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Altered Reports__A Disclaimer

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Julio E. Sune Jr. (FL)

Thread Starter
Senior Member
Joined
Jan 16, 2002
Professional Status
Certified Residential Appraiser
State
Florida
DIGITAL SIGNATURES
The signature(s) affixed to this report, and certification, were applied by the original appraiser and represents his acknowledgement of the facts, opinions and conclusions found in the report. The appraiser applied his signature electronically using a password encrypted method. No one other than the signing appraiser can alter this report. The Digital Signature has more safeguards and carry the same validity as the individual's hand applied signature. The electronic signature, as shown on the report, should appear blue. If the electronic signature is not blue the signature and the report may have been altered and any value conclusions presented may no longer be valid. If the report has a hand-applied signature, this comment does not apply.

APPRAISAL REPORT-PDF (PORTABLE DOCUMENT FORMAT) SECURITY
Submission of Report to Client by e-mail: If the lender/client requests that this report be electronically signed and transmitted as a PDF-file attached to an email message, the appraiser entrusts with his lender/client the secure and proper handling of this electronic file with acknowledgment that any future hardcopy printings of the report be inclusive of each and every page of its content as so transmitted to the lender/client and similarly retained within the appraiser's work-file.

As aforementioned, if the original report file is transmitted [as a PDF file] it displays a blue color of electronic signature. With previously expressed comments clearly defining the Intended User of this report it is expressed that the appraiser's lender/client will exercise prudence and professionalism regarding any sort of shared distribution of PDF-files or printed copies of this report at a future time. The lender/client has a shared obligation to maintain confidentiality and distinct control to prevent un-authorized use of this report.

The lender/client is to represent and warrant that the appraisal report was created by the appraiser identified on the appraisal report and that the appraisal report is the complete and unaltered report submitted by the identified appraiser.

If this appraisal report, is submitted by e-mail in a SECURE PDF file and the file is unlocked, altered, added to or MODIFIED or CHANGED in anyway at ANY TIME after it leaves the appraiser’s office to add symbols, watermarks or add or remove any other data/information, the appraiser is no longer responsible for any content, value or data found in the report.

If an appraisal report file is “unlocked” all the information will become null and void and no one should rely on the report for any purpose.

"Fight back"____[PC]
 

Randolph Kinney

Elite Member
Joined
Apr 7, 2005
Professional Status
Retired Appraiser
State
North Carolina
Way too much verbiage.

SHOULD ANY PORTION OF THE REPORT BE ALTERED IN ANY MANNER BY ANYONE OTHER THAN THE APPRAISER, THE ENTIRE REPORT IS INVALID.
 

Ross (CO)

Senior Member
Joined
Jan 17, 2002
Professional Status
Certified Residential Appraiser
State
Colorado
"If the lender/client requests that this report be electronically signed and transmitted as a PDF-file attached to an email message, the appraiser entrusts with his lender/client the secure and proper handling of this electronic file with acknowledgment that any future hardcopy printings of the report be inclusive of each and every page of its content as so transmitted to the lender/client and similarly retained within the appraiser's work-file.

As aforementioned, if the original report file is transmitted [as a PDF file] it displays a blue color of electronic signature. With previously expressed comments clearly defining the Intended User of this report it is expressed that the appraiser's lender/client will exercise prudence and professionalism regarding any sort of shared distribution of PDF-files or printed copies of this report at a future time. The lender/client has a shared obligation to maintain confidentiality and distinct control to prevent un-authorized use of this report."

- - - - -

Julio,....I wanted to reply via a PM to you but find that conduit is not available in your personal profile links. Upon (re)reading the captioned wording above I find the overwhelming and noted similarity to those (exact) words as I had crafted for inclusion in my reports....several years ago. It is quite likely that I shared that passage in the past here in the Forum when participating in a posting thread that focused on the signature-security issue. I am intently humbled that you found them adequate for your reports' summary statements on this security matter ! I have never truly encountered this sort of recognition when perusing Forum postings over these years. This is a pleasing experience and a nice extra treat. How totally ironic that I should be checking this thread on this day. Thanks.
 

Jo Ann Meyer Stratton

Elite Member
Joined
Jan 16, 2002
Professional Status
Certified Residential Appraiser
State
Arizona
The disclaimer I use when the order is from a third party:

"The lender is to represent and warrant to Fannie Mae/Freddie Mac that the appraisal report was created by the appraiser identified on the appraisal report and that the appraisal report is the complete and unaltered report submitted by the identified appraiser. Any additions or alterations to the report after I have delivered the report to the party that ordered the report are not included in my certifications as indicated by my electronic signature. A copy of the original report with my electronic signature is retained in my files. As illustrated in September, 2007 Uniform Standards of Professional Appraisal Practice Q&A published by the Appraisal Standards Board, once the appraisal report has been transmitted to the client, Uniform Standards of Professional Appraisal Practice does not place further responsibility on the appraiser for the client's use of that report."


 

Smokey Bear

Elite Member
Joined
Dec 8, 2004
Professional Status
Certified Residential Appraiser
State
California
Don't forget that some companies don't "unlock", they simply import the report data into a new report (in their software) and provide a copy of the signature page so you can monkey the signature onto the new report.
 

Bearslide

Senior Member
Joined
Dec 9, 2004
Professional Status
Certified Residential Appraiser
State
Pennsylvania
Don't forget that some companies don't "unlock", they simply import the report data into a new report (in their software) and provide a copy of the signature page so you can monkey the signature onto the new report.

And in the process remove any such language - as well as copyright language and copyright symbols. And I can venture to guess what else..........but they have that signature page, so all's good. :angry:

However, I still put such language in my reports - in several places. If they remove it, they have materially altered my report. Sooner or later, they will be paying for early retirement for a number of appraisers.........cha-ching.
 

TJSum

Elite Member
Joined
Nov 12, 2007
Professional Status
Certified Residential Appraiser
State
Maryland
All the above statements are good examples, and I also include in my statement how many total pages are in the report, so that the reader knows they have the entire report.
 

Tom Woolford

Elite Member
Joined
Nov 20, 2005
Professional Status
Certified Residential Appraiser
State
Florida
All the above statements are good examples, and I also include in my statement how many total pages are in the report, so that the reader knows they have the entire report.

I add the number of pages to the end of an unused, or large field, such as the comments field on page three. I'll stick a "27" or whatever the number is at the very end of the field.
 

Riick

Elite Member
Joined
Aug 14, 2007
Professional Status
Certified Residential Appraiser
State
Delaware
THE USER OF THIS REPORT HEREBY AGREES, BY VIRTUE OF THE USE OF THE REPORT, THAT THE APPRAISER *WILL NOT* BE HELD RESPONSIBLE FOR ANY DECISION(S) REACHED BASED -IN WHOLE OR IN PART- ON A REPORT WHICH DIFFERS FROM THE HARD COPIES (PAPER COPIES) HELD IN THE APPRAISER'S OFFICE FILES
 

Workbox

Elite Member
Joined
Mar 2, 2005
Professional Status
Certified Residential Appraiser
State
Colorado
And in the process remove any such language - as well as copyright language and copyright symbols. And I can venture to guess what else..........but they have that signature page, so all's good. :angry:

However, I still put such language in my reports - in several places. If they remove it, they have materially altered my report. Sooner or later, they will be paying for early retirement for a number of appraisers.........cha-ching.
In bold, that is their supposed loophole, but now their are two certifications, It still forgery.
 
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