Volume 3, Number 1
|Table of Contents|
Think Before You "Click"
The riddle for modern times goes like this: When is your signature not your signature?
When is something in-writing never written? The answer is simple but the impact is enormous.
Since the middle ages, people have memorialized their important legal choices with the ceremony of laying ink on paper and briefly waiting for it to dry. The ritual not only emphasized the importance of the action being undertaken, but also its finality. Many readers can recall the nervousness and hesitation associated with putting pen to paper when the realtor slides a purchase contract across the table; or the banker, a loan; or the lawyer, a will.
Now in modern times, the signing ceremony may be replaced by the mere “click” of a computer key. A legally binding contract may only exist as electronic fields and templates associated by a database program stored in the memory of a computer. A digital or electronic signature binding you to the contract may be symbolized by something other then your name and might not exist on any paper anywhere.
Most states have adopted a Uniform Electronic Transactions Act . The Ohio UETA says that an electronic signature may be attached to or logically associated with an electronic record. The law provides that:
Since WWII businesses in need of product have enjoyed the ease of being able to mail a “purchase order” to a supplier. Such orders, received in the normal stream of conference, cause the fairly automatic shipment of the requested product, which arrives with an “order invoice” attached, requesting payment of the amount due. This practice makes business more efficient by eliminating the need for buyer and seller to enter into a separate contract each time a purchase is desired. The E-commerce laws now permit businesses to make purchases simply through the use of e-mail.
In tandem, the federal Electronic Signatures in Global and National Commerce Act (ESIGN) decrees that in the United States the use of a digital signature is as legally valid as a traditional signature written in ink on paper. The law also contains some consumer protections. Information required by law to be in writing can be made available electronically to a consumer only if the individual affirmatively consents to receive the information electronically and if the business clearly and conspicuously discloses specified information to the consumer before obtaining the individual’s consent. A consumer’s consent to receive electronic records is valid only if the consumer confirms his or her consent electronically, in a manner that reasonably demonstrates that the consumer can access information in the electronic form that will be used to provide the information that is the subject of the consent.
Under these laws, your consent and your signature may be represented by something other then your signed name. Some software makers talk about your digital signature.
However, this may refer to a cryptographically encoded document that alerts the reader to any alteration, or the reference may actually be to an attachment of a graphical image that really looks like your own signature. However, your e-signature may have nothing at all to do with an image of your name. The law provides that your e-signature can consist of almost anything. Even a voice print, a retinal scan, or a passcode can be considered to be your signature. Your consent to a contract can be given as easily as just filling-in a “dot” in an on-screen box, or the mere “clicking” of the “y” on your keyboard.According to an Federal Trade Commission study on this subject, a clue that you are dealing with an honest on-line party is that disclosures will be timely, clearly, and conspicuously made, with ample opportunity for down-loading and printing. A clue that you are dealing with unscrupulous operator will the presence of confusing or unprintable material. Either way, you need to think before you “click.” Although a “keyboard click” is a much more casual type of communication then the physical action of taking a pen across a printed page, it can have the same legal significance.