Are eSignatures Legal

Apex Articles

First of lets confirm what an eSignature actually is. An electronic signature, or eSignature is simply an electronic version of your handwritten signature that you would use on paper documents but created using your mouse, finger or stylus and used on electronic documents.

Before the technology was available to allow electronic signatures to be created companies had to either post out documents to their clients or get their clients to print out sign, scan and re-send documents which was not only slow and tedious and beyond the scope of many people.

You may see some websites utilising ‘tick to confirm’ checkboxes on their forms instead of actual eSignatures with some even stating that by ticking the box you are essentially adding your electronic signature. however, you won’t be surprised to hear that this is utter nonsense and meaningless, a misuse of the phrase electronic signature and it simply isn’t legally…

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New FCA Regulations Force Investment Companies to use eSignatures

New FCA regulation now states that before being offered certain types of unregulated investment opportunities individuals must self certify that they are either a ‘High Net Worth Individual’  a ‘Sophisticated Investor’  or an ‘Advised Client’ and that they are fully aware of the risks involved in these types of investment.

These new regulation where looked into soon after the 2008 financial crisis where literally thousands of people lost their money.  For High Net Worth Individuals and Sophisticated Investors where investment is their business this wasn’t life changing but for Joe Blogs who sunk his pension or his life savings into a scheme that went down the pan it was disastrous.

Joe Blogs blames the investment company or the agent selling the investment whilst the investment company claimed the investor knew the risks, now to be fair in some cases the investor was told the risks but on occasion he wasn’t, unfortunately their was no way to prove this and no recourse either way.

After 2008 the FCA brought out regulations stating the investment company must only sell high risk or unregulated investments to those who could afford to lose their money, so self certification was born.

In recent month however the regulations have been updated and high risk, unregulated investments can now only be offered to people who qualify so as to avoid temptation of the novice investor who sees high returns and a fantastic income being offered

This has caused a number of serious problems for many investment firms and agents, some struggle with emailing out documents that they expect the client to print, sign, scan and return before giving out website passwords whilst others are ignoring the FCA regulations all together.

This has meant that the investment firms and agents wanting to stay on the right side of the law must use electronic signing or signatures or risk losing the investor to someone else. There are a number of eSignature websites around offering eSigning services although most require that the document is sent to the investor for signing and the investment firm or agent must then manually send back login or url’s again causing unnecessary delays.

However, eSignlite one of the UK’s most popular eSignture websites has launched fantastic addition just for this purpose where rather than just emailing out a document links member can create reusable document links that members can copy to their website or entry pages and once signed and submitted the signee is then automatically given logins and/or urls making the whole process automatic.

eSignlite is suitable for all types of businesses, with work with financial advisors, estate agents, internet marketing companies and a whole host of other businesses all praising our system for being both versatile and easy to use and it our versatility that has prompt companies selling and promoting investments to move over to eSignlite.

eSignlite are currently offering a FREE 289 day trial member so if your an investment company get over to now and sign up, no credit card required

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Posted in Alternative Investments, General Investment Discussions, General investments, Investment News

Finding the Best Locksmiths Operating In Taunton, Devon

Local Home Services

The locksmiths are experts with regard to security systems and they’re going to provide all kinds of service which you need for your premises.” Taunton Locksmiths who want to remain in business and be successful are likely to need to investigate some sort of electronics,” Holcomb stated Most reliable locksmiths provide emergency firms round the clock so you may obtain quick support in getting access to your property.

Locksmiths are exceptionally good in regards to general security systems. They offer a number of lock choices to match with your needs. Eventually, and sadly, there are numerous locksmiths around who aren’t accredited locksmiths. ”In Taunton, Devon, for example, a veteran locksmith would not have any trouble locating a job,” he described.” It is extremely difficult for all of us to employ a competent locksmith,” he explained. Your regional locksmiths, security businesses and homebuilders may additionally offer additional tips which can help…

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Making your dull web site more appealing to visitors

Apex Articles

In the event your web design layout is flourishing, you’re now prepared to add distinct features like modules. Website design has arrived a ways in recent decades.  By taking a program, you are going to learn about web design and the way to write Hypertext Markup Language, also referred to as HTML. It’s important to keep the net Design or HTML light.

To lower the time it requires for your internet page to load, you’ll need to delete these added codes. When you’ve completed this, you’ve created your very first web page! It is only an web page free of content in it where it’s easy to put your own images and content working with the front page.

Using The Correct Web Design Tools

There is an assortment of sorts of design based on the aim of the site Moreover, there are different designs based on their page layouts. You may…

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Lies You’ve Been Told About Leigh Web Design Agencies

Apex Articles

In reference to deciding on a design for the site it really is typically best to keep it all quite easy and clean. Web design has developed enormously over the last several years, and programmers are always searching for new methods to make websites more user-friendly. Whether you’re looking for low cost internet design, or do-it-yourself selections, the net design Manchester services has something to provide you with

All About Web Design Leigh

In case you’re working with those who are conscious of what they’re doing then you are able to rest easy knowing your web design will be done to your precise specifications. Every internet design is unique. Wonderful web design is essential if you are likely to entice visitors to your net presence and keep them engaged. Look around the internet and detect the top sites online, they’re all use very straightforward web design with a lot of…

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Finding Quality Firewood and Logs for Sale in Leigh, Bolton, St Helens and Wigan

From the early 1900’s right through to the 1970’s and beyond coal was the most popular household fuel It was quite cheap and long lasting, unfortunately it wasn’t the cleanest of fuels and coal fire where draughty, dirty, messy and  inefficient and making a coal fire took a certain skill, remember your mother or father holding up a sheet of newspaper over the fireplace to get the fire started?

Cold fires where however warm and welcoming, they looked lovely, with multicoloured flames dancing above the coal, and glowing caves between the pieces of coal, but with the popularity of central heating rising, the coal fire began to die out and was replace with more efficient type of heating such as gas or old power central heating systems and electric storage heaters.

It was this way for many years up until recently when rising gas and electricity prices forced people to rethink their heating needs…

Log burners and wood burning stoves had been around for 100’s of years, nothing creates the ideal ambiance on a chilly winter’s night than the warmness of a wood burner. The popularity of burning wood has considerably increased over the past few years, for various reasons including: controlling costs by moving to a more sustainable, cheaper fuel, wanting to become more carbon-neutral or merely wanting to take pleasure in a real flame fire! This has created a demand efficient and stylish wood burners and a for fuel, but can any wood be burnt?

Any wood will burn of a wood burner, however you want to avoid buying cheap packs of wood off auction sites such as ebay simply because you don’t know what you are getting, the wood may be from a derelict industrial site or closed down factory and may have soaked up toxins over the years, toxins that will get released when burnt, the wood may also not be as dry and it looks and feels and the moisture may be inside the wood making it difficult to burn

To work efficiently and economically, wood burners and the like need fuels that have very little moisture, this is where Kiln Dried Logs come in. Kiln Dried Logs are the most proficient logs for wood burners and wood burning stoves… The low moisture content of kiln dried firewood and logs also means they are lighter so easier to handle and carry, Kiln Dried Logs  can burn for up to three times longer that standard wood making using it very economical

Bryn Coal, Wigan import the highest quality dry kilned hardwood logs direct from Latvia and stock a  range of Ash, Oak and Birch all with less than 20% moisture content for a superior burn.

Bryn Coal are specialist in the supply of all types of firewood, seasoned logs, kiln dried logs and kindling to residential homes and commercial premises in Leigh, Wigan, Bolton, St Helens and the Surrounding areas, visit us online for more information



Unit 17, Landgate Industrial Estate Ashton in Makerfield
Wigan, Lancashire, WN4 0BW

telephone : 01942 272 126 / fax : 01942 728 566

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Posted in Coal and Solid Fuels, Home Services

How to Find a Professional Locksmith in Tiverton, Devon

Locksmith Tiverton

We hear lots of horror stories describing bad locksmiths here in the UK. This is mostly down to the reality that no licensing, certification or even training is necessary to set up a locksmith company and carry out work, so it is simple for non-professional persons and companies to entice customers to use their services rather than the services of a competently trained locksmith, and with the amplified use of the internet nowadays it has become even easier for these people to set up a locksmith business that looks very legitimate when in fact they have had no training at all.


A professional locksmith is skilled; he or she will have been trained to pick a lock whenever feasible whereas an unskilled amateur will just plough in with a hammer, chisel or drill and leave you needing to change the entire door, believe me, this happens quite a lot.

When someone is locked out of their home, office or vehicle they typically reach for their mobile device and search Google for local locksmiths and without checking out the company of person properly they have chosen they simply call them and expect a professional locksmith to turn up… most people are lucky and this does in fact happen, but what happens when an amateur ‘have a go’ jack of all trades turns up?

Beware of The Bait & Switch Con!

So why would someone make a decision to select a certain locksmith from a list of search results? Well most of the time it’s the price, this is how the amateurs operate, they make sure they display a very, low price in their ad text or meta description that get displayed in the search results, a price much lower than that of any local competitor to secure your custom

All across the internet you will find the guarantee of £25 £35 set priced locksmith services from scam individuals and companies. Don’t fall into their trap! They will advertise and display one price and then charge you an arm and a leg for a simple 5 minute job claiming things like travel time, fuels tools etc where not included, some will charge by the hour and make sure a job that could of been done within 30 minutes takes them 65 minutes and thus charge you for a 2 full hours. The horror stories are all over the internet.

Beware of Locksmith Call Centres

When searching for locksmith Tiverton online you might come across paid ads offering locksmiths services all over the country from a single company, of course this isn’t a locksmith willing to travel anything up to 800 miles to gain entry to your home, office of vehicle, these are large call centre who will then ring a locksmith off their books and add their own percentage, not only will this cost you more but as a membership fee is also required from the locksmiths using these call centres they are not very fussy about who they have on their books and will not typically vet a locksmith or check whether he or she is professionally trained or not

North Devon Locksmiths are a professional and reliable company based in Exeter, Devon. Fully trained and vetted, we offer a friendly, local and competitively priced locksmith service. Our FAST RESPONSE call out service operates 24HRS A DAY, all year round with NO CALL OUT FEE or hidden costs.

Visit us online at

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Posted in Home Services, Locksmiths
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