Electronic Signature Software That Works

Build client signature requests into a streamlined workflow using MangoShare's electronic signature module.

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With our MangoShare, requesting client signatures is simple and fast.

Verify signer identity with Knowledge-Based Authentication (“KBA”), capture a legally binding signature, and securely store completed documents — all at the push of a button.

Electronic-Signature

What is an Electronic Signature?

The Electronic Signature & Records Association (“ESRA”) defines an electronic signature as:

“an electronic sound, symbol or process that is attached to or logically associated with a record and executed or adopted by a person with the intent to sign the record.”

In layman’s terms, an electronic signature a string of virtual fingerprints that are used to verify the identity of a signer and intent to sign the document.

Why should I use electronic signatures?

We are all familiar with the old-fashioned way of requesting client signatures: Print. Sign. Scan. Repeat. After all of the hard work preparing the required forms, this seemingly simple process can lead to agonizing delays.

With Mango’s e-signature module, you can get documents signed by your clients at anytime and from anywhere.  You just upload the document and it is delivered to your client to sign instantly.

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Are electronic signatures legally binding?

The Uniform Electronic Transactions Act (“UETA”) and the Electronic Signature in Global and National Commerce Act (“ESIGN”) provide legal guidelines for ensuring the validity of electronic records and documents signed online.

 

Together, these pieces of legislation allow electronic signatures to be recognized as legally binding if the following requirements are met:

  1. The signer’s identity can be confirmed or authenticated using a digital marker, like an IP address.
  2. The parameters of the transaction are communicated and the signer undeniably intended to undergo the method of signing.
  3. The signature associated with the document is verifiable and has evidentiary documentation.

 

Mango provides a digital audit trail that compiles the following unique identifying information so you can validate the identity of a signer and prevent tampering:

  • IP addresses
  • OS and browser information
  • Geographic coordinates
  • Time and date stamps

The Tools Your Clients Will Like and Use Run on Mango

Innovative file sharing and electronic signature tools built for you and your clients

Electronic Signature FAQ's

Digital signatures work by leveraging an encrypted system that is based on a standard technological framework called the Public Key Infrastructure (PKI).

Static KBA methods allow users to select security questions and provide answers that are stored by a company and accessed later, usually when a password needs to be retrieved or reset.

Dynamic KBA, on the other hand, goes a step further by generating questions that apply only to the intended end user and do not require a previous relationship with the customer. These types of questions have also been called “out-of-wallet” as the content is generated from information within a person’s credit history or public records.

The questions are generated from the user's credit history or public records. Many regulatory bodies, including the IRS, require that e-signature users be authenticated using dynamic KBA.

To qualify as an enforceable electronic signature, there must be evidence of the signer's intent to execute or accept the agreement. This is typically accomplished by requiring the signer to take affirmative action, like typing their name or drawing their signature using a mouse or touchscreen.

Electronic Signature is a digital form of a wet link signature which is legally binding and secure. Digital Signature is a secured signature which works with Electronic signature and rely on Public key infrastructure.

Today, electronic notarization is legally authorized in all states by E-SIGN and/or UETA. However, as of October 2020, only 29 states have laws that enable their notaries to conduct remote notarizations.

The states that have implemented Remote Online Notarization (“RON”) statutes include: Alaska, Arizona, Colorado, Florida, Hawaii, Idaho, Indiana, Iowa, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, North Dakota, Ohio, Oklahoma, Pennsylvania, South Dakota4, Tennessee, Texas, Utah, Vermont, Virginia, Washington and Wisconsin.

To qualify as an enforceable electronic signature, there must be evidence of the signer's intent to execute or accept the agreement. This is typically accomplished by requiring the signer to take affirmative action, like typing their name or drawing their signature using a mouse or touchscreen.