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FAQs
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Is there an industry standard e-signature software that insurance companies use for online life insurance sales?
Many insurance companies use signNow for their e-signature needs. It has the best online link/forms solution in the esign industry so that you can integrate new enrollments directly from your website. There's also a flexible API for integrations as well. If you want to send documents in bulk for esigning, like customer renewals, you can do that too. There's also an in-person signing feature for clients right in your office. signNow just integrated with Salesforce and has payment processing capabilities as well. signNow is easy to use, cost-effective and has great customer service if you have any issues. You can sign up for signNow's free trial on their website and request to see a webinar to check out how it will work for your requirements.
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How do I transfer car ownership in Pune?
All RTO services are available online ( no need to catch Agent)Online Process:Before starting transfer process online, keep all the details of seller, buyer and vehicle details handy (like pan number, Aadhar number, address, engine number, chassis number, insurance details)1. Go to VAHAN 4.0 (Beta) , Select the state other than Delhi and add the vehicle registration number (i.e. MH1X99XX) and proceed.2. Go to Online Services >> Misc (Ownership transfer)3. Enter vehicle chassis number (last 5 digits) and mobile number to receive OTP4. After successful OTP verifcation it will navigate to ownership transfer form, fill all required details of seller, purchaser, and vehicle.5. Cross check the details and proceed further to payment page .6. Rs. 550/- is the fee for Car ownership transfer, it may differ for other type of vehicle7. Pay the fee online and it will generate Form 29, Form 30 and E-payment receipt (download all this forms, Form 29 requires two copies to be downloaded)8. Make signature of seller and buyer wherever mentioned on all of these forms.Considering vehicle belongs to same RTO, below documents are required_Signed Form 29, Form 30 and E-payment receiptId proof and Address proof of seller and buyer, if buyer does not have permanent address from Pune, he/she needs to provide registered rent agreement with police verification.Original RC document from sellerLatest PUC certificate from sellerPencil print of chassis(5 copies), you can find chassis number below driver seat.Insurance details copy from seller.One passport size photograph of buyer.Lastly visit RTO office along with all the mentioned documents and submit it.In next 4–7 days, your application of vehicle ownership transfer gets approved and transferred. (RTO will notify this through SMS).It will take 10 - 30 days for RC smart card to get delivered to your mentioned address.As RC smart card take time to get delivered, you can download your RC particulars online for Fee of 50Rs. (RC particulars is the document you can provide for insurance transfer and other vehicle related transactions also its valid document when you do not have the RC smart card)To downlaod RC particulars _1. Go to VAHAN 4.0 (Beta), Select the state other than Delhi and add the vehicle registration number (i.e. MH1X99XX) and proceed.2. Go to Online Services >> RC Particulars3. Enter vehicle chassis number (last 5 digits) and mobile number to receive OTP4. After successful OTP verification click on show details , it will show one form with restricted vehicle details.5. Below that form it will ask to pay Rs. 50/- 6. After successful online payment it will generate RC particular form which you can download and use it as valid RC document until you get RC smart card.(remember to download the RC particulars otherwise, next time also you need to pay Rs. 50/- to generate it again.)If you thought my answer was helpful, it would mean a lot to me if you could press the light blue upvote button below.
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What’s the rudest customer service experience you have ever had?
So we had been with a certain national bank for about 12 years. We had issues with them off and on, but it wasn't enough to make us want to go through the hassle of finding a new one.Then 2016 happened.It was a chaotic but exciting time for my family. We sold our house and upgraded just a few miles away. Naturally, we were excited but had a long list of things to update. Included on that list was the bank information.We walked into the local bank branch to change our address about a week before we moved. No harm; no foul. It was easy enough.Most of our banking is done online, so it wouldn't be shocking not to receive statements to our new address. I started to realize though that some letters to new address were just addressed to my husband and not myself. Odd, but it's not alarming yet.My debit card expired in December of that year, and around late October I received an email indicating that a new debit card had been mailed to me. Sweet!Only it didn't come. We waited. And waited. And waited. We would call, only to be told that it could take a few weeks.No new debit card for me. Meanwhile, my husband had already received his.Going online, we realized that they had the old address for me still listed. Once again, we trudged down to the post office to get it changed.Side note: Why wasn't mail being forwarded? Good question. Our city postal service struggled with that regardless of our efforts. Different story.Anyway, the next week it was - again - going to be sent to me. And again, no new debit card. It was sent to my old one.This went back and forth for weeks. For some reason, they would not update my address. Usually they would just cancel the debit card that had been sent to the wrong address, but in mid-December they actually canceled my working card, too. Oops.Finally we signNowed an agreement with a supervisor that a new card would be overnighted to one of the few branches open on Christmas Eve. It should be in their mailbox by 11 AM, which would leave us time to still head out of town for the holiday.We made our way down to the branch. It wasn't really close to us, but I really needed a working debit card. We went into the branch, which was located within a grocery store.Two people were working.One other person was in line. One teller was on the phone.When we signNowed to the counter, we explained our situation. We were hopeful that this would solve our issues. Unfortunately, it went south. Fast.The first teller flat out told us to get to the back of the line (by now there were a few other people) because she was busy with other customers. We looked around - she was busy with US. We are customers with a healthy bank account, so...how were we not CUSTOMERS?We asked for clarification. All we wanted was her to check the mailbox for an overnighted envelope with my debit card in it. Mind you, I had no working card.She started yelling, saying she couldn't leave her customers and to - again - get to the back of the line. We calmly explained that we were customers, too. At some point she would have to assist us. We just needed her to check her mailbox. Please. Please. Please.I was almost crying at that point. This entire situation has been a mess despite doing everything we could on our end.That set her off. By now, we had both tellers screaming at us to get out of their bank....all because we wanted her to check the mailbox. For my debit card. Which their bank continuously failed to send to the correct address.I wish I were kidding. If I could get the video footage of it, I would.We immediately placed a call to the bank's call center to at least get it noted what was going on. The supervisor, though at first defensive of the tellers, quickly admitted that they both acted inappropriately. We were even given a credit of like $50 for our trouble. (Weee!)He overnighted ANOTHER new card to my parent's address, which thankfully came on Dec. 26.He also FINALLY updated my address in their system. He had no idea why no one else had been able to update it.Flash forward to March. It was payday, and I had tried to buy a Groupon for something like bowling for the family. My card was declined -- interesting. It also happened at the same time that other people were tweeting that they weren’t able to use their debit cards either. There must be a national outage, right?Wrong.My boss frantically contacted me to ask if everything was okay - my paycheck had not gone through.Naturally, we called to find out that the bank had terminated our relationship. They claim that they sent us a letter in January, but we never received anything like it (though I don't know if I should blame them or our postal service for that one).Why did they terminate our relationship, you ask?Easy: we were in violation of "misconduct" with the tellers who apparently reported us as being belligerent. We may have raised our voices slightly, but it was THEY who yelled at US. I’m not exaggerating here. I’ve never had two grown women yell at customers like those two tellers.No one wants to work on Christmas Eve, but come one now!There was no appeal. It was a done deal - they didn't really care about our side of the story.It turned out in the end because we love our new bank, but dang - it was one of the worst experiences we had ever gone through with bad customer service that went on to actually hurt us beyond the incident.Funny enough, the bank still sends me emails asking me to open a new checking account.
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How do you sign a contract over email? What is the process?
I am not sure if you are asking logistics on this so I am going to give you three options. 1. An exchange of multiple emails can be considered a contract. It takes an analysis of all the emails to determine what terms are part of the contract and when it was formed etc. So no actual “signature” is needed if this is the case you are referring to. There is a chance that an exchange of emails between two parties to provide something to one another can sometimes be seen as a contract. 2. You can sign a physical copy of the contracts and scan them into your computer to be sent via email. This can be done with an actual scanner, or an app on your phone that will scan docs turn them into PDFs and then email them out. This is still legally binding, assuming the contract is valid in the first place. 3. Finally, there are multiple e-signature apps such as signNow that are recognized by the courts as valid signatures and therefore legally binding. Most of the the real estate transactions I have dealt with regularly use signNow and I use it personally for client forms etc if the person is uncomfortable with scanning or is not in my area to physically sign documents in front of me. I hope this was helpful and answered your questions! If you have more questions feel free to email me at shannon@montgomerypllc.com [ mailto:shannon@montgomerypllc.com ] or check out my firms page at Home | Montgomery Law, PLLC [ http://montgomerypllc.com/ ] I am always posting articles about contracts and other business law issues you might find it helpful! Please note that none of the above is to be considered legal advice nor has an attorney client relationship been created. I do not know you or your situation and I have not been retained as your counsel. This is merely meant as some general legal knowledge.
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Can a programmer single-handedly found his/her or another well-known employer?
I know it is lame answering own questions, but I cannot clarify it after posting a link. It’s either/or, so I’ll do it via an answer.First off, the question is about meritocracy. If you are adequately compensated for your effort and ingenuity, you can just keep growing at your current employer instead of founding anything. Read no further if that’s your case.If it’s not, and you are ambitious: thus underpaid, unappreciated, and almost always underutilized - overqualified for the pigeonhole your bosses put you in (fixing layers of spaghetti shit developed before you), you have undoubtedly ha... How do I extract emails from LinkedIn? Tons of email extractors make it easier than ever. Back in the day, Hunter.io was one of the most popular extractor until LinkedIn prohibited them in 2017. As for now, SignalHire Chrome Extension allows extracting both - personal and business emails from LinkedIn.As opposed to other ext...
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I have my PPF with axis and I want to transfer it to SBI, can you help me?
Yes, PPF account can be transferred from one bank to another bank or from Post Office to Bank seamlessly.Procedure to transfer a PPF account from one Post Office or bank to another Post Office or BankTake the photocopy of an existing PPF Account Passbook. Later on, this may be helpful in case you find any discrepancies in your PPF account or showing the proof of investment for tax saving purpose.A written application for transfer needs to be made to the Post Office or Bank from where an investor wants to transfer his PPF Account. Along with this written application, you also have to fill the PPF Transfer Form (SB10-b). You have to provide your PPF Account Details, names and addresses of the branch/bank/post office where it is held, as well as the location where the transfer is sought. You will find the written application format at HERE.The next step is a verification process of signature by the existing Post Office or Bank. Once this process is finished, then the existing Post Office or Bank will arrange to send the original certified copy of the account, the account opening application, nomination form, specimen signature, etc. to bank branch address provided by the customer, along with a cheque or DD for the outstanding balance in the PPF account.Once the transfer documents along with Cheque or DD received by the new Post Office or Bank then you have to fill the fresh PPF Account Opening Form (Form A).Along with that, you have to fill the PPF Nomination Form (Form E), if you have not opted nomination earlier. In case you want to change your nominee, then fill PPF Change of Nominee Form (Form F).You have to submit fresh KYC documents once again (even though you submitted earlier or done KYC earlier with your savings account).You will receive the new passbook from the new Post Office or Bank with past credit is shown as Balance Transfer.From now onward, your account PPF account will be with the new Post Office or Bank as a CONTINUED ACCOUNT.Problems one may face during transfer-Too much delay in transfer (especially if it is from the Post Office to Bank). The Major reason will be the lethargic attitude of officials.Interest credit issue. As I said earlier, the old Post Office or Bank will credit interest up to previous 31st March. The new Post Office or Bank has to calculate the balance of credit interest from 1st April. However, in some instances they may consider from the date of the actual transfer. Suppose you transfer the account on 10th June 2015 then also new Post Office or Bank must credit interest considering the balance from 1st April 2015. However, few Post Offices or Banks, credit interest considering the balance from the date of transfer i.e. from 10th June 2015. Hence, check the balance and interest credited once the interest credited after the end of FY.In such delayed or errors, you have option to complain the Bank or file an RTI to rectify the same.For a complete post related PPF Transfer, refer my blog post “How to transfer PPF Account from Post Office or Bank to another Post Office or Bank?”.
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How do I register a startup in India? How much money and time does it take? If am currently only 17, what issues will I face dur
Algorithm for starting a Private Limited Company: Engineer's View Personally I believe, If someone is starting a company with long term perspective or to bring some change through their unique Product/Services, one must go for Private limited firm. Prime reason for this is easy to raise funds from Angels/VC in case you go for investment. Step 1. Registration of Company 1. Name Selection: Check whether your desired company name is available or not at MCA website [ http://www.mca.gov.in/ ]. Name must be unique & must resemble with business you intend to do (highlighted one). EX: Arihant Labs Retail Services Pvt. Ltd 2. Registration of Name at ROC: Name approval usually takes maximum of 14 days. This is done online through MCA website. Moreover, you need to apply with at least 4 names for approval with a writeup about significance of names with main business of the company. 3. 1. Documents Required: 2. 1. Options for names for the proposed Company (on the basis of preference) 2. Amount of Share Capital; proposed shareholding ratio 3. A paragraph on the proposed major line of business of the company (main objects) 4. City of Registered Office. 5. Copy of ownership deed/sale deed(if property is owned) 6. Copy of rent agreement with NOC (if property is rented) 7. Copy of latest electricity bill/telephone bill/mobile bill for both directors 8. Copy of latest electric bill/telephone bill for the registered office proof. 4. Obtaining DIN & DSC: 5. 1. Documents Required 2. 1. PAN Card copies for directors and shareholders. 2. Voter ID/Passport/Driving License for directors and shareholders. 3. Occupation of the Directors for directors and shareholders. 4. E-Mail IDs of all directors and shareholders. 5. Phone Numbers for all directors and shareholders. 6. Photos for directors and shareholders 6. Company Incorporation: After above mentioned formalities have been completed, we need to file following forms/docs in Rs 100 stamp paper: 7. 1. Affidavits for non- acceptance 2. INC 9, INC 10 3. DIR 2 4. NOC : This is required to be filed by the owner of the property on which your company will be situated. 5. Subscriber Sheets of MOA & AOA 6. Documents required for filling MOA & AOA 7. 1. Must be filled on OWN handwriting 2. Passport size photos 3. Sheets needs to be witnessed by CA/CS/Advocate Step 2. Obtaining PAN/TAN: After company gets incorporated, you may apply for PAN/TAN. Step 3. Trade Licence in case you are selling PRODUCTS: This is required in some places for carrying out sales. You can obtain this from local Municipality. Step 4. VAT/CST registration for selling Products: For selling intra-state, you need VAT registration & for selling inter-state, you need to register for CST. 1. Documents Required: 2. 1. Trade Licence 2. Company Incorporation Certificate 3. PAN card of company as well as of all the directors 4. Proof of residence of Directors 5. Proof of occupancy of place of business (Rent agreement/ ownership deed, Rent Bills etc) 6. MOA & AOA of company 7. Current Account in the name of company in any national bank Step 5. Service tax registration for Service Industry: In India, you need to pay service tax of 14.5% on every services you have charged customer for. 1. Documents Required: 2. 1. Company Incorporation Certificate 2. PAN card of company as well as of all the directors 3. Proof of residence of Directors 4. Proof of occupancy of place of business (Rent agreement/ ownership deed, Rent Bills etc) 5. MOA & AOA of company 6. Current Account in the name of company in any national bank That's All folks! Your STARTUP is up to Conquer the World. UPVOTE & SHARE your views/issues We at labkafe [ http://labkafe.com/ ], prefer taxmantra [ http://taxmantra.com/ ] for our legal requirements.
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How much bank balance do I need to show for Singapore tourist visa from India?
50,000 - 1,00,000 INR should be minimum for one week trip per person.Other documents include:Passport (having 6 month validity and at least two blank pages)Return flight tickets (confirmed)Bank Statements (6 month latest)Latest Salary Slip (if you are employed)Company ID Card (if you are employed) or Leave Letter on Company Letter HeadAddress Proof (current) of people travelling with you (on company letter head if possible or any bill such as electricity bill, water bill, rent agreement etc. will do)2 photos per person 80 % face size 3.5 mm x 4.5 mm on matt finish paper white backgroundDuly filled visa form (Form 14A)Covering Letter with itinerary and purpose of visitITR (Income Tax Return) for last 3 yearsVisa Fee (30 SGD)/(1600 INR)Birth Certificate (if you are under age)Hotel Bookings (not mandatory)Cash (Around 500 SGD minimum) / Forex Card for your expense.Also, do keep a photocopy of above documents handy.Once you produce all docs you need to carry e-Visa along with your passport at immigration. Immigration officer will stamp your passport and you are free to enter Singapore.
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Is DSC mandatory at the time of GST registration of the proprietorship firm?
No, DSC is not mandatory for GST registration and further return fillings for proprietorship firm.At the time of registration, Verification can be done through OTP on mobile registered with aadhar card of proprietor.At the time of return filling, Verification can be done through OTP on mobile registered with aadhar card of proprietor as well as e mail id.Thank you.
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