HankoSign Terms of Service

Effective date: August 1, 2026

Version: 1.0

These Terms of Service ("Terms") are a binding agreement between HankoSign LLC, a Florida Limited Liability Company ("HankoSign," "we," "us"), and the person or organization that creates an account or uses the Services ("you," "Customer"). By creating an account, clicking to accept, or using the Services, you agree to these Terms. If you accept on behalf of an organization, you represent that you have authority to bind it.

1. The Services

HankoSign is a cloud-based electronic signature platform that lets Customers upload documents, place signature and data fields, send documents to designated recipients ("Signers") for electronic signature, track signing activity through an audit trail, and receive digitally signed final documents together with a Certificate of Completion — and, where included in your plan, access these capabilities programmatically through our application programming interface (API) and event webhooks (collectively, the "Services"). References to the "Services" in these Terms, including the disclaimers and the limitation of liability, include the API and webhooks.

HankoSign is a platform, not a party. We are not a party to, and do not review, endorse, or assume any responsibility for, the content, validity, or enforceability of any document signed through the Services. We do not provide legal advice. Whether a particular document, transaction, or signature satisfies the legal requirements applicable to you is your responsibility, and you should consult your own counsel.

2. Electronic signatures; legal framework

The Services are designed to support electronic signatures that are legally valid and enforceable under the United States federal Electronic Signatures in Global and National Commerce Act ("ESIGN Act") and the Uniform Electronic Transactions Act ("UETA") as adopted in 49 states and the District of Columbia (New York recognizes electronic signatures under its Electronic Signatures and Records Act). To that end, the Services provide capabilities including signer authentication via unique signing links, capture of signer intent and consent, tamper-evident digital sealing of completed documents using PKI-based digital signatures with trusted timestamps, and a detailed audit trail.

Excluded documents. Certain records are excluded from, or subject to additional requirements under, electronic signature laws — for example, wills, codicils, and testamentary trusts; documents relating to adoption, divorce, or other family law matters; court orders and official court documents; and certain consumer notices (such as notices of default, foreclosure, eviction, utility disconnection, insurance cancellation, or product recalls). Some states impose additional exclusions. You are solely responsible for ensuring that each document you send through the Services is eligible for electronic execution under the law applicable to your transaction, and for complying with any consumer-consent, disclosure, or delivery requirements that apply to it.

Consumer transactions. Where you indicate that a transaction involves a consumer, the Services present consumer disclosure and consent language consistent with the ESIGN Act. Marking transactions correctly, and determining whether additional disclosures are required for your specific use case, remains your responsibility.

3. Accounts and users

You must be at least 18 years old and able to form a binding contract to use the Services. You are responsible for the accuracy of your registration information, for maintaining the confidentiality of credentials, and for all activity under your account. Individual-plan accounts are for a single named person; the login and signing identity are personal to that person and may not be shared with or used by anyone else. Organization (company) plans may include multiple users up to the plan's seat limit, administered by the Customer's administrators; the Customer is responsible for its users' compliance with these Terms, for managing their access, and for promptly deactivating users who should no longer have access. Notify us immediately at support@hankosign.com of any suspected unauthorized use.

You may register or sign in using third-party identity providers (such as Google or Microsoft). Your use of those providers is governed by their terms, and you authorize us to receive your basic profile information (such as name and verified email) from them for authentication.

Administrative access. Authorized HankoSign personnel may access your account to provide support, troubleshoot, and operate the Services. Access to our administrative console requires multi-factor authentication. When our personnel view your account as one of your users, that access is strictly read-only: they cannot modify your documents, or send, void, or otherwise act on signature requests, and each such session is logged and attributed to the individual staff member. Account-administration actions — such as changing your plan or account status, managing users, or issuing a temporary password — are taken through our administrative console and are likewise logged and attributed. Account-administration actions that affect your plan may result in prorated charges or credits to your payment method, as described in Section 5. Our personnel do not alter the content of your documents, and this access does not change your responsibility for that content.

4. Signers

Signers interact with the Services through unique, tokenized links in order to review, consent to, sign, or decline documents sent by a Customer. By using such a link, a Signer agrees to conduct the applicable transaction electronically and to these Terms as they apply to Signer use of the Services. Signers may decline to sign, or withdraw consent to transact electronically, using the mechanisms provided in the signing interface. Signing links are confidential; Signers must not share them. The Customer — not HankoSign — is responsible for the decision to send a document to a given Signer and for the content of that document.

In-person signing. A Customer may have a Signer complete signing in person on the Customer's own device (for example, on a tablet at a counter) rather than through an emailed link. The same intent and consent capture and the same audit-trail recording apply to in-person signing as to remote signing. Because in-person signing runs on the Customer's device and under the Customer's account, the Customer is responsible for verifying the identity of the in-person Signer and for ensuring that the Signer personally reviews the consent and disclosure language and personally performs the signing actions. The consent and disclosure flow is presented to the Signer directly in the signing interface — the same as for remote signing, and including for consumer transactions.

5. Plans, trials, billing, and lifecycle

Plans. The Services are offered under the plans described at our pricing page, which sets out included features, user limits, and usage limits. We may update plan features and pricing prospectively; price changes to a paid subscription take effect at the next renewal after reasonable notice.

Fair use. Plans described as offering unlimited envelopes are intended for normal business use and are subject to fair use. We may review, rate-limit, or contact you about usage patterns that are inconsistent with ordinary business operations or that indicate abuse (for example, bulk unsolicited or automated sending, which is prohibited by Section 7).

Billing. Paid subscriptions are billed in advance on a monthly or annual basis through our payment processor, Stripe. You authorize recurring charges to your payment method until you cancel. Fees are exclusive of taxes; you are responsible for applicable taxes other than taxes on our income. Except where required by law, fees are non-refundable, including for partial billing periods, downgrades, or unused capacity.

Plan changes. You may change your plan from the billing page where available. Upgrades take effect immediately: the prorated difference for the remainder of the current billing period is charged to your payment method at the time of the change, and the exact amount is shown to you before you confirm. Downgrades take effect at the end of the current billing period; you keep your current plan's features until then, but the target plan's limits on adding users and creating new templates apply from the time the downgrade is scheduled. You may cancel a scheduled downgrade at any time before it takes effect, and we may cancel a scheduled change as part of account administration (see Section 3). Any plan change initiated by us that would charge your payment method — including conversion to a company account — takes effect only after an administrator on your account reviews and accepts it while signed in; until it is accepted, nothing changes and nothing is charged. Changing plans does not start a new trial.

Free trials. We may offer a one-time free trial of a paid plan, of the length stated at signup. No payment method is required to start a trial, and we do not charge you when it ends. If you do not subscribe before the trial ends, your account converts automatically: a company account enters the read-only grace period described below, and an individual account moves to the Free plan. Billing begins only if and when you choose to subscribe. Each Customer is eligible for at most one self-service trial.

Grace period; suspension. A read-only grace period applies to a company account when its free trial ends without a subscription, and when a renewal payment fails or a paid subscription lapses. The grace period lasts thirty (30) days. During it you remain signed in and can view and download your existing documents and take limited account actions, but cannot create or send new envelopes or add or manage users. An account administrator may end the grace period and restore full access at any time by subscribing from the billing page. If you have not subscribed by the end of the grace period, we may suspend the account, making it inaccessible. Once an account is suspended, access is restored by contacting us at support@hankosign.com to reactivate it; re-subscribing alone does not lift a suspension. We may also suspend or restrict accounts for material breach of these Terms, suspected fraud or abuse, security risk, or legal compliance. Where practicable, we will notify you and provide an opportunity to cure before or promptly after suspension. An individual account moves to the Free plan at the end of a trial or lapse rather than entering a grace period.

Deactivation. We may also deactivate an account — a reversible closure that blocks access while retaining all account data — at your request, as part of offboarding, or in circumstances where we would otherwise be entitled to suspend. A deactivated account remains inaccessible until it is reactivated by us, and its Customer Content is retained and deleted only as described in Section 8.

Your content is not deleted by a downgrade, suspension, or deactivation. Moving to the Free plan, entering the grace period, being suspended, or being deactivated does not, by itself, delete your Customer Content — your documents, completed records, Certificates of Completion, and audit trails are retained, remain available to you during the grace period, and become available again once any suspension is lifted. Content is deleted only as described in Section 8, which governs retention and includes the scheduled deletion of collected signer attachments.

Cancellation. You may cancel at any time through the billing page; cancellation takes effect at the end of the current billing period, after which the account converts to the free tier or a read-only state per your plan type.

6. Your content

Ownership. You retain all rights in the documents, data, and other materials you or your Signers submit to the Services ("Customer Content"). We claim no ownership of Customer Content.

License to operate. You grant us a limited, non-exclusive, worldwide license to host, store, process, transmit, display, and reproduce Customer Content solely as necessary to provide, secure, and support the Services, comply with law, and as otherwise instructed by you. This includes generating completed signed documents, Certificates of Completion, and audit trails.

Responsibility. You represent that you have all rights necessary to submit Customer Content and to request signatures from your Signers, and that Customer Content and your use of the Services will not violate law or third-party rights.

7. Acceptable use

You will not, and will not permit anyone to: (a) use the Services for unlawful, deceptive, or fraudulent purposes, including forging signatures, misrepresenting identity, or creating documents intended to deceive; (b) send documents that are defamatory, infringing, or contain malware; (c) attempt to probe, scan, breach, or test the vulnerability of the Services or circumvent authentication or access controls, including using another person's signing link; (d) interfere with the Services' operation or impose unreasonable load; (e) reverse engineer, copy, resell, or provide the Services to third parties as a service bureau except as expressly permitted; (f) use the Services to send unsolicited bulk messages; or (g) remove or alter any digital signature, seal, or audit information applied by the Services. We may investigate violations and remove content or suspend accounts as reasonably necessary.

8. Completed documents, retention, and export

Completed documents are digitally sealed at finalization; any subsequent alteration will invalidate the digital seal by design. Completed documents, Certificates of Completion, and audit trails are retained in your account so long as it remains in good standing, and are stored on infrastructure configured for durability and integrity. Because each completed document is digitally sealed at finalization, any alteration to a signed final is detectable. You are responsible for maintaining your own copies of completed documents; the Services permit download at any time while your account is active. Supporting files that signers upload after signing (companion documents, such as a copy of an identification card) are not part of the signed record and are automatically and permanently deleted ninety (90) days after the envelope is completed (or ninety (90) days after upload if the envelope is never completed); download any such files beforehand if you need to retain them. For thirty (30) days after account closure, we will, upon request to support@hankosign.com, provide your Customer Content for export in a commonly used, machine-readable format, after which we may delete it — except for content already deleted under the retention schedules described in this Section (such as supporting files removed ninety (90) days after completion), and except where longer retention is required by law.

9. Our intellectual property

The Services, including all software, interfaces, designs, trademarks (including "HankoSign" and the seal logo), and documentation, are owned by us or our licensors. We grant you a limited, non-exclusive, non-transferable right to use the Services during the term in accordance with these Terms. Feedback you provide may be used by us without restriction or obligation.

10. Third-party services

The Services interoperate with third-party services, including payment processing by Stripe, cloud infrastructure provided by Amazon Web Services, and optional sign-in via Google and Microsoft. We are not responsible for third-party services, and your use of them may be subject to their own terms.

Payments collected from signers (optional). If you enable payments, HankoSign presents payment links on your behalf and is not a party to any payment; we do not hold funds and do not verify settlement. Payments are collected on your own connected payment-processor account and are subject to that processor's terms. The payment indicator we show reports only that a payment was processed through your connected processor, or was recorded by you as collected outside the Services; it does not reflect refunds, disputes, or current settlement, for which your processor account is the authoritative record. Refunds, disputes, and chargebacks are solely between you and the paying signer. Payment is never a condition of signing or of a document's completion.

11. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTY THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT ANY PARTICULAR DOCUMENT OR SIGNATURE WILL BE VALID, ADMISSIBLE, OR ENFORCEABLE IN ANY PARTICULAR JURISDICTION OR TRANSACTION, WHICH DEPENDS ON FACTORS OUTSIDE OUR CONTROL, INCLUDING THE NATURE OF THE DOCUMENT AND YOUR COMPLIANCE WITH APPLICABLE LAW. FREE PLANS AND TRIAL USE ARE PROVIDED WITHOUT ANY SERVICE COMMITMENT.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (A) NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR GOODWILL, EVEN IF ADVISED OF THE POSSIBILITY; AND (B) OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (i) THE AMOUNTS YOU PAID US FOR THE SERVICES IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY AND (ii) ONE HUNDRED U.S. DOLLARS (US $100). THESE LIMITS DO NOT APPLY TO YOUR PAYMENT OBLIGATIONS, YOUR BREACH OF SECTION 7, OR EITHER PARTY'S LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

13. Indemnification

You will defend, indemnify, and hold harmless HankoSign and its officers, employees, and agents from and against claims, damages, and expenses (including reasonable attorneys' fees) arising from: (a) Customer Content; (b) your or your users' use of the Services in violation of these Terms or applicable law; or (c) any dispute between you and a Signer or other third party relating to a document processed through the Services.

14. Term; termination

These Terms apply from your first use of the Services until your account is closed. You may close your account at any time. We may terminate these Terms or your account for material breach not cured within fifteen (15) days of notice, immediately for violations of Section 7 or legal necessity, or upon discontinuation of the Services with reasonable advance notice. Sections that by their nature should survive (including 2, 6 (license during wind-down), 8, 9, 11–13, 15, and 16) survive termination.

15. Governing law; disputes

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-laws rules, and, where applicable, U.S. federal law (including the ESIGN Act). The parties will first attempt in good faith to resolve any dispute informally by contacting support@hankosign.com. Subject to that, the state and federal courts located in Duval County, Florida will have exclusive jurisdiction, and each party consents to venue there. EACH PARTY WAIVES ITS RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION TO THE EXTENT PERMITTED BY LAW. Nothing in this section prevents either party from seeking injunctive relief in any court of competent jurisdiction.

16. General

Changes to these Terms. We may update these Terms from time to time. Material changes will be notified via the Services or email at least fourteen (14) days before taking effect (except changes required by law, which may take effect sooner). Continued use after the effective date constitutes acceptance; if you do not agree, stop using the Services before the changes take effect.

Notices to us must be sent to support@hankosign.com or Jacksonville, FL 32246; notices to you may be given via the Services or the email on your account. Assignment: you may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. Force majeure: neither party is liable for delay or failure caused by events beyond its reasonable control. Entire agreement; severability; waiver: these Terms (with the Privacy Policy and any order or plan terms) are the entire agreement regarding the Services; if any provision is unenforceable, the remainder stays in effect; failure to enforce a provision is not a waiver. Export/eligibility: the Services are offered from the United States and directed to U.S. users; you are responsible for compliance with local laws if you access them from elsewhere.

17. API access, keys, and webhooks

If your plan includes API access, we may issue you one or more API keys. API keys are confidential credentials that authenticate requests as your account. You are responsible for keeping them secret, for all activity performed with them, and for promptly rotating or revoking any key you believe has been exposed. You must not share keys or embed them where third parties can extract them.

API access is subject to these Terms and to reasonable rate limits and other technical restrictions we publish. We may throttle, suspend, or revoke keys, and limit or suspend API access, to protect the security, integrity, or availability of the Services, or in response to abuse, excessive use, or violation of Section 7 (Acceptable use). API access requires an account in good standing: it is unavailable while an account is in the grace period or suspended, and resumes when the account is reactivated.

Versioning. We version the API (currently v1) and make additive changes within a version wherever possible. If we must introduce a backwards-incompatible change to a stable API version, we will give reasonable advance notice through our developer documentation or your account contact before it takes effect.

Webhooks. You may configure the Services to deliver envelope event data — such as status changes and completed field values — to HTTPS endpoints you specify. You are responsible for the security and availability of those endpoints and for the handling of data once it is delivered to your systems. We sign webhook deliveries so you can verify their authenticity, but delivery is best-effort and not guaranteed. We are not responsible for events that fail to reach an endpoint, or that are exposed at one, because of your configuration — for example, an incorrect or unavailable URL, an insecure endpoint, or a failure to verify our delivery signatures. If deliveries to an endpoint fail repeatedly, we may automatically disable that endpoint until you re-enable it.

Your use of the API and webhooks is part of the Services and remains subject to all other provisions of these Terms, including the acceptable use, disclaimer, and limitation of liability sections.

18. Contact

HankoSign LLC

Jacksonville, FL 32246

support@hankosign.com · https://hankosign.com

Customer service: (904) 450-5777