Terms of Service

Eligibility

You must be at least 18 years old to use the Site or the Services. By using the Site or Services, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms.

Our services

The Company provides medallion signature guarantee services for securities transfers, governed by the Uniform Commercial Code (UCC) Article 8. As an authorized participant in the applicable medallion signature guarantee program, we verify the identity of individuals requesting securities transfers and provide medallion stamp guarantees when our review criteria are satisfied.

Notwithstanding anything contained herein, the final determination with respect to the provision of any medallion stamp guarantee shall be made in the sole and absolute discretion of the Company.

THE COMPANY DOES NOT PROVIDE INVESTMENT ADVICE, TAX ADVICE, LEGAL SERVICES, OR LEGAL COUNSEL REGARDING YOUR SECURITIES TRANSFER. WE ARE NOT A BROKER-DEALER. WE PROVIDE A TRANSACTION PROCESSING SERVICE ONLY.

Restricted transactions

eSignature Guarantee does not provide medallion signature guarantees for the following:

• Transactions where the identity of the signer cannot be verified through our identity verification process;
• Transactions involving securities subject to active legal proceedings, liens, or regulatory holds;
• Transactions where the transfer agent has issued a stop transfer order;
• Transactions involving penny stocks or securities not registered with a recognized transfer agent;
• Transactions where the customer is not the registered owner and does not have documented legal authority to act (e.g., valid letters testamentary, trust certificates, or corporate resolutions).

If a transaction is declined, the customer receives a full refund minus the processing fee if document review had already begun.

Transaction value limits

The standard medallion signature guarantee covers securities transfers with a total market value of up to five hundred thousand dollars ($500,000) per transaction. For transfers exceeding $500,000, customers must contact eSignature Guarantee prior to payment to arrange appropriate coverage. The transaction value limit is determined by the market value of the securities at the time of the medallion guarantee application.

Processing times

Standard processing: documents reviewed within five (5) business days of complete submission. Expedited processing: documents reviewed within two (2) business days (48 hours) of complete submission. Rush processing: documents reviewed same business day if submitted before 12:00 PM Eastern Time. Processing times begin when all required documents have been received and verified as complete. If additional documents are needed, the processing clock pauses until the customer provides them. These timelines are targets, not guarantees — complex transactions (estates, trusts, corporate entities) may require additional review time.

Fees, payment, and refunds

The Services are provided based on the fees displayed at the time of checkout. Service tier pricing (Standard, Expedited, and Rush) may vary. Payment is processed by our third-party payment processor, Stripe. By providing payment information, you authorize us to charge the applicable fees.

Transaction validity

A transaction remains open for six (6) calendar months from the date of payment. During this period, you may upload documents, communicate with your assigned case manager, and complete all steps required for the medallion signature guarantee to be applied. If all required documents have not been submitted and the transaction has not been completed within six months of payment, we will close the transaction and refund the amount paid, less any non-refundable processing fee that has been earned under the section "Non-refundable processing fee" below. You will receive written notice at least thirty (30) days before closure, with instructions on how to extend the transaction if you still wish to proceed. Refunds will be issued to the original payment method. If we are unable to issue a refund (for example, because your payment method has expired or your contact information is no longer valid), we will hold the funds and report and remit them in accordance with applicable state unclaimed property law. You may initiate a new transaction at any time after closure by paying the applicable fee.

Transactions opened before the effective date of this policy

Transactions paid for before the effective date of these Terms are not subject to the six-month validity window or the non-refundable processing fee described above. We will continue to honor those transactions while we work with you to complete them, and a member of our team will reach out periodically to check on your progress and offer assistance. If you wish to close a pre-existing transaction and request a refund, you may do so at any time by contacting us, and you will receive a full refund of the amount paid. We reserve the right to apply the six-month validity window and the non-refundable processing fee to a pre-existing transaction only after providing you with at least sixty (60) days' written notice and an opportunity to complete or close the transaction on the terms above.

Non-refundable processing fee

A non-refundable processing fee of fifty dollars ($50.00) is retained from the transaction fee once document review has begun. Document review is considered to have begun when a case manager has claimed your transaction in our review system. This action is recorded in our system with a timestamp and is the operative event that triggers the processing fee. The fee covers the cost of identity verification, document intake, and initial compliance review. The processing fee applies regardless of the transaction outcome where review has begun, including transactions that are denied or returned for additional information. If your transaction is closed at the end of the six-month validity window and a case manager has not yet claimed it, no processing fee applies and the full amount paid will be refunded. The processing fee applies equally to all processing tiers.

Refund policy

Refunds are available under the following conditions:

• Full refund: If cancellation is requested within twenty-four (24) hours of payment and before a case manager has claimed your transaction.
• Partial refund: If cancellation is requested after a case manager has claimed your transaction but before the medallion stamp has been applied, the transaction fee minus the $50 non-refundable processing fee will be returned.
• No refund after stamping: No refund is available after the medallion stamp has been applied to your documents.
• Company-initiated refund: If eSignature Guarantee is unable to complete the medallion guarantee for any reason within our control, a full refund will be issued.
• Expired transactions: If the six-month validity window passes without completion, the transaction is closed and you will receive a refund of the amount paid, less the $50 non-refundable processing fee if a case manager has claimed your transaction. If no case manager has claimed your transaction, you will receive a full refund. See "Transaction validity" above.

Refunds, where applicable, are processed to the original payment method within 5-10 business days.

User information and accuracy

In order to use the Services, you are required to provide your legal name, date of birth, Social Security number, contact information, physical address, applicable securities information (including stock symbols, share quantities, and certificate details), and payment information.

You represent and warrant that all information you submit is truthful, accurate, and complete. Providing false or misleading information in connection with a securities transfer may constitute fraud under applicable federal and state law.

Identity verification

All customers must complete identity verification before their transaction can be processed. Identity verification is performed through our third-party provider and requires a valid, unexpired government-issued photo ID (driver's license or passport). The verification process includes biometric comparison (matching your face to your ID photo). By using the Services, you consent to this identity verification process.

Identity verification must be completed by the person whose name appears on the securities account — not by a family member, attorney, or other representative. eSignature Guarantee does not accept transactions executed under a power of attorney, regardless of documentation provided, due to the heightened fraud risk associated with POA-based securities transfers. For account holders unable to complete a transaction themselves, court-appointed conservatorship or guardianship is required. Identity verification results are valid for the duration of your account. A single verification covers all transactions.

After identity verification, your legal name on file is locked for security purposes. If you need to update your legal name (e.g., due to a legal name change), please contact our support team for assistance.

Document submission and AI-assisted review

You may be required to upload supporting documents as part of your transaction, including but not limited to stock certificates, stock powers, transfer authorization forms, identification documents, and other materials as specified by our case management team.

AI-Assisted Processing: Documents submitted to our platform are processed using artificial intelligence technologies to assist our human review team. AI is used for:

• Classifying and categorizing submitted documents;
• Extracting structured data from documents (e.g., names, account numbers, share quantities); and
• Flagging potential issues for human reviewer attention.

All final approval and denial decisions are made by qualified human compliance staff. AI assists the review process but does not make transaction decisions. By submitting documents through our platform, you consent to this AI-assisted processing.

Document handling and shipping

Customers should submit documents electronically whenever possible, either by uploading through the portal or by emailing to the address provided in your transaction. Physical mail should be used only for original stock certificates, documents with required wet-ink signatures, or other materials that cannot be digitized.

If you send physical copies of documents that could have been submitted electronically (such as photocopies of IDs, printed account statements, or printed transfer forms), eSignature Guarantee will process the documents but you are responsible for return shipping costs.

eSignature Guarantee is not responsible for documents lost in transit. Customers sending original certificates should use insured, trackable shipping. Upon completion of your transaction, stamped documents will be returned to you via the shipping method selected.

Communications and status updates

By using the Services, you understand and agree that we and our case management team may communicate with you regarding the services being provided via email, SMS, and messages within the customer portal. You may receive transactional notifications about the status of your account and transaction. You may opt out of marketing communications but cannot opt out of transactional communications related to active transactions.

Transaction status updates are provided through the customer portal and automated email notifications at each major stage of the process (payment confirmed, case manager assigned, documents reviewed, compliance review, approval, and shipping). You may communicate with your assigned case manager through the portal messaging system or by replying to any notification email. Due to the volume of transactions processed, we are unable to provide on-demand status updates via phone. Phone support is available for technical issues, account problems, and questions about document requirements. Our team attempts to respond to portal messages and emails within two (2) business days, though response times may vary during periods of high volume.

User conduct

You agree to use the Site and Services only for lawful purposes and in accordance with these Terms. When you use the Site or Services, you may not:

• Violate any applicable law or regulation;
• Provide false, misleading, or fraudulent information;
• Impersonate any person or entity or misrepresent your identity or affiliation;
• Attempt to gain unauthorized access to the Site, Services, or other users' accounts;
• Use any means to scrape, crawl, or collect data from the Site;
• Transmit any viruses, malware, or other harmful code;
• Interfere with the proper functioning of the Site or Services; or
• Attempt to decompile, reverse engineer, or disassemble any software used to provide the Services.

Intellectual property

eSignatureGuarantee, the eSignatureGuarantee logo, and the Site are all property of the Company. All images, graphics, text, and other content used in connection with the Site are protected by trademark, copyright, and other proprietary laws. You may not download (except where invited), reproduce, modify, publish, distribute, transmit, transfer, sell, or modify any portion of this Site without our express written authorization.

Privacy

Your privacy is important to us. Our Privacy Policy explains how we collect, use, protect, and share personal information. By using the Site or Services, you agree to our Privacy Policy. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately if you become aware of any unauthorized access or use of your account.

Changes to the site or services

We enhance and update the Site and Services regularly. We reserve the right to modify, suspend, or discontinue any aspect of the Site or Services at any time. We will provide reasonable notice of material changes where practicable.

Termination

We reserve the right to terminate any user's right to access the Site or Services at any time, at our discretion, for violation of these Terms or for any other reason. You may terminate your account by contacting us at info@esignatureguarantee.com. Termination does not affect any pending transactions that have already been paid for.

Disclaimer and limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY AND ITS OFFICERS, EMPLOYEES, DIRECTORS, SHAREHOLDERS, AFFILIATES, AGENTS, AND LICENSORS DISCLAIM ALL WARRANTIES, CONDITIONS, AND REPRESENTATIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING THOSE RELATED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

IN PARTICULAR, THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY OR COMPLETENESS OF CONTENT AVAILABLE ON OR THROUGH THE SITE OR SERVICES. THE COMPANY WILL HAVE NO LIABILITY FOR ANY: (A) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT; (B) PERSONAL INJURY OR PROPERTY DAMAGE RESULTING FROM YOUR ACCESS TO OR USE OF THE SITE OR SERVICES; (C) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS OR OF ANY PERSONAL INFORMATION; (D) ANY INTERRUPTION OF TRANSMISSION TO OR FROM THE SITE OR SERVICES; (E) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE TRANSMITTED THROUGH THE SITE OR SERVICES BY ANY THIRD PARTY; OR (F) ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED OR SHARED THROUGH THE SITE OR SERVICES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE COMPANY BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES (INCLUDING FOR LOSS OF PROFITS, REVENUE, OR DATA) ARISING OUT OF OR IN CONNECTION WITH THESE TERMS, HOWEVER CAUSED.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICES WILL BE LIMITED TO AND WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU ACTUALLY PAID US IN CONNECTION WITH THE TRANSACTION GIVING RISE TO THE CLAIM, OR (B) THE FEES YOU ACTUALLY PAID US DURING THE TWELVE (12) MONTHS PRECEDING THE CLAIM. NOTHING IN THIS SECTION LIMITS YOUR RIGHT TO A REFUND OF FEES PAID FOR SERVICES NOT RENDERED, AS DESCRIBED IN THE "FEES, PAYMENT, AND REFUNDS" SECTION.

Indemnification

You agree to indemnify, defend, and hold the Company and its officers, directors, employees, agents, and affiliates harmless from any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use of the Site or Services; (b) your breach of these Terms; (c) any information you provide that is false, misleading, or fraudulent; or (d) your violation of any applicable law.

Dispute resolution

You and the Company agree to first attempt to resolve any disputes through good faith negotiation. Either party must send written notice of the dispute to the other party. Both parties agree to negotiate in good faith and will not commence any legal proceeding until the parties are unable to resolve the dispute within sixty (60) days after the other party receives written notice.

If the dispute cannot be resolved through negotiation, you and the Company agree that the dispute may be submitted to binding arbitration in accordance with the Rules of the American Arbitration Association ("AAA"). The arbitration will be conducted by a single arbitrator. The arbitrator's decision will be final and binding and may be enforced in any court of competent jurisdiction.

Claims may not be arbitrated on a class or representative basis. An arbitrator can decide only your and/or our individual claims. This arbitration agreement does not preclude either party from seeking equitable relief in a federal or state court.

Governing law

These Terms and your use of the Services are governed by, construed, and enforced in accordance with the laws of the State of New York, without giving effect to any conflict of laws provisions. You agree to submit to the exclusive jurisdiction and venue of the state and federal courts located in New York County, New York.

Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will notify you by posting the revised Terms on the Site with an updated effective date. Your continued use of the Site or Services after changes are posted constitutes your acceptance of the revised Terms.

Miscellaneous

If any provision of these Terms is found to be unlawful or unenforceable, that provision will be deemed severable and will not affect the enforceability of any other provisions. The failure by either party to enforce any right or provision of these Terms will not prevent that party from enforcing such right or provision in the future. These Terms constitute the entire agreement between you and the Company regarding your use of the Site and Services.

Contact us

If you have any questions about these Terms, please contact us at:

eSignature Group, LLC
169 Madison Ave STE 76750
New York, NY 10016
info@esignatureguarantee.com