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eSignature

Signatures at the speed of e

Using eSignature technology, businesses now have an alternative to expensive, complex, and outdated paper-based processes.  By handling signatures electronically, a company gives its customers secure access to quickly review, sign, and return documents.  And the solution can be integrated with other document delivery services, providing a seamless and comprehensive approach to managing all the documents you need for your business transactions.

 

And with expedite eSignature, eLynx’s on-demand signature service, getting documents signed electronically is even easier. You can simply upload your documents using your web browser, indicate who needs to sign and where, and send the package to an email address. The system takes care of the rest.

 

Are electronic signatures legal?

Under the Electronic Signatures in Global and National Commerce Act (E-SIGN) and the Uniform Electronic Transactions Act (UETA), electronic signatures hold the same legal status as conventional pen-and-paper signatures. eLynx’s signature service is fully compliant with all requirements set forth in E-SIGN and UETA (see Compliance tab below).  Conformity with these requirements has been verified by an independent legal entity and eLynx’s electronic signatures have been verified in a multi-state audit.


Applications:

  • Disclosures, applications, and policies
  • Loan Modifications
  • eClosing
  • Direct deposit authorization
  • Non-disclosure agreements
  • Purchase orders

 

  • Speed up most customer interactions
  • Spend less on printing, shipping, and handling
  • Maintain accurate signature records for auditing purposes
  • Automatically include signing information in process and workflow metrics reports
  • Always know the document status with automatic messages of significant signature events
  • Integrate automated print and mail fulfillment when paper is needed
  • Deploy in your online and retail channels (with or without signature pads)
  • ESIGN and UETA compliant
  • Obtain proof of identity with signer authentication prior to signing
  • Protect data integrity with document encryption

The most common method to integrate electronic signatures into your document preparation systems is to use an eLynx gateway.  The gateway looks and acts like a regular printer.  When a document is ready for signature, you simply print the document to the gateway printer.  The gateway then encrypts and securely transfers the document to an eLynx server where the signer can retrieve and sign it securely using the internet.

Under the Electronic Signatures in Global and National Commerce Act (E-SIGN) and the Uniform Electronic Transactions Act (UETA), electronic signatures hold the same legal status as conventional pen-and-paper signatures for most kinds of documents. However, eSignatures, like traditional signatures, must have certain characteristics in order to be enforceable in court:

 

Proof of Identity: Before the signing process even begins, it must be clear that the signer is who he says he is. expedite eSignatures integrates a multi-level authentication process that provides the highest level of assurance and documentation about the identity of the signers.

 

Intent: Under contract law, a person signing an agreement must understand what he or she is signing and its legal consequences, and must clearly intend to sign the given document.  When traditional signing is used, this means explaining the document and its significance to the signer. In an eSignature system, this additionally involves guiding the user through a controlled, unambiguous step-by-step signing procedure.

 

Non-Repudiation: When any contract is signed, it must not be possible for any party to later claim that they did not sign it, that it was not submitted, or that the document was altered after signing. To prevent repudiation, expedite eSignatures includes comprehensive security and authentication features and a complete audit trail.