Electronic Signatures and Records

Setting up a payments, equipment or funding arrangement involves documents: an application, disclosures that go with it, and one or more agreements. This page explains what happens when those are sent to you electronically and signed electronically instead of on paper.

This page is the disclosure. It is not the consent. Nothing is agreed by reading it, and there is nothing to accept on it. Where your agreement to receive and sign records electronically is needed, it is asked for at the point the document is presented to you — so that what you are consenting to is in front of you at the time.

Where you agree to it, doing business electronically can cover:

• the application and anything submitted with it;
• disclosures and notices that would otherwise be given to you on paper;
• the agreements themselves, and any amendment to them;
• records of what was signed, and when.

The specific document tells you what its own consent covers — a single document, or a category of records over the life of an arrangement. Read that, rather than assuming it matches this page: where a document says something different about its own scope, the document governs.

Some documents in a payments arrangement come from another party — a bank, a processor, an equipment supplier or a funder. Those carry their own disclosures and their own consent, and this page does not speak for them.

To receive, read and retain electronic records you will generally need:

• a device with access to the internet;
• a current version of a common web browser;
• an email account you can receive mail at, and software able to open what is sent to it;
• the ability to view and read documents in PDF;
• a way to keep what you are sent — enough storage to save a copy, or a printer.

If what you need in order to access or keep records changes in a way that could stop you doing either, you should be told, and you should be able to withdraw your consent at that point without being charged for doing so.

Keep a copy of anything you sign. An electronically signed document is generally made available for you to download or print at the time you sign it, and a copy is retained on the account — but the copy you keep yourself is the one you can always reach.

You can ask us for a paper copy of a document we sent you. Highline Payments does not charge you for that, and does not charge you for withdrawing consent. A document that came from another party in the arrangement is subject to that party's own disclosure, which comes with the document.

Electronic delivery works by sending things to the address on the account. That makes the address part of the arrangement rather than a contact detail: if it stops working, or you stop reading it, documents that were properly sent will not have reached you.

Tell us when it changes. If you were told to expect something to sign and nothing has arrived, check the address on the account before assuming it was not sent, and then get in touch.

You can withdraw your consent to do business electronically. Ask us, from the address on the account, and say what you want withdrawn — a specific document, or electronic delivery generally.

Two things are worth knowing before you do:

• It is not retrospective. Withdrawing consent does not undo an agreement you have already signed or affect the validity of records already delivered. Those remain what they are.
• It changes how things move afterwards. Handling documents on paper is slower, and some steps in an arrangement may not be able to proceed electronically once consent is withdrawn. Where a specific agreement sets out what follows, that agreement governs.

Nothing on this page makes consent permanent, and no fee is charged for withdrawing it.

An electronic signature is a signature. Under federal and state law a signature, contract or record is generally not denied legal effect solely because it is electronic, and a document you sign electronically commits you in the same way a document you sign with a pen does.

That is the reason for the paragraph below, and the reason it is on this page rather than in a brochure: signing electronically is fast, and speed is exactly when documents get signed unread.

Three things are worth checking every time, on any agreement from anybody:

• Who the agreement is with. A payments arrangement usually involves more than one party, and the document says which.
• The commercial terms, in the document. Not as described in a conversation. If a term you were told about is not written down, ask why before signing rather than after.
• The term and how it ends. How long it runs for, what happens at the end of it, and what is involved in leaving.

Nothing on this website is an offer, and no page here commits you to anything. A signed agreement does.

When something is ready to sign it is sent to the email address on the account, rather than left somewhere to be found. That is deliberate: a document you were sent is a document you can trace, and a signing page you navigated to yourself is one you cannot.

There is nothing to log into from this page. If a message asks you to sign something and you were not expecting it, do not follow the link — get in touch and confirm it first.

This disclosure changes when the way documents are handled changes. The date at the top of the page is the date the wording was last amended, and the current version is always the one published here. Where a document you have already signed set out its own terms, those are not changed by an amendment to this page.