eSignature: ESIGN Act consent, decline, auto-filing, and a Certificate of Completion on every executed document
The signed PDF now files itself to the client record, every signer consents before signing, a signer can decline with a reason, and each executed document carries a Certificate of Completion, a legal statement and the disclosure the signer accepted.
PrismAMS eSignature has been able to prepare, send and sign documents on any device since the spring. This release gives it the legal plumbing agencies and carriers expect from a signature product, and it removes the last manual step: nobody downloads the signed PDF and attaches it to the client any more.
Consent, recorded per signer
The signer page now opens with the Electronic Record and Signature Disclosure required by the ESIGN Act (15 U.S.C. 7001(c)) and a checkbox. Consent time, IP address and browser are stored per signer and printed on the certificate. A signature cannot be applied until consent is on record.
Decline with a reason
A signer can decline from the disclosure or from the signing page and say why. One decline voids the whole envelope, the sender is emailed with the reason, the eSign hub shows who declined and why, and the activity lands on the client's timeline.
The signed document files itself
On completion the executed PDF is filed into Documents on the client record, tagged as a signed eSign document with its SHA-256 hash, and a document-added activity lands on the client feed. The eSign hub links straight to the filed copy. The sender and every signer receive an email with the finished document.
Certificate of Completion, legal statement and disclosure
Every executed PDF now carries three appended pages: a Certificate of Completion listing each signer's consent and signature times, address and browser, and the document hash with instructions on how to verify it; a Legal Statement and Signature Certification covering legal effect under E-SIGN and UETA, attribution, integrity, the right to decline and retention; and the disclosure the signer agreed to, reproduced verbatim and versioned, so the record proves what the signer saw.
Document types that should not be e-signed
Review & Send now requires a document type. The E-SIGN section 103 carve-outs, including a notice of cancellation or termination of health or life insurance benefits, court documents, and anything that must be notarized, are listed and cannot be sent. The block is enforced in the interface and again by the server.