Digital Marketing FAQs – A Guide For 2021

January 15, 2021 3:14 pm Digital Marketing Ireland VINDICTA® Newsroom Comments

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If you’re just starting your journey with digital marketing or shifting your business online, we’ve got you. As a top-rated Digital Marketing Agency based in Northern Ireland with offices also in Manchester, Liverpool and Leeds, we know exactly what it takes for your business to thrive. However, first things first. As a beginner, you may have a lot of questions about digital marketing and we’re here to answer them!

What is digital marketing?

At a high level, digital marketing refers to advertising delivered through digital channels such as search engines, websites, social media, email, and mobile apps. Using these online media channels, digital marketing is the method by which companies endorse goods, services, and brands. Consumers now rely on digital means to research products more than ever. If you follow brands or influencers on Instagram, you’re experiencing digital marketing daily—and likely every time you open your feed. Same goes when you take a deep dive into Google search results to find anything from a new dinner spot to where to find the best SEO Manchester Agency.

Google marketing insights found that 48% of consumers start their inquiries on search engines, while 33% look to brand websites and 26% search within mobile applications.

Digital Marketing vs. Traditional Marketing

Digital and traditional marketing share the same fundamental mission: identifying a target audience and their needs, connecting the audience to products that fill those needs, and convincing the audience to follow through with purchasing products. However, connecting with customers in a virtual space (digital marketing) involves different methods of connection than traditional marketing. Here are a few of the key differences:

Traditional Marketing Includes:

Reaching out to locally targeted audiences—e.g. purchasing print or broadcast advertising that runs in specific geographical areas.

Producing physical marketing materials—things like brochures and catalogues.

Relying on traditional delivery channels—think familiar delivery methods like television, newspaper, magazine, and radio ads, mailed advertisements, and voice sales calls.

In-person marketing events—establishing a brand presence at conferences, conventions, seminars, etc.

Digital Marketing Includes:

Customizing an audience from a global population—digital audiences can be reached anywhere with internet access, meaning digital marketers can fine-tune their audiences using demographics that best fit their campaign (not only region but also age, gender, personal preferences, etc).

Audience interaction—unlike more passive traditional marketing (e.g. a television viewer watching a commercial), digital marketers are able to interact directly with their audience through forums like website comment sections and social media accounts.

Using multiple delivery channels based on audience needs and preferences—dynamic web content allows digital marketers to offer their audience a range of delivery channels (including YouTube videos, Instagram posts, blog articles, and marketing emails), then letting the audience engage with the channels that appeal to them the most.

Online marketing events—similar to conferences and conventions in traditional marketing, digital marketers host online events like webinars, product demonstrations, and courses, which can often be attended “live” or viewed afterwards on-demand.

Everything website orientated – digital marketing is not just about engagement but also about optimising each and every piece of your information online in order to create organic traffic.

Can my business benefit from digital marketing?

The only answer is yes. Though companies in many business categories continue to approach digital marketing with scepticism, avoiding digital marketing denies your business access to the media, where the majority of consumers turn to first in order to find any information. Furthermore, customers can look up your website at all hours of the day and not just within the shop opening hours as they would with a physical place.

How often should I update my website?

As website design and development professionals, we all know how important first impressions are. Consider the first impression that your customers are likely to have with your business. Nowadays, consumers spend a significant amount of time conducting online research about businesses, products and services before deciding whether or not to make a purchase. This online research may include checking out your various social media channels, exploring online directories for customer reviews, and visiting your company’s website.

Put yourself in the shoes of your target audience and take a moment to visit your website. What type of the first impression do you get? Is the information clear and concise or does it leave you with many unanswered questions? Remember, your website is the face of your brand. It’s how many of your customers first discover your business. When your website is out-dated, it is often perceived that your business is also out-dated.

Should I optimise my website for mobile devices?

Mobile phones are currently the most used technology in the world. Most of your prospects spend the majority of their media time and hours using a smartphone. Mobile marketing focuses not only on mobile websites but also on mobile strategies like messaging and mobile applications. A brand that ignores mobile marketing is doomed.

At Vindicta Digita, we make sure to design only those sites which will work flawlessly on every platform. With the mobile generation always in our minds when we build your website. It’s important that each section you have as a company is designed to be responsive to both the desktop and the mobile because you never know who will access your site and when.

What is content marketing?

Content marketing is a strategic marketing approach focused on creating and distributing valuable, relevant, and consistent content to attract and retain a clearly defined audience. It ultimately aims to drive profitable customer action.

Content marketing examples include:

Blog posts – Blog posts are a healthy base for your content marketing efforts. This is your platform to discuss popular industry subjects, position yourself as a thought leader, explain how your products can address common challenges and draw potential customers to your website.
Case studies – Case studies describe a real issue that a real customer had, and how your product alleviated that challenge. It’s bottom-of-funnel content that can be a huge help in converting customers; hearing a true story about a satisfied customer’s experience is incredibly convincing.
Infographics – People love infographics and everything visual. They’re fun to look at, easy to understand and are packed with information. For all of these reasons, including infographics in your content strategy is simply a smart idea. The best part: You have lots of leeway on how you want to design your infographic.
Explainer videos – Explainer videos complement your other marketing efforts by explaining the benefits of a particular solution, details about a product or the nuances of a difficult problem.
Testimonials – Testimonials can give potential customers an inside look into what it’s like to work with a company or use a particular product or service.
Webinars – Webinars are online seminars that you can create and host for your audience. They can be live or recorded (or both) and they’re your opportunity to share your perspective on an industry theme, a product of your own or something else altogether.
User-generated content – User-generated content is exactly what it sounds like: content created by people outside your organization. This strategy engages real people, is unique and creative, plus is very cost-effective.

Types of content

Content marketing formats can change often based on customer expectations and user demands. As websites and social feeds become more responsive and sophisticated, they’re able to host more dynamic file formats, granting marketers greater opportunities to reinvent the wheel. As a top-rated and Forbes recognised Digital Marketing Agency, we offer our clients various types of content. From written ( blogs ) to social media, video and other visuals!

How often do I need to publish blog posts or create new content?

To understand content marketing, you first need to understand that: search engines will learn to index your site as often as you publish content. However, neither your audience nor search engines value garbage content. The answer(s) to this question is you should create content as often as you can create great content, and you must consider your costs and ROI.

Now, let’s move to Search Engine Optimisation…

What is SEO?

Search engine optimization (SEO) is the process of using onsite and offsite tactics to help get content presented by a search engine. If done well, the practice increases the quantity and quality of your traffic.

Why is SEO so important?

The majority of web traffic is generated by search and those that come by way of search have a greater degree of commercial intent than most other channels. Think of it this way, when you use a search engine like Google for clothing or other E-commerce things, you probably just stick to the results shown on the first three results page. Websites that are in top results are most likely, very well optimised and gaining traffic whilst their competitors stay in the back.

What is local SEO?

Local SEO is the process of optimising your online properties to generate traffic from location-based searches. It helps businesses promote products and services to local customers when they need them. So, when you search for SEO Belfast, Vindicta Digital shows up in top results.

What are Keywords in Digital Marketing?

Keywords are the words and phrases searchers use—usually with search engines—to find relevant pages, images, videos, or any kind of information when looking for answers, knowledge, products, or services. Belfast SEO professionals consider keywords and the topics they suggest when optimising content for search. Thus, making sure that your website is

What determines search engine rankings?

This question is the source of endless speculation and debate because search engine companies such as Google will not answer it directly. Experts generally agree rankings are based on relevance and authority, but the factors that determine them are many—and inconsistent. The best way to achieve a high search engine ranking is to create one of the most thorough web pages possible for a specific keyword or topic and adhere to any changes that Google is making/announcing such as this one: Google ‘May 2020 Core Update’ & Content Marketing

What does PPC stand for in Digital Marketing ?

PPC stands for pay-per-click, a model of internet marketing in which advertisers pay a fee each time one of their ads is clicked. Essentially, it’s a way of buying visits to your site, rather than attempting to “earn” those visits organically.

Search engine advertising is one of the most popular forms of PPC. It allows advertisers to bid for ad placement in a search engine’s sponsored links when someone searches on a keyword that is related to their business offering. For example, if we bid on the keyword “SEO Belfast,” our ad might show up in the very top spot on the Google results page.

What is marketing automation?

Marketing automation is software that manages marketing processes and campaigns across multiple channels. It streamlines lead generation, segmentation, leads nurturing, leads scoring, measurement processes and more.

An effective marketing automation tool helps identify your audience, create the right content, and automatically trigger actions based on customer behaviour.

Now, on to the next part Social Media.

Why is social media important?

The importance of social media is rising each day. Chances are your audience is active on one or more of the major social networks where billions of people spend time daily. Brands that understand the power of social media marketing and commit resources to it can boost awareness, drive traffic, interact with customers, drive sales, build loyalty, and win advocates.

Which social media channels should I use?

Consider first the top social channels in terms of active users: Facebook, Instagram, Twitter, LinkedIn, YouTube, TikTok and Pinterest. Determine where your audience spends their time. Research the demographics and behavioural patterns of the users and consider the type of content you’ll share.

Let’s also cover some questions surrounding email marketing.

Is email marketing still effective?

Email is stronger than ever. It’s more popular than any social media. It’s more private. More personal. More reliable. Most people rely on email and check their inbox multiple times each day. If you want to communicate directly with people who actually grant you permission to market to them, email is marketing is essential.

Do I need an email newsletter?

It’s wise to send regular updates to your subscribers with news of new content, new products (or improvements), events, and so forth.

Want to dominate your industry with the help of Digital Marketing?

Get help with improving your traffic, leads, and revenue. At Vindicta Digital, we craft digital solutions that provide an ROI and dominate your industry.

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The business, company or person (hereafter referred to as The Client) requesting the services of The Company (hereafter referred to as Vindicta Digital) agrees to pay Vindicta Digital 60% deposit of the full price in advance in cleared funds prior to any work commencing. This is a non-refundable payment and will signify the agreement by The Client to allow Vindicta Digital to carry out the agreed project. A further payment of 40% of the full price must be paid at the design sign-off stage of the website construction. If payments are not made, do not clear, or are late, then Vindicta Digital reserve the right to stop and postpone all work until payment is made and The Client risks losing their development time slot and extra fees may be charged. For clarity, the term completion means the completion of the construction of the website, and it does not mean the date of the launch of the website. The final payment must be paid prior to the website going live without exception. A full invoice will be issued to The Client by Vindicta Digital. Please note that if paying in a currency other than pound sterling (GBP), the rate finally charged may vary due to currency fluctuations and The Client agrees to pay any bank charges acquired due to currency conversions, or failed payments. The purchase price is agreed in advance and will be related to the deposit paid unless otherwise agreed in writing by both parties. Deposits are non-refundable.

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Payment Terms for Marketing Services Including SEO, Social Media, Digital Advertising:

All marketing services must be paid for strictly in advance. If payment has not been made after the commencement of the services or by the date of invoice, The Client will be subject to a 5% monthly interest fee, which will be added to the balance on the account until the full balance is paid. If the balance passes 90 days of the date of the invoice, then an additional collection fee of £300.00+VAT will be charged. If all balances are not paid when due, Vindicta Digital have the right to remove all work as they deem appropriate and freeze the account until payment is made in full.

Payment Terms for Video Services:

All production services for Videos must be paid for as follows: 40% deposit of full purchase amount, with 40% paid on completion of the video shoot, and final 20% on completion of editing. It is solely The Client’s responsibility to ensure Vindicta Digital are aware of all requirements prior to shooting, as each additional day required will be charged at the standard rate pricing. Clients are charged for the time required to complete projects based on the information provided to Vindicta Digital by The Client. If this information is not accurate then Vindicta Digital reserve the right to invoice The Client for the additional time required to complete the project. In addition, if The Client causes any delay that is deemed unnecessary, Vindicta Digital have the right to invoice for the next stage of payment. After the commencing of services or date of invoice, The Client will be subject to a 5% monthly interest fee, which will be added to the balance on the account until the full balance due is paid. If dates are set for the shooting of any part of the video, The Client must give Vindicta Digital 10 working days’ notice to cancel or reschedule the shoot, otherwise, the full fee for that booking will still be due and an additional fee will be charged to reschedule the filming.

Payment Terms for Training & Cancellations:

After the commencement of services or date of invoice, The Client will be subject to a 5% monthly interest fee, which will be added to the balance on the account until the balance is paid.

At least 5 working days’ notice must be given in advance to cancel any training otherwise, the full training fee will be invoiced.

30 Day Payment Term:

It is company policy of Vindicta Digital that all invoices are paid within 30 days of receipt. All invoices must be paid on time or the client must provide a valid excuse and date for future payment. If the balance is not paid within 45 days and without notice in the form of an email received by accounts@vindictagroup.com then the account will automatically be frozen and all services provided will be stopped without notice. To unfreeze the account The Client must pay £200.00+VAT including all outstanding balances.

Images

All content and images to be included on the website must be provided by The Client prior to the start date, and in the correct format without any errors. If images are not supplied by The Client prior to the start date, then Vindicta Digital reserve the right to use suitable stock images for which The Client agrees to pay all costs for buying or acquiring these images. Vindicta Digital will require all e-commerce product images prior to the start date along with all product information and descriptions in an agreed spreadsheet format. If this is not provided, then The Client will be responsible for adding all product directly to the website themselves via the admin panel. It is the sole responsibility of The Client to ensure that all descriptions provided are accurate and that the correct permissions have been granted to use said descriptions. Vindicta Digital will not be responsible for any delays due to spreadsheet uploads and the full responsibility for providing content in the correct format rests solely with the client. Details of any additional costs arising from using stock images are available upon request.

It is the sole responsibility of The Client when providing images to be included on the website, to ensure that these images are not protected by any third party intellectual property rights. By proceeding with our services, The Client hereby agrees to indemnify Vindicta Digital from any legal action brought by a third party for any infringement of their intellectual property rights arising from any page designs or images contained within The Client’s website. This indemnity will continue after completion and extends to grant indemnity for content which Vindicta Digital can accept no liability for, and for any specific design formats requested by The Client. If The Client is providing designs for Vindicta Digital to use in the coding or development of a site, then it is The Client’s responsibility to provide such designs in the exact formats as required by Vindicta Digital. It is understood that The Client is fully aware of the required formats and that The Client takes full responsibility for providing such formats. If The Client does not provide the designs in the correct formats and by the agreed dates then the client will miss the coding slot allocated and Vindicta Digital reserve the right to charge for the reallocation of coding time. New coding slots will be reallocated at Vindicta Digital’s discretion.

Information Required

The Client agrees to provide Vindicta Digital will all information required (including text, contact details, contents, profiles) to be included on the website prior to the start date and/or deposit payment date. If additional information, images or changes are required by The Client after the start date or deposit payment date, The Client hereby accepts that Vindicta Digital will charge an additional £40.00 per hour to implement said additional content. Furthermore, if page changes/amendments/modifications are made by the client after the start date/deposit payment date an additional charge will be payable to Vindicta Digital. Details of these charges are available to The Client upon request. Functionality must also be specified prior to the start date. Where the client requires any changes/amendments/modifications to the functionality then additional charges will be incurred and deadlines will be void. Details of additional charges are available upon request.

Functionality & Hosting

It is the sole responsibility of The Client when providing functional requests and instructions to be included in the website, to ensure that these designs and functions are not protected by any third-party intellectual property rights and/or patents. The Client hereby agrees to indemnify Vindicta Digital from any legal action brought by a third party for infringement of that third party’s intellectual property rights or patents arising from any coding, processes, journeys or functions contained within The Client’s website. This indemnity will continue after completion and extends to grant indemnity for design, content and functionality for which Vindicta Digital can accept no liability.

The Client must specify all functionality required prior to the start date. Vindicta Digital will, however, discuss functionality with the client prior to the start date to assist the client with the options available. The hosting must also be established prior to the completion date otherwise hosting charges will be invoiced. Vindicta Digital will endeavour to assist in this matter but ultimate responsibility remains with The Client.

Vindicta Digital will not be liable for any loss in sales or business due to server downtime, human error, loss of emails or data, site downtime, site hacking, third-party integrations or due to system failures unless contracted with a Service Level Agreement. Vindicta Digital may use third-party payment gateways and ESCROW facilities where appropriate to accept and process credit card payments. Vindicta Digital will not be held responsible for any fraudulent transactions, failed transactions or any transfer of funds. The Client hereby removes all liability from Vindicta Digital for any financial losses or third party losses. Vindicta Digital will permit The Client to view all work prior to making it live online to the public and therefore The Client hereby agrees to indemnify Vindicta Digital from any loss in sales, downtime or reputation due to site errors or problems. If Vindicta Digital are made aware of any such issues they will rectify them as soon as possible.

Delays

The full balance of payment will automatically become due on the completion date, without deduction. The Client hereby agrees that if a delay is caused by The Client’s failure to provide information, images, functionality or any other essential requirements, content or designs for the setting up of the website The Client will pay the full balance payment due to Vindicta Digital on the completion date. If the client misses the coding slot allocated, then Vindicta Digital reserve the right to charge for the reallocation of coding time. New coding slots will be reallocated at Vindicta Digital’s discretion. Third-party software integrations, unless agreed in writing, will be timed and cost separately and all costs payable to third parties will be the responsibility of The Client.

Development Cancellations

Should a client wish at any stage to cancel this agreement, The Client will forfeit the 60% deposit and will be liable for any further costs including third-party costs incurred by Vindicta Digital up to and including the date of cancellation. The client will also be responsible for all hosting costs associated with the production and testing phases of the site. If the costs are not paid upon receipt of the invoice, then interest will be added at 5% of the value of the total invoice each month. The client also accepts that it will be liable for all legal fees associated with trying to retrieve any balances owed.

Ownership, Intellectual Property & Copyright

Any downloading, copying, reproduction, redistribution and transfer of any software or materials contained on a Client’s website is expressly prohibited unless agreed in writing by Vindicta Digital. Vindicta Digital must follow set procedures to permit clients to copy, replicate or transfer their websites to maximise server security.

All content included on the website is and shall continue to be the property of Vindicta Digital until all balances are cleared and the website is transferred in accordance with Vindicta Digital’s internal policies. All such content is protected under the applicable UK and International laws, including copyright, trademark and other proprietary rights laws. No content, image, logo, graphic, video or sound from the website may be copied or retransmitted unless expressly permitted by Vindicta Digital.

Any copying, redistribution, use or publication by you of any content or any part of the website is prohibited, except as expressly permitted in these Terms of Use. Except as expressly granted in these Terms of Use (or to you specifically in writing), Vindicta Digital do not grant any express or implied right to you under any patents, copyrights, trademarks, or other intellectual property rights.

The absence on the website of a product, service name, slogan or logo does not constitute a waiver of Vindicta Digital’s rights.

If a Client or person working on behalf of a Client that has been granted access to servers on the instruction of the Client, then the Client becomes liable for all associated costs with regards to re-testing of servers, software, time, loss to the company over a 3 year period of hosting and any and all fees associated with retrieving Vindicta Digital’s property.

Documents and Other Materials

All documents and any other materials provided on the website, including but not limited to information, documents, logos, graphics, and images (i.e. “Materials”), are provided either by Vindicta Digital and are the copyrighted work of Vindicta Digital. Except where stated, none of the Materials may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, including but not limited to electronic, mechanical, photocopying, recording, or other means, without the prior express written permission of Vindicta Digital. Except where expressly provided in a separate license, nothing on the website shall be construed to grant any license under any of Vindicta Digital’s intellectual property rights, whether by estoppels, implication, or otherwise. Also, you may not “mirror” or replicate any Materials contained on the website on any other server without Vindicta Digital’s prior and express written permission.

Vindicta Digital may, but is not obligated to do so, monitor or review statements or materials on the website provided by third-parties. Vindicta Digital makes no representation as to the accuracy, legality, ownership or other aspects of such materials. Vindicta Digital disclaims any liability for such third-party statements or materials under all laws relating to defamation, intellectual property infringement, privacy, obscenity, or other areas of law.

Vindicta Digital hereby grants you a limited, non-exclusive license to use the website for your own personal use but strictly not for republication, distribution, assignment, sublicense, sale, preparation of derivative works, or other similar use. Any unauthorised use of any Materials contained on your website may violate copyright laws, trademark laws, the laws of privacy and publicity, and other regulations and statutes.

You agree to cover all expenses if these terms are broken including, but not limited to, all legal costs, server scanning and maintenance costs, management costs and the like. If these terms are not adhered to, Vindicta Digital retain the right to invoice for any discounts granted in invoicing due to any loss of long-term hosting revenues that were pre-agreed.

Prior Conditions for Marketing Services

The client has no duplicate sites, duplicate content or pages, redirects or doorway pages. Any such event must be reported to Vindicta Digital prior to starting any services.

The client has not requested or exchanged links with link farms or undertaken any spamming techniques which may harm the web site’s ranking with Google. Any past instances must be reported prior to any services being provided.

We can not give a 100% guarantee for any specific result on any search engine, nor can we quantify the level of any increased traffic or sales as a result of an SEO campaign. Any projected results are an estimate and not a guarantee.

All fees are payable in advance and when requested, and are non-refundable under any circumstances.

If the client makes any changes to the optimised pages created by Vindicta Digital without our knowledge or does not implement any changes advised by us, any guarantee placed will become void immediately.

Vindicta Digital follows a strictly ethical SEO policy and may make void any guarantee should it be discovered that The Client has at any time participated in actions considered undesirable (ie spamming) by the search engines, such as but not limited to:

Making use of hidden links
Links to link-farms, FFA link pages, etc.
Using page redirect or cloaking techniques
Submitting the web pages of the site to the search engines, search directories or other websites without the prior consent of Vindicta Digital
Using automated website submission software or websites
Using automated reciprocal link programs

Vindicta Digital reserves the right to use client websites, web design, layouts, wireframes and collateral in their advertising and or marketing initiatives. This may include portfolio examples on our website, case studies and other promotional initiatives, and discrete links at the foot of the pages on the supplied website until otherwise specifically instructed by The Client to not use it.

Hosting

The Client agrees that their website is not hosted on any free webspace using domain forwarding (either framed or otherwise). In cases where there is either concern that the current hosting IP address may be part of a ‘bad neighbourhood’ or for reasons of optimisation, Vindicta Digital may request that The Client changes the hosting provider.

Third Party Fees

Any fees that the search engines charge to include a listing are to be paid separately by the client. This includes, but is not limited to pay per inclusion charges in directories like Yahoo! etc.

Access to Client Website

For the purposes of receiving professional SEO services, Client agrees to provide the following:

All administrative/backend access to the website for analysis of its content and structure.
Permission to make changes as required for the purpose of optimisation, and to communicate directly with any third parties, e.g. your previous or current web designer if necessary.
Unlimited access to any or all website traffic statistics, if established, for analysis and tracking purposes.
An email address for the purposes of requesting links
Authorisation to use any or all client pictures, logos, trademarks, web site images, pamphlets, content, etc., for any use as deemed necessary by Vindicta Digital for search engine optimisation purposes.

If The Client’s site is lacking in any textual content, Client will provide additional text content in digital format (email, word doc etc) for the purpose of creating additional or richer web pages. Vindicta Digital can provide site content at an additional cost to the Client.

Warranties and Indemnity

The client warrants to Vindicta Digital at all times that any and all the material included on the Web Site is: 1. is not in breach of the Intellectual Property rights of any third party. 2. is not obscene within the definition of the Obscene Publications Act 1959 or any other relevant provision, act, or law 3. is not in breach of any code or provision of statute or common law or otherwise in force from time to time in relation to Advertising of Goods or Services. 4. contains no element of corporative advertising which is in breach of the Control of Misleading Advertisements (Amendment) Regulations 2000. 5. is not in breach of the Defamation Act 1996 or any other relevant provision. 6. does not contain any misleading price comparison in breach of Consumer Protection Act.

Loss of Service

Vindicta Digital accepts no liability for loss of service, unavailability of files, damage of data, misuse of equipment by other clients, failure of any externally managed equipment or communications devices or other services deemed to be beyond Vindicta Digital’s control.

Client Information

Vindicta Digital’s Marketing terms and conditions prohibit the disclosure of customer information without the customer’s express written consent except as required to comply with a current judicial proceeding, a court order, or any other legal process served on Vindicta Digital. If you require information regarding a Vindicta Digital customer you must mail, or serve a valid subpoena on Vindicta Digital. Vindicta Digital is a sole trading business under the name of Vindicta Digital The Vindicta Group is also a trading name of Vindicta Digital Registered Office: 52 Hill Street, Belfast BT1 2LB.

Cancelling Marketing Services

One month’s notice (30 days) in writing is required to cancel any marketing service including but not limited to SEO, PPC, Adwords, Facebook advertising, content creation, copywriting etc.

If fees are not paid, Vindicta Digital have the right to notify third parties of balances on the account via whatever channels they feel appropriate and add interest at 5% per month until balances are paid. The client will be liable for any and all fees associated with retrieving any balances on the account.

*YOUR SIGNATURE ON A PRINTED COPY OF THIS AGREEMENT IS NOT REQUIRED. YOUR USE OF OUR SERVICES SHALL CONSTITUTE A VIRTUAL SIGNATURE, HAVING THE SAME FORCE AND EFFECT AS IF YOU HAD SIGNED A PRINTED COPY OF THIS AGREEMENT. *

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