I am working to develop an online credit application and have hit a stumbling block. We send a lot of accounts to third-party collections and eventually to court/litigation. Our current app provides a physical signature for both the terms and conditions and the personal guaranty. With the online credit application, how do we validate that the Terms and Conditions and the Personal Guaranty were signed by a specific individual and what do we need to provide third parties to legitimize the application and the electronic signature?