E-signature law
Are electronic signatures legal in Canada?
A Canadian contract can sit under two signing regimes: PIPEDA Part 2 for anything federal law requires, and a provincial Act for the rest. Ontario's Act lets a click express acceptance, yet still keeps wills, powers of attorney and negotiable instruments out.
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The law on this page was checked on October 22, 2026 against:
Why use it
Each signer adopts the signature
Ontario's Act defines an electronic signature as information a person creates or adopts in order to sign the document (Electronic Commerce Act, 2000 (Ontario), section 1). Salsox sends each signer their own link by email, WhatsApp or SMS, and they sign one field at a time in their browser, with no account or app. On Business and Lifetime, the finished document also carries an audit certificate.
A signed copy you can retain
Section 12 of the Ontario Act accepts an electronic document kept in its original format, or one that accurately represents its information, if it stays accessible to anyone entitled to it. Salsox finishes every document as a signed PDF, a single file you can store and hand over later, and on Business and Lifetime it also carries an audit certificate.
Order and payment in one flow
Section 19 of the Ontario Act lets acceptance, and anything material to forming or performing a contract, be expressed electronically. On Business and Lifetime, Salsox can send a document to signers in a set order and collect a deposit by card or mobile money through Stripe or Paystack as part of signing, so acceptance and payment sit in the same signing flow.
Yes. Electronic signatures are valid in Canada, but which law answers the question depends on where the requirement to sign comes from. Part 2 of the Personal Information Protection and Electronic Documents Act (PIPEDA) provides electronic alternatives where federal laws contemplate paper, and it governs requirements under federal law only; provincial laws govern requirements under provincial law (PIPEDA, section 32). Contract law in Canada is largely provincial, so for a typical sale, service or supply agreement the provincial Act is usually the one to read.
This page uses Ontario's Electronic Commerce Act, 2000 as the worked example. Other provinces have their own Acts, which are not covered here; check the one for the province whose law governs your document.
This page is general information, not legal advice. The law was checked on 22 October 2026.
Two layers: federal and provincial
The split matters because the two layers work differently.
Federal law (PIPEDA Part 2). Electronic signatures are not accepted across federal law automatically. A requirement under a provision of federal law for a signature is satisfied by an electronic signature only if that federal law or provision is listed in Schedule 2 or 3 and the regulations for that provision are complied with (PIPEDA, section 43). If a federal statute or form asks for your customer's or employee's signature, the first question is whether that provision appears in one of those schedules.
Provincial law (Ontario). The Ontario Act takes a general approach: it accepts electronic documents and signatures across Ontario law, subject to its own exclusions and conditions, set out below. When the signing requirement comes from an Ontario statute, or you simply want your contract to be enforceable in Ontario, this is the Act that applies.
What Ontario's Act recognises
- Electronic documents. Information or a document is not invalid or unenforceable only because it is electronic (Electronic Commerce Act, 2000 (Ontario), sections 4 and 5).
- Writing. A legal requirement that something be in writing is satisfied by an electronic document that is accessible so as to be usable for subsequent reference (sections 4 and 5).
- Signatures. A legal requirement that a document be signed is satisfied by an electronic signature (section 11). Two qualifications apply: reliability and method requirements for prescribed documents under subsections 11(3) and (4), and the rules for public bodies in section 17.
- Retention and originals. A requirement to retain a document is satisfied by an electronic document kept in its original format, or in a format that accurately represents its information, as long as it is accessible for subsequent reference by anyone entitled to it (section 12).
- Contracts. An offer, an acceptance or anything material to forming or performing a contract may be expressed electronically, including by clicking on a screen, unless the parties agree otherwise. A contract is not invalid only because it is electronic (section 19).
What makes an electronic signature hold up
The Ontario Act defines an electronic signature as electronic information that a person creates or adopts in order to sign a document and that is in, attached to or associated with the document (Electronic Commerce Act, 2000 (Ontario), section 1). That definition points to what you should be able to show if a signature is challenged:
- Who signed. The information has to be created or adopted by a person, so you need a way to connect the signature to the individual you sent it to.
- Intent to sign. It must be created or adopted in order to sign, so the signer should take a deliberate signing action, not simply open a file.
- Connection to the document. It must be in, attached to or associated with the document, so the signature and the signed text should stay together.
- A record you can produce later. Writing and retention requirements depend on the document staying accessible for subsequent reference (sections 4, 5 and 12).
PIPEDA's basic definition is broad: one or more letters, characters, numbers or other symbols in digital form incorporated in, attached to or associated with an electronic document (PIPEDA, subsection 31(1)). A typed name can meet it. What persuades a court or the other side is usually the record of how that name got there, which is why the audit trail matters as much as the mark itself.
Levels of signature
PIPEDA distinguishes two levels:
- Electronic signature: the broad definition above (PIPEDA, subsection 31(1)).
- Secure electronic signature: one that results from a technology or process prescribed by regulations under subsection 48(1) (PIPEDA, subsection 31(1)). A technology or process may be prescribed only if it can be proved that the signature is unique to the person, the process is under the person's sole control, it identifies the person, and it can show whether the document changed after signing (PIPEDA, subsection 48(2)).
A secure electronic signature is needed where federal law requires a signature to be witnessed: each signatory and each witness must sign with one, the provision must be listed in Schedule 2 or 3, and the regulations must be complied with (PIPEDA, section 46).
The Ontario Act has a single definition of electronic signature (section 1). Extra reliability and method requirements apply only to prescribed documents, under subsections 11(3) and (4) (section 11). Which documents are prescribed is set outside the sections described here, so check before relying on a simple signature for a document that may be prescribed.
Documents excluded or needing extra formalities
| Document | Rule | Citation |
|---|---|---|
| Wills and codicils | Ontario Act does not apply | Electronic Commerce Act, 2000 (Ontario), section 31 |
| Trusts created by wills or codicils | Ontario Act does not apply | Electronic Commerce Act, 2000 (Ontario), section 31 |
| Powers of attorney for an individual's financial affairs or personal care | Ontario Act does not apply | Electronic Commerce Act, 2000 (Ontario), section 31 |
| Negotiable instruments | Ontario Act does not apply | Electronic Commerce Act, 2000 (Ontario), section 31 |
| Documents of title (other than contracts for the carriage of goods) | Ontario Act does not apply | Electronic Commerce Act, 2000 (Ontario), section 31 |
| Prescribed documents | Ontario Act does not apply | Electronic Commerce Act, 2000 (Ontario), section 31 |
| Prescribed documents that must be signed | Reliability and method requirements | Electronic Commerce Act, 2000 (Ontario), section 11 (subsections 11(3) and (4)) |
| Documents involving public bodies | Separate rules for public bodies | Electronic Commerce Act, 2000 (Ontario), section 11, referring to section 17 |
| Signature required by federal law | Electronic signature only if the provision is listed in Schedule 2 or 3 and regulations are met | PIPEDA, section 43 |
| Witnessed signature required by federal law | Secure electronic signatures for every signatory and witness, listing in Schedule 2 or 3, and compliance with regulations | PIPEDA, section 46 |
Practical checklist for your business
- Work out which layer applies. If the requirement to sign or put something in writing comes from federal law, PIPEDA Part 2 governs; if it comes from provincial law, the provincial Act does (PIPEDA, section 32).
- Check the exclusions before you send. Keep wills, testamentary trusts, powers of attorney, negotiable instruments and most documents of title off your e-signing flow in Ontario (Electronic Commerce Act, 2000 (Ontario), section 31).
- For federal requirements, check the schedules. Confirm the provision is listed in Schedule 2 or 3 and follow its regulations (PIPEDA, section 43). If a witness is required, plan for secure electronic signatures (PIPEDA, section 46).
- Get agreement to sign electronically. Electronic acceptance works unless the parties agree otherwise (Electronic Commerce Act, 2000 (Ontario), section 19). Make sure your terms do not require paper, and say in the document that the parties agree to sign electronically.
- Identify each signer. Send each person their own signing link to a contact you know is theirs, so you can show they created or adopted the signature (section 1).
- Keep the audit trail with the document. Store the signed file together with the record of who signed, when and how, so the signature stays associated with the document (section 1).
- Keep records accessible. Store the signed document in its original format or one that accurately represents it, where anyone entitled to it can retrieve it later (sections 5 and 12).
- Flag public bodies and prescribed documents. If a public body is a party, or the document may be prescribed, check the extra rules before using a standard e-signature (section 11).
Frequently asked questions
Are electronic signatures legally binding in Canada?
Yes, within the limits of each law. In Ontario, a document is not invalid or unenforceable only because it is electronic (Electronic Commerce Act, 2000 (Ontario), sections 4 and 5), and a legal requirement for a signature is satisfied by an electronic signature (section 11). For signatures required by federal law, the federal law or provision must be listed in Schedule 2 or 3 of PIPEDA and the regulations complied with (PIPEDA, section 43).
Does PIPEDA or the provincial Act apply to my contract?
Part 2 of PIPEDA governs requirements under federal law, and provincial laws govern requirements under provincial law (PIPEDA, section 32). Where a signing or writing requirement comes from a provincial statute, read that province's Act; in Ontario, that is the Electronic Commerce Act, 2000.
Can a will or power of attorney be signed electronically in Ontario?
Not under the Electronic Commerce Act, 2000. It does not apply to wills and codicils, trusts created by wills or codicils, or powers of attorney for an individual's financial affairs or personal care (Electronic Commerce Act, 2000 (Ontario), section 31).
What is a secure electronic signature?
Under PIPEDA it is a signature that results from a technology or process prescribed by regulations (PIPEDA, subsection 31(1)). A process can be prescribed only if it can be proved that the signature is unique to the person, under their sole control, identifies them, and can show whether the document changed after signing (PIPEDA, subsection 48(2)).
Can a document that needs a witness be signed electronically?
Under federal law, yes, if each signatory and each witness signs with a secure electronic signature, the provision is listed in Schedule 2 or 3, and the regulations are complied with (PIPEDA, section 46).
Is clicking an 'I agree' button enough to form a contract in Ontario?
It can be. An offer, an acceptance or anything material to forming or performing a contract may be expressed electronically, including by clicking on a screen, unless the parties agree otherwise (Electronic Commerce Act, 2000 (Ontario), section 19).
Keep exploring
- E-signature lawWhat each country's law says about electronic signatures, section by section, with its sources.
- Audit trailWhat an e-signature audit trail records: every view, signature and payment, with time, IP and device, plus a sealed PDF and a verification code.
- Are electronic signatures legally binding? A plain guideWhere electronic signatures are legally recognised, the main laws (ESIGN, UETA, eIDAS, UK and African frameworks), common exclusions and what evidence helps.
- How long to keep signed documents (and how)How long to keep signed contracts and business records: tax rules, limitation periods and personal data, plus how to store electronically signed documents so they stay valid.
- Sign and payCollect a deposit or fee in the same step as the signature: card payments through Stripe, card and mobile money through Paystack, paid straight to your account.
E-signature law in other countries
- Electronic signature law in the United KingdomHow section 7 of the Electronic Communications Act 2000 and Article 25 of UK eIDAS treat e-signatures, and where wills and deeds still need witnesses.
- Electronic signatures in the United States: ESIGN and state UETA lawsHow the ESIGN Act and state UETA laws make e-signatures valid in the US, the consumer consent steps, excluded records, and the evidence to keep.
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