Validate Electronic signature Presentation Online
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Validate Electronic signature Presentation Online. Investigate by far the most end user-helpful knowledge of airSlate SignNow. Control all of your record processing and revealing method digitally. Change from hand-held, papers-dependent and erroneous workflows to automatic, electronic digital and perfect. You can actually create, produce and indicator any files on any gadget anywhere. Be sure that your crucial business circumstances don't slip overboard.
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FAQs
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Computer Science: How do digital signatures work?
Note:The terms ‘electronic signature’ and ‘digital signature’ are often used interchangeably. However, the primary differences between ‘electronic signature’ and ‘digital signature’ are linked with signature laws and regulatory requirements.How do digital signatures work?The signature software leverages a public key algorithm to generate two keys that are mathematically linked: one private and one public. In order to create a digital signature, the software then creates a one-way hash of the electronic data to be signed.When a user signs a document online, he/she leverages the private key to create a signature. On a general basis, the private key remains under the sole control of the owner. This private key is used to encrypt the hash.The encrypted hash, along with other information, such as the hashing algorithm, together forms a digital signature.How digital signatures help validate integrityThe value of the hash is unique to the hashed data. Any change in the data, even by a single character, will result in a different value. This attribute enables users to validate the integrity of the data by leveraging the signer's public key to decrypt the hash.If the decrypted hash matches a second computed hash of the same data, it proves that the data hasn't changed since it was signed.If the two hashes don't match, then it is a clear indication of the fact that either:(i) the data has either been tampered with in some way (integrity) or(ii) the signature was created with a private key that doesn't correspond to the public key presented by the signer (authentication).
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What is the future use of a digital signature?
The present time is all about getting things online because of which gradually many conventional methods are being replaced by modern techniques. One of such traditional method of getting signatures on a document has transformed from pen and paper to digital signatures. It is due to ease of use, data security and validation from many government regularities.“An Insight Into Digital Signatures & Its Future In The Industry”Definition of a signature by oxford dictionary is: “A person’s name written in a distinctive way as a form of identification in authorizing a cheque or document or concluding a letter.”Modern day technique of signing documents online has taken the digital space to new heights. Secure electronic signature have proved to be the safest and tampered proof method of handling documents through the signature process. Many countries have permitted this process by issuing governing acts and legislation that defines digital signature constitutes.So How Do they Work?Basically electronic signature or precisely digital signature is based onto cryptography technology. In this the user is provided with two keys one private and the other public. While sending a document you will use your private key for signing it digitally and the recipient will authenticate the document using its public key.Here’s how it functions:The document is uploaded and sent out for acquiring digital signatureA cryptographic hash will be generated with the private key of the sender and then attached to the document.The recipient entity will receive the encrypted document along with the public key certificate of the senderUsing the public key the recipient will decrypt the hash and then from their end generate a cryptographic hashIf both the hash values matches it ensures the authenticity of the documentRelying Onto Secure Electronic SignatureThe future of digital signature is very promising as gradually the traditional signature method is becoming obsolete. Many service provider of digital signature has started offering free esign services to its users in order to capture more business. So get onto this super fast and less time consuming means of digital signature without compromising on the security for your business. Because- “the future is here”!!!
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What is Aadhar based e sign?
Aadhaar e-Sign is an online electronic signature service in India to facilitate an Aadhaar holder to digitally sign a document. The signature service is facilitated by authenticating the Aadhar holder via the Aadhar-based e-KYC (electronic Know Your Customer) service.- WikipediaTo e-Sign a document, one has to have an Aadhaar card and a mobile number registered with Aadhaar. With these two things, an Indian citizen can sign a document remotely without being physically present. e-sign service saves costs and time required to sign a document and it is also as legally valid as a handwritten signature or a digital signature done using a digital signature certificate.Benefits of Aadhaar based eSign:Instant signing: Aadhaar based signing service allows users to sign documents instantly using Aadhar numberEasy to use: The signers just need to have Aadhar number and registered mobile numberLegally valid: The Indian IT Act 2000 legalizes Aadhar e-signature as legally valid as a handwritten signatureI have come across various companies that that perform e-sign servicesThe best one I found is https://veri5digital.com
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Is an online agreement with a university (with no physically signed contract) considered a written contract or an oral contract,
I am not a lawyer. And I am giving you only my personal opinion, not a legal opinion. My feeling is that it depends on how, exactly, the company presented the contract and the signature page. It also depends on the status of the university. Any business can use the word “university” in its name.Any business that gets online signatures from its customers needs to follow certain rules. Those rules can be pretty complex. By and large, these rules work. But then a dispute is an exceptional situation. So the by and large thing doesn’t mean much, legally. For instance, there’s a huge difference b...
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What is digital signature certificate and why is it required?
A Digital Signature Certificate is a secure digital key that is issued by the signNowing authorities to validate and signNow the identity of a person for digitally signing the document. One has to create a digital signature certificate before signing a document digitally. Digital signature certificate holder does not need to be physically present at the time of signing a document. They can sign from anywhere, anytime from virtually any device. Usually, digital signatures are much more secure than electronic signatures. Documents signed via digital signatures cannot be altered or edited after signing, which makes the transaction much more safe and secure.In layman’s language, digital signatures are used to check the authenticity of the signer and the sender signing the document and safeguards all the sensitive data, whereas a digital certificate is used to verify the authenticity of the source who issued the certificate.There are three types of digital signatures issued by the signNowing authorities: class 1, Class 2, and Class 3 Certifications.For more information on the digital signature certificate, please check this link. eMudhra | Buy Digital Signature Certificate | Paperless DSC Online
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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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Can I have a digital signature on a power of attorney?
If the state’s law relating to powers of attorney requires notarization, this will not work. Contracts may (and often do) have provisions that allows for this sort of service to be used, or for “execution in counterparts” (meaning one party signs one copy of the contract, another signs another, and the signed copies are afterward exchanged). However, when statutory requirements are involved, such flexibility is removed.State law varies on the formality of execution of this type of document. Some may require the agent or attorney-in-fact (the person to whom the power of attorney is given) to counter-sign the document for it to be valid (Pennsylvania does require this, but the counter-signature does not seem to need to be signNowd¹).The document must comport with Maryland law if you are a Maryland resident making it in Maryland.² While my inspection of the Maryland Estates and Trusts Code³ appears to suggest that only the maker’s signature needs to be signNowd and is silent as to countersigning, witnesses are required. With regard to delivering the document to the agents, you’d want to consult a Maryland lawyer who could give you a much better opinion on whether it’s in fact necessary for your attorneys-in-fact to sign anything or whether they need to sign before the notary.If they do, you don’t have to have everyone actually come to Maryland, but you will have to physically transport the document to them, have them sign it (before local notaries, if need be; in the case of the resident of Germany, either having it done at the U.S. consulate or furnishing a thing called an apostille from the German government showing that the German equivalent of notarization was done in due course by a qualified person), and return it to you or the primary agent. Notarization under the law of the place where the document is signed is normally sufficient. Generally notarization is subject to a form of comity.I shouldn’t think that “digital signatures” are even substantially similar to notarization, and thus not equivalent. I wouldn’t attempt to argue the validity of a power signed in this manner here in Pennsylvania. Again, though, your local lawyer could give you an opinion you’re entitled to rely on and it might be different from my “general observations.”Notes:¹ 20 Pa.C.S. § 5601(b).² Per question details. Obviously, to make this answer more general, substitute “law of your place” for “law of Maryland.”³ Md. Est. & Trusts Code §§ 17-110(a)(3), 17-202.
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