Signature Verification

Credit Pulse captures a Simple Electronic Signature as part of the digital credit application flow. The signature is stored with the submitted application record and can include timestamps, submission details, uploaded documents, and other application data.

To strengthen the signing process, Credit Pulse can also support:

• Routing the application to a specific signer

• Email verification for applicants and routed signers

• Required authorization checkboxes

• Consent language confirming the signer is authorized to submit and sign

• Supporting document uploads, such as a driver’s license or business documentation

• Timestamps tied to the signed application record

These controls help reduce the risk of someone signing as another person by creating a stronger signer-controlled workflow and a clearer audit trail.

For clarity, this is not the same as a notarized signature, government ID-verified signature, certificate-based digital signature, or third-party identity-verified signing process. Those options provide a higher level of identity assurance and would require additional workflow scoping or a third-party provider.

For most B2B credit applications, the recommended approach is to strengthen the workflow around the existing electronic signature: route to the authorized signer, require email verification, capture explicit authorization, collect supporting documents where needed, and store a timestamped record of the signed application.

Credit Pulse supports electronic signature capture today, along with meaningful controls to reduce impersonation risk and create a stronger audit trail. If a higher-assurance signature process is required, we can scope an added verification workflow or third-party integration.

Overall, considering the additional components for verification included on our credit application process as a whole, our signature is modeled most closely to a verified electronic signature.