Questions
Short answers to what credit managers ask first.
Is a drawn signature on a phone legally binding?
In the US, the E-SIGN Act and UETA treat electronic signatures like ink when the signer intends to sign and the record is kept. Before signing, the applicant agrees to sign electronically. Valtis Desk records the signature with the time, IP address and device, keeps the exact terms they agreed to, seals the application with a hash, and emails the signer their own copy. For high-value guarantees, have your attorney review your terms text. More in Electronic signatures.
What if a reference never answers?
You see which references are still out on the file and on References, and you can resend the request with one click. You can also decide without all three. The file shows what was and was not answered.
Do vendors need an account to answer?
No. They get an email in your name with a private link. It opens a single page, takes about twenty seconds, and locks once it is submitted.
Do applicants need an account?
No. They open your link, fill in four steps and sign.
Can I use my own terms?
Yes. Add your own terms in Desk settings and they appear right above the signature box. If you leave it blank, applicants see a plain credit authorization. On Pro, applicants can also sign an optional personal guarantee, which uses standard guarantee wording.
Can I change my apply link?
Yes, in Desk settings. Links you already sent or printed stop working when you do.
What happens after the trial?
Pick Starter or Pro and enter a card. If you do nothing, your apply link pauses and your desk locks until you pick a plan. Nothing is deleted.
What happens if I reach 40 applications on Starter?
Your apply link pauses until the next billing period, or until you move to Pro. See Plans and billing.
Can I cancel any time?
Yes. Your plan runs to the end of the period you paid for.