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Frequently asked questions
How do you make a document that has an electronic signature?
How do you make this information that was not in a digital format a computer-readable document for the user? "
"So the question is not only how can you get to an individual from an individual, but how can you get to an individual with a group of individuals. How do you get from one location and say let's go to this location and say let's go to that location. How do you get from, you know, some of the more traditional forms of information that you are used to seeing in a document or other forms. The ability to do that in a digital medium has been a huge challenge. I think we've done it, but there's some work that we have to do on the security side of that. And of course, there's the question of how do you protect it from being read by people that you're not intending to be able to actually read it? "
When asked to describe what he means by a "user-centric" approach to security, Bensley responds that "you're still in a situation where you are still talking about a lot of the security that is done by individuals, but we've done a very good job of making it a user-centric process. You're not going to be able to create a document or something on your own that you can give to an individual. You can't just open and copy over and then give it to somebody else. You still have to do the work of the document being created in the first place and the work of the document being delivered in a secure manner."
Program where clients can sign documents?
What is the process for submitting an application? Are there any fees for completing an application?
What is the refund policy? If a client is dissatisfied with the service or a refund is requested, is there a deadline by which the request must be made or will refunds be made on a month-to-month basis?
Can I use a personal loan to help pay for an application to become a caregiver?
I am applying to become a caregiver. I have not finished high school and cannot afford to pay the application fee. What is my best option?
Am I eligible for a loan from a local agency?
Can I request my loan records and financial information electronically?
Can I apply for a loan from a national, state or local agency?
Is it a good idea to have a private financial advisor?
Can I get a loan from a company that does not handle my personal finances?
Who are the people who lend money on this website?
How does our Money Smart site work?
Is a loan really private?
How long does the loan typically take to process?
What is the repayment plan?
How much will the loan cost me?
Are there fees for making a loan to my spouse or partner?
What is the refund policy? If a client is dissatisfied with the services or a refund is requested, is there a deadline by which the request must be made or will refunds be made per month?
How does the loan application fee work?
How long does it take to receive my loan application fee?
When will my loan go through?
Can I get another loan from...
What's an electronic signature?
An electronic signature is basically just a message to someone who can't read that message. So, if you send somebody a message using email or something like that, you have a digital signature. And this isn't the only way you can get a signature. For instance, in a court case in the state of New York, the defendant, who is a bank or a credit union, can have a third party do a court-approved electronic signature that verifies the information on the electronic signature. But you can also get a signature that is completely automated, like when you sign your tax return."
But what's even more confusing than the concept of electronic signatures is that there's no legal mechanism to verify their contents. The fact that a digital signature is a digital message means that it's not easily verified. And the problem isn't that people can just print out digital signatures; it's that they can't validate them.
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What is it really like to receive your digital signature? "The thing is, if you receive the original signature, you can verify it. If I give you a copy of it on a computer, there are many ways to do that," says Wainwright. "The only way I know that I can verify a digital signature is by taking the digital signature and putting it into a digital camera. And a digital camera has a very, very, very simple method to determine if there's tampering or not—if the signatures really are there."
What's worse, the verification process doesn't actually matter, because, as I was...
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