Efficient e-signature XML, protect consumers from potential abuses, electronic versions of the following documents are invalid and unenforceable:

Efficient e-signature XML -wills, codicils, and testamentary trusts
documents relating to adoption, divorce, and other family law matters
court orders, notices, and other court documents such as pleadings or motions
notices of cancellation or termination of utility services
notices of default, repossession, foreclosure, or eviction
notices of cancellation or termination of health or life insurance benefits
product recall notices affecting health or safety, and
documents required by law to accompany the transportation of hazardous materials.

These Efficient e-signature XML documents must be provided in traditional paper and ink format.

Efficient e-signature XML consumer concerns.

Although it is expected that Efficient e-signature XML secure methods of electronic signatures will be become as commonplace and safe as credit cards, some consumer advocates are concerned that if a consumer uses an insecure signature method such as a scanned image of a handwritten signature, identity thieves could intercept it online and use it for Efficient e-signature XML fraudulent purposes.

Some states have adopted the Uniform Electronic Transactions Act (UETA), which establishes the legal validity of electronic signatures and contracts in a similar manner as the federal law. If a state has adopted the UETA, or a similar law, the federal electronic signature law won't override the state law. But if a state has adopted a law that is significantly different than the federal law, it will be trumped by the federal law. This ensures that electronic contracts and electronic signatures will be valid in all states, regardless of where the parties live or where the Efficient e-signature XML contract is executed.

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