Are electronic signatures legally valid for loan agreements and policy documents in New Zealand?

Yes, in most cases. Part 4 of the Contract and Commercial Law Act 2017 lets a legal requirement for a signature be met electronically when the signature identifies the signer, shows their approval and is reliable enough for the purpose. A small number of documents are excluded, including wills, affidavits and powers of attorney. Read our guide to e-signature law in New Zealand .

Do customers need a Flowsign account to sign?

No. Each signer gets an email with a private link, opens it on a phone, tablet or computer and signs in the browser. There is nothing to install and no account to create.

How are signed documents protected?

Documents are encrypted with AES-256 at rest and TLS 1.3 in transit. Read the detail on our trust page .

What record do we keep for regulators and auditors?

Every completed package is sealed into a tamper-evident record with an audit trail and a certificate of completion showing who signed, when and from where. Both are included on every plan, including Free. See how we protect documents .

Applications signed in minutes.

Send loan agreements and disclosures from a template, with a sealed audit trail ready for compliance.

Book a demo See pricing

The Sky Tower and Auckland's CBD rising behind the boats moored in Viaduct Harbour. — The Sky Tower and Viaduct Harbour in Auckland.

Built for applications.

The right forms to each customer, signed wherever they are.

The Flowsign workflow preview, with a chosen set of answers on the left and the path those answers take through the questions and documents.

Each customer gets the right forms, and signs them on their own device.

Residential tenancy agreementSigning as Henry Walker

Harbour PropertyResidential tenancy agreement

This agreement is made between Harbour Property Limited (the Landlord) and the tenant named below (the Tenant).

1. Term

The tenancy starts on the commencement date and continues until either party ends it by giving notice in writing.

2. Rent

Rent is paid weekly in advance to the account named in the schedule.

3. Signed by the Tenant

SignatureClick to sign

TasksSignFinish Signing

Adopt your signatureConfirm your name and signature.

Full Name *Henry Walker

Select styleDrawUpload

Preview

Signature

F591D82F1883B30A

By selecting Adopt and sign, I agree that the signature will be the electronic representation of my signature for all purposes when I (or my agent) use it on documents, including legally binding contracts.

CancelAdopt and sign

SignedThe Residential tenancy agreement has been signedThe sender has been notified.

Signed asHenry Walker

Sent bysam@harbour.co.nz

Includes2 documents

You can close this page.

app for

Accounts and onboarding

Loan agreements, account opening and KYC forms signed from the customer's phone, with no branch visit needed.

Residential tenancy agreementSigning as Henry Walker

Harbour PropertyResidential tenancy agreement

This agreement is made between Harbour Property Limited (the Landlord) and the tenant named below (the Tenant).

1. Term

The tenancy starts on the commencement date and continues until either party ends it by giving notice in writing.

2. Rent

Rent is paid weekly in advance to the account named in the schedule.

3. Signed by the Tenant

SignatureClick to sign

TasksSignFinish Signing

Adopt your signatureConfirm your name and signature.

Full Name *Henry Walker

Select styleDrawUpload

Preview

Signature

F591D82F1883B30A

CancelAdopt and sign

SignedThe Residential tenancy agreement has been signedThe sender has been notified.

Signed asHenry Walker

Sent bysam@harbour.co.nz

Includes2 documents

You can close this page.

app for

Policies and claims

Compliant and audit-ready

Answers decide the paperwork

Joint applicants and guarantors

Follow-ups without the phone calls

One pack for the whole application

Send the application, disclosure and authority together as one package from a template. Merge fields fill in the customer's details so nothing is retyped.

Two colleagues smiling at a laptop at a boardroom table, with a harbour view behind.

Signed from wherever they are

Customers sign from a link on a phone or computer, with no account to create. Meeting in person? Hand them a tablet to sign on the spot.

Five colleagues meeting at a boardroom table, seen through a doorway, with a harbour and city view behind.

How it works. From application to signed record in three steps.

Build the application pack

Add your forms and disclosures to a template, with a role for each applicant and adviser.

The template builder with the Setup, Signing fields and Publish steps above a grouped list of the template's documents.

Send it to the customer

Each signer gets a link by email and signs on their own device. Reminders follow until the pack is complete.

The signing consent screen with the agreement to use electronic records and signatures ticked.

Keep the sealed record

The completed PDF comes back sealed with a timestamped audit trail, ready for the customer file.

The Activity Log on a package page listing each event with its time.

Connect to the systems you already use.

Your systems call the Flowsign REST API, a workflow sends the package, recipients are notified and sign, and webhooks post each event back to your systems and to tools such as Power Automate, Zapier, Make and n8n.

TrailVia API
Mercury NexusVia Zapier
MyCRMVia Zapier
SalestrekkerVia Zapier
BrokerEngineVia Zapier

AdviserLogicVia Zapier

Flowsign connects through Zapier, Make, n8n, Power Automate and its REST API, so signed documents and status updates land where your team already works.

How integrations work

Auckland's CBD and the Sky Tower across the blue Waitematā Harbour.

Auckland's CBD across the Waitematā Harbour.

Watch how it works

All videos

Coming soon
Feature tourReuse and scale
Building a workflow
Lay out steps, roles and signing order for a multi-stage sign-off.
Read the guide
Coming soon
How-toSign
Signing in person
Hand your device over, let them sign, and take it back.
Read the guide
Coming soon
How-toTrack and report
Reading the audit trail
See who did what, filter the list and export it.
Read the guide

Five colleagues meeting around a boardroom table with laptops, with a harbour and city view behind.

Policies issued without the paper handover

Browse templates

Frequently asked questions

Yes, in most cases. Part 4 of the Contract and Commercial Law Act 2017 lets a legal requirement for a signature be met electronically when the signature identifies the signer, shows their approval and is reliable enough for the purpose. A small number of documents are excluded, including wills, affidavits and powers of attorney. Read our guide to e-signature law in New Zealand.
No. Each signer gets an email with a private link, opens it on a phone, tablet or computer and signs in the browser. There is nothing to install and no account to create.
Documents are encrypted with AES-256 at rest and TLS 1.3 in transit. Read the detail on our trust page.
Every completed package is sealed into a tamper-evident record with an audit trail and a certificate of completion showing who signed, when and from where. Both are included on every plan, including Free. See how we protect documents.

More industries

Ports and logistics. Carrier & delivery paperwork.
Flowsign for ports and logistics
Healthcare. Consent & intake forms.
Flowsign for healthcare
Accounting. Engagement letters & sign-offs.
Flowsign for accounting

Get it signed.

Start free and send your first document today, or book a demo and we'll show you around.

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