Electronic signatures—or e-signatures—are everywhere. We click “Agree” or type our name on a device to open bank accounts, purchase vehicles, rent apartments, or accept online terms. Before you sign electronically, here’s what to know.
Are E-Signatures as binding as an actual “Wet Ink” Signature? Not Always!
An e-signature can be as valid as a handwritten one, but only if certain rules are met. Businesses must get your consent to use electronic records. As well, they must prove you can open and read them. Often a test file is sent to the consumer to confirm receipt. The business must also inform the consumer of the following:
1. The option to receive paper copies
2. The option to withdraw consent at anytime, and explain how to do it.
3. Whether consent applies to one deal or all future ones.
4. How to update contact information.
5. The type of device or software is needed to receive communications.
These safeguards exist so that consumers are not tricked into signing documents that may be difficult to see online or save.
What is an “E-Signature”?
The term “e-signature” is more than a digital image of your written signature. The law defines “electronic signature” broadly. It is any sound, symbol, or process used to show intent to sign a document. E-signatures can be:
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- Typing your name at the end of an email
- Clicking an “I agree” button
- Uploading an image of your handwritten signature
- Saying “yes” in a recorded call.
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The key is intent—you must intend to sign the electronic contract that your signature is applied to. But some companies may forge or copy and paste e-signatures to contracts that were never approved by the consumer. Forging an e-signature is illegal, just like forging a signature in ink on paper.
What “Metadata” Reveals
When you sign electronically, the system stores “metadata”, or hidden information that proves authenticity of the electronic document. Metadata
can show:
- Personal information: name, email or IP address
- Time and place: exact date, time and location when a signature was applied
- Device details: the computer, phone, tablet, or other device used to apply the signature
- Security codes: Digital ID that shows the file was not changed.
Metadata can even show whether a signature was forged—like proving it came from a location you had never been or device you never used.
Are ink signatures on paper documents still required?
While e-signatures are legal on many documents, some notices, such as those listed below, are required to be delivered in paper form and signed in ink. This is to insure that the person is fully informed and in agreement with the document.
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- Car repossession or mortgage foreclosure notices
- Utility, insurance, or benefit cancellations
- Eviction notices
- Lawsuits
- Product recalls or safety warnings
- Documents involving hazardous materials
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The Bottom Line
Be cautious.
E-signatures are fast and convenient. Used correctly, they are safe and legally binding. However, salespeople are trained to guide consumers in the purchase process and make them feel comfortable to get an e-signature on the documents they need.
Do your due diligence BEFORE e-signing
1) Take time to read all documents that are signed.
2) Get all questions answered.
3) Do not feel pressured to sign.
4) Request a paper copy of all documents showing your e-signature.
5) Maintain a complete file with all documents, handwritten notes, emails, text and phone messages.
Seek help from a qualified consumer law firm
Was your e-signature forged on a document? Were you tricked into an agreement?
Contact us.
Flitter Milz has helped many consumers across the country hold companies accountable for electronic forgery and deceptive practices in the use of
e-signatures.
For a no cost legal evaluation.
Phone: 888-668-1225
Email: consumers@consumerslaw.com
E-signatures are legally valid in most places, which means they carry the same weight as a handwritten signature. The problem is that many e-signature platforms don’t do much to confirm someone’s identity before they sign. If a crooked salesman gets into your email or other online accounts, they may be able to sign contracts in your name without you knowing. Unlike a physical signature, there’s no handwriting to compare, so proving you didn’t sign can be very difficult.
With handwritten signatures, experts can look for clues—like pen pressure, writing style, and unique letter shapes—to spot a forgery. But with e-signatures, there’s nothing physical to examine. Many systems let you “draw” a signature with a mouse or finger, but a scammer can copy yours from another document or even generate one that looks close enough.
When signing electronically, we recommend that you add the date immediately next to your signature. For example, this might look like “John Doe 8/15/2025.” Even if there is a separate space or line for the date, you reduce the risk of loss from a stolen signature by placing the date immediately next to your signature every time.
Many consumer-facing companies have trended towards including an arbitration clause in their contracts. This “forced arbitration” is a form of resolving disputes outside of the courts. Instead of being able to go to trial before a judge and jury, cases are presented to an arbitrator who decides the case.
litigated the enforceability of arbitration agreements countless times. Send your contract for a no-cost legal review. Our attorneys will determine whether your arbitration clause is binding.
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Flitter Milz, PC, with offices in PA, NJ, and NY, is a nationally recognized leader in consumer protection law, with over 30 years’ experience in the field. The firm represents victims of finance fraud, illegal vehicle repossessions, unfair debt collection practices, credit report errors, civil rights abuses, and other consumer protection matters in individual and class action cases. Pictured: Cary Flitter (center), Andy Milz (left), Jody López-Jacobs (right).
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