Contracts & Agreements
Joe Martin's - Joe Martin & Associates, LLC
Mastery Business, Marketing, and Coaching Agreement
Please carefully read the following terms and conditions (hereinafter “Terms”) relating to your participation in The Joe Martin & Associates, LLC Martin University Mentoring Program for business and marketing success (the "Program"), which is owned and operated by Joe Martin & Associates, LLC., an Atlanta, GA based company (hereinafter the “Provider”).
By registering for the Program and signing this Agreement, you (the “Client”) signify your acceptance of and obligation to these Terms. If you have any objections to the following Terms you should neither register for nor participate in the Program because these Terms are legally binding.
By participating in the Program, Client agrees to abide by these Terms and understands that the decision of Provider regarding all aspects of Client’s participation in the Program are final and binding in all respects.
Membership
Clients enrolled in The Joe Martin & Associates, LLC Martin University Mentoring Program agree to the services offered by Provider below, and are requesting to be enrolled for a minimum of twelve (12) months in the Program (hereinafter the “Initial Term”).
Client must enroll for a minimum of twelve (12) months. Upon completion of these twelve (12) months, the client will have the option to sign up for and invest in an additional twelve (12) months of Program coaching (hereinafter the “Renewal Term”).
I. Weekly Calls
Weekly calls where Client can ask any question and brainstorm with the coach(es) regarding the next steps for moving forward, and for advanced success patterns.
These calls are also recorded as accountability calls and the coach(es) will not leave the call until all client questions have been answered. In addition, the coach(es) will share their own methods behind business and marketing, giving graphic detail on how they make massive breakthroughs with their business with methods that aren’t shared anywhere else online.
The primary purpose of the weekly coaching calls is that Client walks away with a clear step-by-step plan of action to move their business forward.
II. Marketing Makeover
Provider can review Client’s business websites and marketing materials and give advice on maximizing and leveraging the materials. This can be done on the weekly live calls.
III. Members Area Training
Weekly training modules will be updated directly into a secure member’s area with specific advice on building a successful client-based business.
IV. Direct Support Via Client Concierge Portal
Client will also receive a direct email address for client support and may send emails with questions or other needs. Provider will respond to emails, voice messages, and correspondence as fast as possible based on availability.
V. Resources
Guide Provider will recommend business and marketing services, including outsourcing resources for the duration of membership. VI. Private Community Client will be invited to join the private Facebook group with access where they will be able to interact with other members of the group to mastermind with and form potential alliances and business partnerships.
VII. Events
Provider will give Client access to periodic special live Event which Provider will host. If Client attends an Event, Client will agree to additional costs which may include, but are not limited to, travel costs, accommodation costs, food and beverage costs. Dates and locations of the Events are subject to change and will be announced to clients via email, as information becomes available. Clients may invite friends, family members, associates or business partners to attend the Events for a fixed fee to be determined per guest per Event for general admission. Client’s ability or availability to attend any or all live Events in no way influences the service or products offered from Provider, and full payment for the Program must be made by Client regardless of whether or not Client can attend any or all Events.
VIII. Client Conduct
Provider takes its business seriously and acts with integrity and professionalism. Provider expects Client to do the same. Thus, Provider requires Client to be respectful and professional to Joe Martin and other members of the Coaching group throughout the Program as well as to Provider’s staff, hotel hosts, speakers, and other Clients and their guests or families throughout the Program, plus live Events, including but not limited to during any non-‐scheduled downtime and breaks.
Provider reserves the right at its sole discretion to ask Client to withdraw from the Program or to leave a live Event immediately should they be deemed rude, uncooperative, unprofessional, intoxicated or in possession of any illegal substance at a live Event. By participating in the Program, Client agrees to respect Provider’s time, expertise and reputation and shall be concise, respectful and professional in all communication with Provider and other third parties.
Any abuse or overuse of Provider’s time or any disrespectful communication sent to Provider or Joe Martin & Associates, LLC by Client (with “disrespectful” determined solely by Provider), shall constitute a material breach of these Terms. An initial warning will be given by email to Client. A subsequent breach will warrant the immediate termination of Client’s participation in the Program without reimbursement in any form paid to Client.
In such case that Client is asked to no longer participate in the Program by Provider or Joe Martin & Associates, LLC, Client’s tuition/fees for the Program will not be reimbursed under any circumstances. Client will not receive any future products, services or correspondence from Provider. Client will not receive any of Provider’s advertised bonuses, or be privy to the private Facebook group and any of Provider’s content and materials for the Program.
In no circumstances in which Client is asked to leave the program by Provider will Client receive any reimbursement or permission to discontinue payments. Any payments still due to Provider will continue until paid in full.
Client Benefits
Provider agrees to provide the following business and marketing coaching services to Client while Client is a participant in the Program:
Membership Fees
The Fees for the Initial Term of this Agreement are as follows:
The Martin University Mentoring Program: (Credit Education)
This program is designed to improve the credit profile, there's a 12 month commitment at $199.99 a month to this program. The start-up cost is $499, then $199 a month. Our credit education, coaching, and rebuilding program is normally $3500 per year. Failure to uphold the 12 month commitment, the program will set back to the original cost of $3500 that will be collected from the member. By signing this agreement, you agree.
If the member's account goes into default after 4 days, the account will be suspended, and there will be a $249 reactivation fee plus the past due payment of $199.
Our credit education program is designed to help you understand the importance of a good credit score and how it can impact your business's success. We'll provide you with the tools and resources you need to rebuild your credit profile and get back on track.
We'll teach you different strategies to help ensure that you have success while working with our team.
Our team of experts is dedicated to helping you achieve your business goals, and we're committed to providing you with the support you need to succeed.
Business Credit Suite (Business Lounge)
Business Credit Consulting Agreement
THIS AGREEMENT is entered into, by and between Business Credit Advisor or Business Credit Coach (“Advisor”), Business Credit Consulting Client (“Client”), and the Business Credit Consultant (“Consultant”) upon the following terms and conditions: WHEREAS, Client desires to obtain Advisor’s consulting services in conjunction with a business the Client has an interest in. WHEREAS, Advisor and Client have agreed to enter into this Business Credit Consulting Agreement. NOW THEREFORE, in consideration of the terms and conditions set forth below and other good and valuable consideration, the receipt of which and sufficiency of which is hereby acknowledged, the parties agree as follows:
I. PAYMENT
1. Client agrees to pay Consultant a total of $2997 through a total of 1 payments.
2. Client understands that their initial payment will provide them initial access to the funding suite and business credit and funding advisors.
3. Client agrees to pay payments promptly, and as agreed, based on the payment schedule initially discussed with their Consultant. Any other conversations relating to payment or payment arrangements should be discussed between the Client and Consultant.
4. Client agrees to contact the Consultant immediately with any concerns, or at any time the Client believes they might not be able to make a payment.
5.Client understands that once logged into their funding suite, no refunds of any kind will be issued.
6. In the case client does default on any payments, all access to the funding suite will be terminated. The client will not have access to the funding suite, business credit coaches, funding advisors, and will lose access to the business credit and funding they qualified for.
7. In the case of default by the client, the client will not be permitted to re-purchase the system in the future.
II. SECURING OF CASH FUNDING THROUGH THE FINANCE SUITE
1. Client understands that they are purchasing software for the purpose of helping insure they meet lending credibility standards, helping them build business credit, and gain access to cash funding options. Client understands they might not be able to initially qualify for some, or any of the cash funding programs available through the finance suite.
2. Funding approval is based on factors such as collateral, revenue, financials, personal credit, and business credit quality.
3. Client understands that although their Consultant will ask questions about credit, company income, revenue, and other questions relating to pre-qualification, the Client cannot be fully approved until they go through a formal underwriting process.
4. Clients with lower consumer credit scores, no business credit scores, and no business collateral will not typically qualify initially for funding. Clients with legitimate business collateral and/or good personal or business credit have a better chance of securing initial funding, but still cannot be guaranteed they will be approved for initial funding.
III. ADVISEMENT SERVICES PROVIDED BY THE BUSINESS FINANCE SUITE
1. There are many services provide by the Business Finance Suite business advisors which include:
(i) Performing a corporate compliance and documentation review of Client and Client’s Business. The scope and purpose of the corporate compliance and documentation review is to help prepare the Client to apply for business credit and attempt to maximize the possibility of success in obtaining business credit and for no other legal or business purpose;
(ii) Establishing a Dunn & Bradstreet file and establish a Dunn & Bradstreet rating;
(iii) Building a Dunn & Bradstreet PAYDEX score;
(iv) Establishing a business credit file with Experian’s corporate department;
(v) Obtaining an Experian Intelliscore number;
(vi) Creating a business credit file with Equifax’s business department;
(vii) Providing Client with a non-comprehensive list of trade accounts that may or may not report
to business credit bureaus, including Dunn & Bradstreet, Experian’s corporate department and
Equifax’s business department;
(viii) Creating a Business Credit Asset that can be used for business financing opportunities; or (ix) Obtaining access to a dedicated funding advisor that is provided by Advisor and/or its affiliates and/or assigns for a five (5) year period beginning as of the date of this Agreement between Advisor and Client.
IV. ADVISOR RESPONSIBILITIES
1. Advisor Responsibilities. Advisor agrees that it will handle Client’s business hereunder in a strictly professional and ethical manner, utilizing its best efforts and skill on behalf of Client; Advisor has made no guarantee that client will obtain a particular business credit score or guarantee regarding a specific cash dollar amount of credit a client will obtain. All expressions made by Advisor relative to the matters discussed in this Paragraph previous or following the execution of this Agreement by the Client and Advisor are the Advisor’s sincere opinion only. However, if the Client has not been extended at least $50,000 in TOTAL credit (any combination of vendor credit, trade credit, equipment lease, vehicle lease, loans, lines of credit, credit cards, real estate pre-approvals, etc), Client may elect at any time to receive an additional twelve (12) months of advising from the Advisor.
V. ADDITIONAL COSTS
1. Fees. The Client agrees and understands that all funding obtained for lending sources will have a cost involved. These costs are standard lender fees and might include processing fees, points, APRs, interest rates, discounts, and other standard fees commonly associated with borrowing money. These fees are not charged by the Business Finance Suite team, but the lender themselves. The Business Finance Suite finance officers search to find the best, and most affordable terms each client might qualify for.
2. Client does receive many free items as part of their enrollment with the Business Finance Suite, including access to their Experian Smart Business data, information on obtaining a free DUNS number and credit profile activation from Dun and Bradstreet, and no-cost listing with 411.
2. Client may incur additional costs and spend additional monies on services they elect to receive in the finance suite. These are elective costs for services that might not be required, and include but are not limited to:
(i) Dunn & Bradstreet, Experian, and Equifax full credit monitoring ;
(ii) Trade account set up costs;
(iii) Trade account vendor product purchase costs
(iv) Various state filing costs;
(v) Various business license costs;
(vi) Business phone set up or other phone-related costs;
(vii) Personal and/or business credit report costs;
(viii) Bank fees and costs associated with financing, such as, but not limited to closing costs, application fees, or broker fees.
(ix) Other fees and/or costs that are customary to the general practice of business.
Simplicity Genius System: No Contracts, No Agreements
Our all-in-one sales and marketing platform will give you the tools you need to succeed in today's competitive market. But it's not just about the tools—we'll also teach you different strategies to help ensure that you have success while working with our team. From building a solid customer base to creating effective marketing campaigns, we'll guide you every step of the way.
Our team of experts has years of experience helping new businesses get off the ground, and we're dedicated to helping you succeed. With our Business Starter Program, you'll have everything you need to turn your entrepreneurial dreams into reality. So why wait? Sign up today and start your journey towards business success.
TERMS OF PROGRAM
a) Work directly with Joe Martin and his team, with access to the program and also the building software.
b) 24/7 Access to the Member Event Center for Weekly Training
c) Access To The Mastermind Mentoring Program Based on the level of Entry
If the parties agree to a Renewal Term, the same membership fee rates and payment terms shall apply for that term unless otherwise agreed upon. Client understands and agrees that Membership Fees are non-refundable. More information about this policy is contained in the “Cancellation Policy” section of this Agreement.
Liability Waiver - Live Events
While we take every possible measure to ensure Client safety at the Program’s Live Events, we cannot control everything. For this reason, Client is legally responsible for their safety and behavior and agrees to-‐and is held legally liable to-the following statements:
Client hereby accepts all risk to Client’s health and of Client’s injury or death that may result from participating in the Program and Client hereby releases Provider, its directors, principals, officers, shareholders, employees, interns, contractors, sponsors, agents, successors, assigns, and representatives from any and all liability to Client, Client’s personal representatives, estate, heirs, next of kin, and assigns for any and all claims and causes of action for loss of or damage to Client’s property and for any and all illness or injury to Client’s person including Client’s death, that may result from or occur during my participation at the Program whether caused by negligence of Provider, its directors, principals, officers, shareholders, employees, interns, contractors, sponsors, agents, successors, assigns, and/or representatives, or otherwise.
Client further agrees to indemnify and hold harmless Provider and any third-party company from liability for the injury or death of any person(s) and damage to property that may result from Client’s negligent or intentional act or omission while attending and participating in the Program. Under no circumstances will Provider be held liable for Client’s injury or death or any loss of or damage to Client’s personal belongings resulting from Client’s participation in the Program.
Should Client require emergency medical treatment as a result of accident or illness arising during Client’s attendance and participation in the Program, Client consents to such treatment.
Client acknowledges and agrees to be financially responsible for any medical or legal bills that may be incurred as a result of emergency medical treatment.
Client will promptly notify Provider verbally and in writing if Client is at any time injured prior to, during, or after the Program in Client’s travels or attendance, or if Client has medical conditions about which emergency medical personnel should be informed; however, Client understands that Provider is not legally obligated to act on that information in any way or to provide any medical services whatsoever to Client.
Client agrees that if Client has any medical or psychological conditions that may hamper Client from fully and healthfully participating in the Program that Client will notify Provider and that Provider retains the right to ask that Client not participate in portions of or the entirety of the Program.
In addition to the agreeing to the above liability waiver, Client may be asked to sign a general release and liability waiver at the event and in Client’s participation of the Program, agrees to execute the general release and liability waiver.
Liability Disclaimer - No Professional Advice
The information contained in or made available by Provider or Joe Martin & Associates, LLC., through the Program or their websites or services cannot replace or substitute for the services of trained professionals in any field, including, but not limited to, mental, financial, medical, psychological, or legal fields.
Provider does not offer any professional personal, medical, financial or legal advice and none of the information contained in the Program should be confused as such advice. Neither Provider, nor Joe Martin & Associates, LLC, will be liable for any special or consequential damages that result from Client’s participation in the program.
To be clear: You, Client, alone are responsible and accountable for your decisions, actions and results in life, and by your participation in our Program, you agree not to attempt to hold us, Provider or Joe Martin & Associates, LLC liable for any decisions, actions or results that you make or experience in business or in life due to your participation in this Program at any time, under any circumstance.
No Guarantees
You acknowledge and agree that your success is 100% your responsibility and depends wholeheartedly on your own effort, commitment and dedication. You understand that results are different for each individual, and there are no guarantees. Each individual’s results depend on the individual’s unique background, dedication, desire, motivation, actions, and numerous other factors. Therefore, we cannot predict and we do not guarantee that you will attain a particular result from the Program. Your results are entirely up to you. There are no guarantees as to any specific outcome or results you will gain from either working with us or using any of the information you receive from the Program.
Testimonials
Our website or Program materials present examples of other people’s actual experiences, and these testimonials are for the purposes of illustration only. The testimonials and examples are of actual clients and results they personally achieve, as well as clients whom we have worked with and are speaking on their experiences of working with us, or the quality of our work. In no way are these testimonials intended to represent or guarantee that you will achieve the same or similar results and should not be perceived in that way. The testimonials are for illustrative purposes only and provide examples of what is possible for you, without any guarantees
Confidentiality and Non-Compete
Client hereby understands and agrees that the tools, processes, strategies, materials and information presented in the Program are confidential, copyrighted, and the property of Provider and Client agrees not to record, duplicate, distribute, teach or train from the Program’s concepts or materials in any manner whatsoever without the express prior written permission of Provider.
Any unauthorized use or distribution of Provider’s private, confidential or proprietary concepts, materials, or intellectual property by Client or Client’s representatives is prohibited and subject to legal review and response. Provider will pursue legal action and full damages against Client if these Terms are violated in any way in order to protect its intellectual property rights, trade secrets, and business.
No Solicitation/Poaching
Provider maintains and strictly upholds a no solicitation or poaching policy in the Program. Therefore, there will be no poaching of members consisting of asking members to direct message, requests for private messages or the like permitted. Similarly, there will be no posting of links to blogs, articles, business pages, affiliate offers spam or any other kind of solicitation of fellow program members permitted. Failure to abide with the Program’s No Solicitation or Poaching policy is a material breach of these terms and grounds for removal from the Program.
Audio/Visual Release
By participating in the Program, Client understands that portions of the Program may be recorded in video and audio and/or captured in stills and/or digital photographs or other suitable media. Client agrees that Provider and its assigns have the right and permission to use such recordings and photographs should they include Client’s name, likeness, voice, biographical details, testimonials, or photograph for marketing.
Client understands and agrees that all recordings from Provider’s Event are the exclusive rights of Provider and Client cannot ask for or expect compensation for the use of recordings or photographs in which Client appears or speaks.
Provider exclusively owns all rights of any audio, video, and or/ photographs captured during Provider’s Program or at any of Provider’s other live Events. This includes Provider’s right to create derivative works therefrom. Upon request by Provider, Client shall sign additional documentation that supports Provider’s rights to create derivative works of this intellectual property if necessary.
Purchase and Cancellation Policy
By signing this agreement, either emailing your statement of agreement, entering your credit card information, or otherwise enrolling, electronically, or otherwise, I, Client agree to the non-cancellable terms of the Joe Martin & Associates, LLC Coaching Programs participant agreement. I understand that my initial deposit is non-refundable but may be applied until as a credit against a future coaching program with Joe Martin & Associates, LLC.
I understand if for any reason I am not accepted into the program of my choosing, my deposit will be returned in full. Further, by signing, I agree to the terms above and understand that a full program investment is due by me at the time of my signature and a payment plan is offered to me as a courtesy. All sales are final and no refunds will be granted, you may, however, apply any balance paid as a credit against a future program or event. Payment plans are offered as a courtesy, and can be eliminated at any time by Provider.
You are responsible for making all payments whether you finish the program or not. Should payment processing be unsuccessful on the first attempt, JMA will attempt to process the scheduled payment every day until the payment is successful. Any payment declines not resolved in a 4-day timeframe will incur a $50 collection fee.
Chargebacks And Payment Security
To the extent that Client provides Provider with credit card(s) information for payment on Client’s participation in the Program, Provider shall be authorized to charge Client’s credit card(s) for any unpaid charges on the dates agreed.
If Client uses a multiple-payment plan to make payments to Provider, Provider shall be authorized to make all charges at the time they are due and not require separate authorization in order to do so. Client shall not make any chargebacks to Provider’s account or cancel the credit card that is provided as security without Provider’s prior written consent, and/or without providing Provider an alternative credit card.
In the event of Provider having to defend against a dispute chargeback, Client is responsible for any fees associated with recouping payment on chargebacks and any collection fees associated therewith. Client shall not change any of the credit card information provided to Provider without Provider in advance, and such change or amendment is a direct breach of this Agreement.
Assignments and Transfers
Provider may assign and/or transfer its rights and duties under this Agreement to any third party at any time with twenty-one (21) days prior written notice to Client. The client may not assign any of its rights to any third party under this Agreement.
Notice
Except as specified otherwise in this Agreement, all notices or other communications required or permitted hereunder shall be sufficiently given if delivered in hand to the party addressed, when delivered by express courier or overnight mail, or three (3) days after being sent by certified mail, return receipt requested, postage prepaid, addressed to the parties at the business addresses set forth elsewhere in this agreement.
No Joint Venture, Partnership, Employment, or Agency Relationship
The parties agree that no joint venture, partnership, employment, or agency relationship exists between parties as a result of this Agreement or performance thereof.
Non-Disparagement
During and after the Term of this Agreement, and any renewals thereof, neither party to this Agreement nor anyone acting on their behalf shall make any derogatory or disparaging statements about the other, or its past or present direct or indirect parent companies or its past or present subsidiaries or affiliates, or any of its past or present officers, directors, employees, consultants, agents, representatives, successors or assign, or directly or indirectly take any action which is intended to embarrass any of them. This provision for non disparagement shall survive termination of this Agreement.
Force Majeure
Neither party shall be liable for failure to perform any of its obligations under this Agreement during any period in which such party cannot perform due to fire, earthquake, flood, or other natural disaster, epidemic, pandemics, lockdowns, explosion, casualty, war, terrorism, embargo, riot, civil disturbance, act of public enemy, act of God, or the intervention of any government authority, or similar cause beyond either party’s control, and provided further that the other party may terminate this Agreement if such force majeure condition has continued for a period of thirty (30) consecutive days.
Governing Law and Venue
This Agreement shall be governed and construed in accordance with the laws of the State of Georgia, applicable to agreements made and to be performed in the State of Georgia. Subject to any alternative dispute resolution provisions of this Agreement venue shall be any court of competent jurisdiction in the County of Fulton, State of Georgia. Client waives any argument of improper Venue or Inconvenient Forum (Forum Non-‐Convenient) with respect to the geographic location for the resolution of any and all legal disputes.
Alternative Dispute Resolution
The parties agree that any legal action or proceeding between them for any purpose concerning this Agreement or the parties' obligations hereunder, excluding equitable relief for intellectual property infringement and breach of non-compete claims, will first attempt to be resolved with the help of a mutually agreed-‐upon online mediator. Any costs and fees (other than attorney fees) associated with the mediation will be shared equally by each of the parties.
If it proves impractical to arrive at a mutually satisfactory solution through online mediation, the parties agree to submit the dispute to expedited, confidential binding arbitration before a single arbitrator under the Commercial Rules of the American Arbitration Association, which Rules are deemed to be incorporated by reference into this clause.
The place of arbitration shall be in Atlanta, GA, USA. The language to be used in the arbitral proceedings shall be English. The parties also agree that each party will be responsible for one-half of the arbitration fees and costs incurred, and their respective lawyer’s fees. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.
In no case shall either party have the right to go to court or have a jury trial. The parties will not have the right to engage in pre-trial discovery except as provided in the rules. They will not have the right to participate as a representative or member of any class of claimants pertaining to any claim subject to arbitration, and the arbitrator’s decision will be final and binding with limited rights of appeal.
Limitations on Remedies
If the foregoing limitations are held to be unenforceable, the provider’s liability to the client for damages for claims arising under and/or relating to this agreement, shall not cumulatively exceed the aggregate sum paid by the client to the provider under this agreement.
Waiver or Modification by Conduct
A party’s failure to insist upon or enforce strict performance of any term or provision of this Agreement shall not be construed as a waiver of any term, provision, or right. Neither the course of conduct between the parties nor trade practice shall act to modify any provision of this Agreement.
Entire Agreement
This Agreement contains the entire understanding between the parties with respect to its subject matter, and supersedes any and all prior or contemporaneous proposals, communications, agreements, negotiations, and representations, whether written or oral, related thereto.
Headings
Use of headings in this Agreement is for convenience only and does not identify legal boundaries or terms explicitly.
Construction
No provision of this Agreement will be construed against either party as the drafter thereof. If any part of this Agreement is declared void, this Agreement shall, to the maximum practicable extent, be construed without reference to that part. No term or provision of the Agreement shall be waived unless in writing and signed by the party waiving the term or provision, and any waiver shall apply only to the specific event or situation which it describes and shall not be continuing.
Counterparts
This Agreement may be signed in counterparts which, together, shall constitute one and the same agreement. Delivery of an executed counterpart of a signature page to this Agreement by facsimile shall be effective as delivery of a manually executed counterpart to Agreement.
IN WITNESS WHEREOF, and with intent to be legally bound hereby, the parties have caused this Agreement to be signed by their respective duly authorized representatives all on the date first above written.
BY SIGNING BELOW, CLIENT ACKNOWLEDGES THAT CLIENT UNDERSTANDS AND AGREES TO ALL OF THE AFOREMENTIONED TERMS, INCLUDING BUT NOT LIMIITED THOSE RELATED TO PROGRAM FEES, STRICT NO REFUND POLICY, DISCLAIMERS, WAIVERS. INTELLECTUAL PROPERTY, AND CONFIDENTIALITY.
Please acknowledge your receipt of this notice by electronically signing the form indicated below.
Electronic Signature *
I, The Client/Student, hereby acknowledge the receipt of the agreement between myself and Joe Martin & Associates. I have read and understand the terms of this agreement, and I acknowledge that I have received a copy of my Consumer Credit File Rights.
* In 2000, the U.S. Electronic Signatures in Global and National Commerce (ESIGN) Act established electronic records and signatures as legally binding, having the same legal effects as traditional paper documents and handwritten signatures. Read more at the FTC web site: http://www.ftc.gov/os/2001/06/esign7.htm
