest annual Report / BalancesheetLatest Income Tax ReturnsOrganization Bank Details on Banks Letter Head/ Latest Bank statement attested by BankAuthorization Letter in Favor of the applicationAll Documents to be Self Attested by the applicant & Attested by the Authorised Signatory of the Business with Stamp & Seal. For More information about Best Digital Signature company in kanpur.How can I register a Digital Signature Certificate(DSC)?DSC registration for directors:Click on the 'Register DSC' link available on the MCA portal homepage.On the next screen, click on the 'Director'link on the left hand panel and fill-up your DIN. Please ensure that the DIN is approved and typed correctly.System shall verify that the DIN is valid and approved. If the DIN is filled incorrectly or DIN filled is not approved, system will throw an error message to that effect.Fill-up rest of the particulars and ensure that details filled are as per DIR-3. If the applicant has filed DIR-6, then fill the details as submitted in DIR-6 form.Click on the 'Next' button. The system would verify the details.If the details filled do not match with DIR-3/ DIR-6, as the case may be, for the reason that you do not have your DIN application details, you can get the details from the company in which you are a director.If the details are correct, the system would prompt you to select the DSC.Click on the 'Select Certificate' button to browse and select the certificate. Please ensure that the selected DSC belongs to the applicant, whose particulars are being registered.System shall validate the DSC. If the selected DSC is already registered against given DIN, system will give an informatory message. If a different DSC is already registered against the given DIN, system will ask if the user wants to update his/ her DSC.Type the displayed system generated text for verification in the box provided.Click on 'I agree' button to agree to the declaration that details furnished are correct.Click on the 'Submit' button to register your DSC.Acknowledgement message is displayed to the user.User can take a print-out of the acknowledgement.The applicant can click on the 'Reset' function to clear the data in the fields.Step by step Process for Manager/Secretary/CEO/CFOStep by step process to be followed for registration ofManager’s/Secretary’s/CEO's/CFO's DSC is as under:Click on the 'Register DSC' link available on the MCA portal homepageOn the next screen, click on the 'Manager/Secretary/CEO/CFO' link on the left hand panel and fill-up the particulars. Please ensure that the Income tax PAN and other details are as per the information filed in DIN-3 Form.Click on the 'Next' button. The system would verify the details.If the details are correct, the system would prompt to select the DSC.Click on the 'Select Certificate' button to browse and select the certificate. Please ensure ,that the selected DSC belongs to the applicant, whose particulars are being registered.System shall validate the DSC. If the selected DSC is already registered against given PAN, system will give an informatory message. If a different DSC is already registered against the given PAN, system will ask if the user wants to update his/ her DSC'Type' the displayed system generated text for verification in the box providedClick on 'I agree' button to agree to the declaration that details furnished are correct.Click on Submit button to register your DSC. message is displayed to the user.User can take a print-out of the acknowledgement..The applicant can click on the 'Reset' function to clear the data in theStep 1: First you need to logon to the Income Tax India website for the process of registering and using a digital signature for the purpose of e-filing of your income tax returns.Step 2: Now you have to click on the ‘Log in’ button which appears on the official Income Tax e-filing website.Step 3: Users who have already registered with Income Tax website can log in using their credentials, otherwise you need to register as a user. Fill in the correct details and click login.Step 4: After you have logged in successfully click on the ‘My Account’ button.Step 5: Click the ‘Update Digital Certificate’ option displayed below the ‘My Accounts’ tab and immediately a download starts. A message may pop up with a warning that the file being downloaded may damage your computer as it is from an untrustworthy source. Ignore this message and click on ‘Yes’, ‘Accept’ or ‘Continue’ depending on the type of your browser.Step 6: A file called ‘Store Certificate’ will be downloaded to the computer system at this point. It will store a local copy of your digital signature on your computer.Step 7: Go back to the web page and select the option ‘Upload your USB Token.’ A page immediately opens with a button saying ‘Select Your USB Token Certificate’. Click on this button and then click ‘Browse’. This will open up a selection prompt window.Step 8: Use the selection window to find and select the file that you previously downloaded. The file can be found in the path C:\WINDOWS\system32\eTPKCS11.dll.Step 9: Select the above mentioned file (eTPKCS11.dll) and click ‘Ok’. Then enter the Token password and finally click on ‘Sign’.Steps for Uploading Income Tax Returns Online Along With Your Digital SignatureStep 1: Completely prepare the Income Tax Returns Form by correctly filling up the required details and save this file as an XML file on your local computer system.Step 2: Open the Income Tax India website’s login page and enter your credentials to log in to your private income tax management dashboard.Step 3: Click on the tab ‘Submit Return’ and then select the appropriate assessment year.Step 4: On the page there is a drop down menu which has the ‘Form Name’. Select the ‘Form Name’.Step 5: A question “Do you want to digitally sign the file?” comes in the next field. Now click on the ‘yes’ option.Step 6: In the next field you can select the digital signature that you wish to use among “Sign with .PFX file”, or “Sign with USB Token”. Select the best option depending on your e-filing requirements and then upload your ‘Income Tax Return’ using the selected digital signature certificate and authenticate the same.Using digital signature certificates for e-filing of income tax returns makes the entire process hassle free and transparent. This procedure also makes individual tax players to be more self-sufficient in managing their own finances and prevents any misinterpretations or frauds during e-filing. The Income Tax Department is also facilitated so that it can immediately process the refunds for taxpaying individuals soon after they electronically file their income tax returns.
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