Call +1.888.916.3999 or contact sales PageFreezer Facebook PageFreezer Twitter PageFreezer Linkedin PageFreezer Google plus PageFreezer YouTube PageFreezer Instagram

New Social Media Compliance Archiving Service for Mortgage Brokers

New Social Media Compliance Archiving Service for Mortgage Brokers

VANCOUVER, British Columbia, Aug. 19, 2015 /PRNewswire/ — PageFreezer Software Inc. is pleased to announce a new website & social media archiving service for mortgage brokers to assist with Mortgage Acts and Practices compliance (MAP) (

Simple, easy-to-use technology and affordable pricing allow mortgage brokers of all sizes to take advantage of social media marketing without fear of hidden fees or complex archiving requirements.

finance archiving

MAP compliance requires mortgage brokers to retain an accurate record of their social media communications with clients that “are designed to effect a sale or create interest in purchasing goods or services”. MAP compliance includes online content such as websites, blogs and social media accounts such as Facebook, Twitter, YouTube, LinkedIn, Google+, Instagram and Pinterest.

The new MAP compliance regulations have made many mortgage brokers wary of fully using the power of social media marketing and missing out on tremendous opportunities.

That’s why PageFreezer is creating a targeted service for mortgage brokers that makes archiving online content easy, secure, audit-ready and affordable. Pricing for a bundle of five social media accounts starts as low as USD 99 per month.

With automatic social media archiving, mortgage brokers of all sizes can take full advantage of the powerful communication opportunities of social media and the Internet. They can focus on delivering useful, relevant information to their customers and prospects without having to worry about capturing and preserving their content or having doubts about retrieving that content for an audit.

All website & social media archives are legally authenticated with a 256-bit digital signature and timestamp, so they are of evidentiary quality and comply with the E-Sign Act, Federal Rules of Evidence, and MAP requirements. Archives are kept securely stored on PageFreezer’s private SaaS cloud platform in strict accordance with rigorous SSAE 16 auditing standards and with redundancy for added precaution.

Michael Riedijk – CEO of PageFreezer: “PageFreezer makes it extremely easy for mortgage brokers of all sizes to comply with online record retention requirements at a simple flat fee without hidden costs. We’re taking all obstacles away for firms to comply with MAP.”

PageFreezer is a leading provider of website and social media archiving solutions to over 500 finance, legal, telecom, retail, utilities, government and post-secondary education clients. PageFreezer is a SaaS (Software-as-a-Service) service that enables organizations of all sizes to permanently preserve their website and social media content in evidentiary quality and replay them as if they were still live.


Michael Riedijk, CEO
+1 888 916 3999
SOURCE PageFreezer Software Inc.

What’s Your Website & Social Media Archiving Plan?


If your company or agency hasn’t adopted a solid records retention policy, now is a good time to re-evaluate the necessity of keeping archives of online content.  Across all industries, regulators are increasingly focusing on web content as being subject to the same guidelines as publications and traditional paper records.

Remember, this goes for social media too! Many companies will continue to join the online conversation (some without due consideration for retention requirements).  A wall post or tweet is so transient, it’s easy to forget that these tiny bits of info are considered (in most industries) to be official company publications. As such, they must be captured and stored carefully just like other business records.

Consider your current records retention strategy.  Is it sufficient?  If your company had to face litigation or e-discovery proceedings, would you confidently be able to produce non-refutable records from a specified date?  How difficult would it be to find the data in question?  And most importantly, would you be able to view the content (including links, rich media, feeds, etc) just as it appeared when it was created?

Server Back-Up

Some companies believe their server backup policy is providing them with sufficient protection. However, the web is built on rapidly evolving technologies, making it increasingly difficult to maintain a comprehensive record of web history using backup alone. In fact, for historical web pages to be valid, companies must continually backup any databases (in addition to the other website components) because the databases influence the site’s content and are constantly changing.

In addition, backups are cumbersome (a continual manual process), expensive (because of excessive storage demands), and inefficient (since they cannot be indexed or searched).  Above all, most server back-ups simply do not meet the standards for data integrity and authenticity that are required by the Federal Rules of Evidence for use in court.

CMS Revision Control

What about Content Management Systems (CMS)? Many of these systems have revision control of web page content built into the application, enabling users to view versions of webpages from the past.  But this technology isn’t powerful enough to restore the pages in a comprehensive, defensible form.

Modern online content is dynamic and complex, often pulling data (such as Flash or AJAX content) from outside the CMS’s database. A web page reproduced through CMS revision history will not be truly admissible unless the reproduced page bears a digital timestamp and signature.  Needless to say, this is not a viable option for companies interested in a strong records retention policy.

Web Archiving

Archiving is the emerging solution to the problem of maintaining perfect historical web records.  An enduring web archive is created by capturing a digital snapshot of the web content, independent of specific databases or technologies. That means the webpage can always be viewed in its original form and deliver the same user experience, meeting regulation requirements for authentic copies.

Archiving guarantees your company’s ability to exactly reproduce past online content, and to locate specific pages using search technologies for web-analytics or e-discovery purposes.

Online business communications will only increase, so take a proactive approach to records retention by archiving your online presence.

Government Lessons from AMEX V. Vinhnee

“In 2003, California resident Vee Vinhnee filed for bankruptcy in U.S. Bankruptcy Court. He owed American Express more than $40,000 on his credit cards. American Express (Amex) sued Vinhnee to recover the balances owed on the cards. In Vinhnee vs. American Express Travel Related Services Company Inc., Vinhnee won his case without a lawyer and without appearing in court”.

“Amex rested its case solely on its own internal computer records, the electronic monthly statements issued by the credit card company, as evidence of Vinhnee’s debt. The court refused to admit the electronic records as evidence because the company ‘could not offer proof to authenticate the records’. Amex lost again at appeal” [1].

How does this apply to governments?

In accordance with Public Records Laws, government websites are considered official government publications. Information on these sites influences actions and decisions of citizens and businesses. Governments can be held accountable for the information they publish on the web and, thus, need a reliable and authenticated website archive as evidence.

The Vinhee vs American Express case demonstrates electronic evidence is only allowed when data integrity and authenticity can be proven. An ordinary back up of a website is not enough to be submitted as evidence in a court of law.

What is the solution?

According to the Federal Rules of Evidence (rule 901) and current case law, to be accepted as legal evidence, data integrity and authenticity of electronic files must be proven, meaning that the data has not been tampered with since the data was archived. This can only be done by placing a trusted, non-refuted digital signature and digital timestamp on each and every webpage. The digital timestamp provides legal proof when the data was archived, while the digital signature provides legal proof that the page was not changed since it was acquired.

The online website archiving service PageFreezer places both a digital signature and a digital timestamp on every archived webpage, providing evidence with the integrity and authenticity required in a court of law.

American Express probably would have not lost case had its archives provided this information required to be accepted as legal evidence. Governments can learn from this case and protect themselves in the event of liability claims by archiving their websites using PageFreezer.

Pharmaceuticals – Balancing Online Presence and Compliance

PharmaTweets: How to balance online presence and compliance

More people are taking their health into their own hands, and they are doing it through the power of the web. Whether to diagnose some odd symptom, skim reviews about a new drug, or investigate the implications of healthcare reform, an increasing number of adults are getting at least some health information via the Internet — a study put the number at 90% of online Americans — and the majority of those people are members of Facebook, Twitter, or both.

Drug companies eyeing social media

Given these facts, it’s no wonder that drug companies have been eyeing social media as a potentially powerful asset, but the pharmaceutical industry has been slower than others to join the online conversation. This is primarily because of concerns over FDA regulations about disclosure and fair balance. In traditional marketing, FDA requirements are met by tacking disclaimers onto the end of print ads and television commercials.  Compliance is trickier when dealing with a 140-character limit, as on Twitter.

In 2009, as drug companies began to attempt more online marketing, they requested that the FDA re-consider its standards for web communications, and a public hearing was held as the FDA acknowledged that emerging technologies may require the agency to provide additional guidance in that arena.

At the time, industry experts expressed concern that the infamous rule development process could never keep pace with online innovation, and although the agency announced the promotion of prescription drug products using social media tools as part of their Guidance Agenda, pharma companies are still waiting for concrete rules as they attempt to balance compliance with online communications.

As these issues continue to develop, there are a few basic tenets that drug companies can bear in mind while building a relatable web presence.

Be aware of regulations and conventions.

It’s important to keep abreast of the current state of the discussion and the unspoken guidelines of the twitter-verse in order to tweet effectively, writes Dan Bebear, pharma industry consultant, in his helpful article on the subject.  One resource for staying educated is Jonathan Richman’s Pharma Social Media Wiki, which aggregates all social media content created by the healthcare industry — it’s a lot of information, but that’s the whole point. Also useful is Ignite Health’s Twitter account #FDASM, comprising everything about the FDA, Internet, and Social Media. Here, drug companies can stay on top of the latest announcements, trends, and compliance issues for their industry.

Value engagement over advertisement.

Online marketing and sales still carry considerable compliance risks — so pharma companies can instead focus on creating a personable and engaging web presence, building trust and brand recognition in consumers. Tweeting about a variety of topics and including plenty of human interest, companies can reach out to the public without breaking regulations. Johnson and Johnson twitter feed sets the standard in this arena.

Implement a records retention policy.

Organizations are held increasingly liable for online content — down to every post and tweet. Keeping a non-refutable record of what was said, and when, is not a luxury but a necessity in today’s claim-skeptical environment. In case of FDA crackdown or any other legal issue, it’s essential that drug companies protect themselves with a solid web archiving policy. That’s the only way to ensure complete, legally-acceptable backup of the ever-changing corporate web presence.

For more information on how pharmaceutical’s can get full value of Twitter and other social media platforms, without the risk, check out the social media archiving page.

FDA Cracks Down on Online Claims

The FDA is cracking down.

It’s been a tough year on the advertising front, at least for food and drug companies.  As part of an Obama-backed, pro-active approach to regulation enforcement, the Food and Drug Administration has been cracking down on product information and claims. As a result, a number of companies have received warning letters indicating that certain of their marketing claims on their websites are not compliant with the FD&C Act, particularly section 403(r)(1)(A).

Presumably, everyone supports the idea of advertising with integrity and honesty — but regulators and marketers often have differing views about what language is permissible.  What do the companies themselves say?  Many companies will probably object to the FDA’s statements. And that’s where PageFreezer comes in.

Not because we are lawyers (we aren’t), and not because we have any authority over the rules and regs of marketing claims (we don’t) — but because PageFreezer can provide defensible, accurate records that verify the exact online activity of any of our clients on any given day. This eliminates one man’s word against another and ensures that our clients have easily-accessible archives that can be viewed as if they were live.

Think it won’t happen to you?

In a modern claims-skeptical environment, many businesses will have to answer challenges about their marketing vocabulary, as was recently noted on a health news website. The same article quotes Ivan Wasserman, a Washington DC-based advertising and labeling attorney at Manatt Phelps & Phillips:

Even for companies working diligently to accurately communicate the health benefits of their products, it seems like it is becoming almost inevitable that if you have success in the market at some point you will find yourself defending a class action.

We have the tools you need.

PageFreezer is proud to offer an innovative solution to the pressing issue of regulation-compliant website archiving. We provide a digital timestamp and digital signature to each archived page, as required by the FDA’s 21 CFR Part 11 guidelines. So our clients have the security of defensible evidence when it comes to the contents of their websites.

The FDA and the marketing departments may disagree on the definition of acceptable advertising.  And no one can agree as to the motivations behind the endless litigation.  But everyone can agree on the benefit of reliable website record-keeping — brought to you by PageFreezer.

Going Gov 2.0? Keep it Legal

In the fast-paced, tech-based culture we live in now, many local governments are finding it essential to communicate and relate with the public on entirely new levels and in creative new ways. They want to be more accessible,more focused on problem-solving, and — perhaps most importantly — more interactive.

The Gov 2.0 movement is a result of this mentality, and now we have the mayor on Twitter, RSS feeds on the municipal website, and citizen-driven community improvement platforms on our mobile phones. Exciting and innovative? Yes. Somewhat intimidating? Yes, indeed.

Government agencies are jumping on board with all manner of citizen-empowering technologies, but not without some hesitation. The main concern for a government of any size when it comes to advancing technology is this: What are the legal risks associated with these innovations? Are we covering our bases in case of investigation or litigation? In the world where information is so easily disseminated and always changing, how can we maintain the integrity and perpetuity of our website?

Smart government agencies realize that their websites are public records, and are concerned with maintaining official archives as required by law. But how is that to be done efficiently given the complex, transitory nature of websites today?PageFreezer is providing the answer: regular online archiving of web pages that include a digital signature and timestamp to every page. Data integrity and authenticity are assured, the archives readily accessible for viewing anytime, and no installation or software involved.

Even for cities that have Flash files or other interactive media on their sites, PageFreezer is on the job. We can archive all content to be replayed at a later date, exactly as if it were live. Knowing that web pages are automatically stored in a manner compliant with record retention laws, government agencies are free to enter the cutting-edge world of Gov 2.0 without fear. They can focus on what’s really important – relating to and empowering citizens – while leaving the legal stuff to us.

Dustin Haisler, CIO, and Asst. Manager of the radically forward-thinking city of Manor, TX, employed PageFreezer in his recent Gov 2.0 Makeover of another Texas city that needed a push forward. Along with a website facelift, a handy citizen-reporting platform, and several other innovations, the city of De Leon, TX began archiving its online activity with PageFreezer to ensure compliance with all legal requirements. “Emerging social technologies allow us to interact with our citizens in very exciting and meaningful ways, says Haisler, who is a leading evangelist of the benefits of technology to local governments.However, legal constraints sometimes restrict our ability to experiment in these new channels of communication. Using PageFreezer, we’re able to not only experiment in these new channels but also stay compliant with record retention laws.”

Being aware of the legal implications of modern technological advances, and acting on that awareness, is an indispensable step in the process of becoming a dynamic, citizen-empowering government agency. It’s a step you can’t afford NOT to take. Let PageFreezer handle records retention, so you can get on with the business of interacting with and relating to the people of your community.

Social Media Tweet & Delete – A Not So Funny Case

Funnyman not laughing after Social Media Breach

Screen Shot 2015-08-06 at 2.26.53 PM

Law enforcement authorities in the UK are facing Tweet and Delete, Privacy and Data Protection controversies after placing a screenshot from their CCTV records on social media.

London’s National Police Air Service (NPAS) tweeted the following content to their social media platform of 124k followers.

The screenshot from their official records, featuring comedian Michael McIntyre, contained GPS coordinates and the time and was tweeted along with the caption: “Whilst tasking in central London this morning we spotted a certain energetic funny man… Can you guess who?”

The Tweet was deleted shortly after, but did not go unnoticed by the public, privacy lobbyists or UK Camera Surveillance Commissioner Tony Porter.

Though the NPAS claimed they were not infringing upon any privacy laws and merely deemed it “inappropriate”, this gives an example of the sometimes dangerous misuse of social media platforms by authoritative bodies with access to records of the public.

Without realising, we are constantly under surveillance, either visually or otherwise – but trust those in positions of power not to exploit such authority and disclose sensitive information needlessly. Placing information online and on social media without proper review, consideration or authorisation, can lead to legal compliance issues – not to mention jeopardising the privacy, safety and personal data of the individual in question.

When acts such as this occur, there is often the need for the ICO (Information Commissioner’s Office) to intervene. Under the UK Surveillance code, images should only be used for their stated purpose, which for the police is to tackle crime and anti-social behaviour. Content of this nature placed on the internet should only be shared in the public interest – and still commonly protect the image of the accused by pixelating certain details.

We have increasingly seen that governing bodies and agencies in the UK lack in proper social media archiving procedures and compliance policies – with 94% of organisations not currently archiving social media.

In severe cases, this may lead to the ICO taking enforcement action, and it has yet to be seen if McIntyre will do so. This instance does, however, leave many unsettling questions unanswered; such as the secure archiving of information, the end use of content placed by bodies on social media, expectations of privacy and more.

“Access to data that is captured by surveillance should be restricted – disclosure should only take place when it is necessary for law enforcement purposes. Public disclosure of anyone’s image for the purposes of fun is a clear breach of that,” stated Surveillance Commissioner Tony Porter.

Why Governments Need Website Archiving

Why Government Websites Should Be Archived?

Websites have become an integral part of every modern organization, including the government. Every day, a constant stream of information is being posted on the web. For governments, every data published is considered as a Public Record, which by law should be retained and disclosed to the citizens, whenever the need arises.

Public Records Laws, though it may differ per state, also mandates that public records be subjected to records management procedures and regulations issued by the state. This involves records retention and implementation of necessary safeguards against loss of records. For this reason, it is critical for government organizations to deploy electronic records archiving solutions to comply with these obligations.

Why is a Back-up not enough?

As government agencies increasingly use the web as one of their main channels in reaching out to citizens, they could in some way influence the actions and behavior of citizens and businesses. In effect, they can be held accountable for the information they disseminate on their websites. In general, any information published on a website has the same legal status as a hard copy of your documents.

Recently, disputes over website contents are on the rise. In case of a claim, a website can be used as evidence in court. Therefore, keeping a reliable back-up of all digital documents in your website is just as important as knowing what information has been delivered to your visitors. However, a simple back-up is not enough to pass as legal evidence in court.

To use digital documents in court, they need to comply with the Federal Rule of Evidence, specifically Rule # 901. This requires you to provide proof of data integrity and authenticity of each webpage you want to submit as evidence. Data authenticity means that you can prove that the web pages you present actually comes from your website and were online on a certain date. Data integrity, on the other hand, means that you can prove that the archived page has not been changed over time.

The following examples are to show how digital documents were not accepted as legal evidence in court:

1. Vinhnee vs. American Express

“In 2003, Vee Vinhee owed American Express more than $40,000 on his two credit cards. He filed for bankruptcy while American Express sued him to get him to settle the balances he owed. During the course of the case proceedings, the credit card firm presented electronic records of Vinhee’s monthly statements as evidence to the court. However, the court refused to accept these online records as evidence because the firm cannot prove authenticity of the records. AMEX appealed but lost the case in the end.”[1]

2. Lorraine vs. Markel American Insurance Company [2]

“The case of Lorraine vs. Markel American Insurance Company dealt with a lightning damage to a yacht owned by Jack Lorraine and Beverly Mack. During the proceedings, both parties offered email archives, backed up with hardcopies of the emails, as evidence to support their claims. Although both sides had no objections in presenting emails for evidence, Chief US Magistrate Judge Paul W. Grimm rejected the email submissions on the grounds that these documents did not comply with standards of the Federal Rules of Evidence.”[3]

3. Janssen-Ortho Inc. vs. Novopharm Limited [4]

“The suit involved a generic drug company trying to strike out expert witness evidence about drug tolerance. The expert’s affidavit merely referenced to a homepage link and did not specify nor attach any webpage to be presented as exhibits. Canada’s Federal court did not accept the affidavit as evidence on the basis that a hyperlink to a homepage was not sufficient to make the entire site and its contents as evidence.”

The PageFreezer Solution

With the right website archiving solution, you can protect your organization from violations and non-compliance issues with the Records Management laws. Regular archiving systems may be able to give you a daily backup of your website pages. However, they may not be able to provide your archive the integrity and authenticity it needs to qualify as legal evidence in case of a claim.

PageFreezer is an online service that archives your websites daily. It authenticates and maintains the integrity of your records by placing a digital signature and timestamp on each archived file. It uses certified atomic clocks to provide legal date and time.

PageFreezer also provides you with tools that allow for easy browsing and searching of your documents within your archives. More importantly, it provides you with the evidence that is important in court.

Learn more about Archiving for Government Agencies.

Helping with Compliance, Litigation


Thank you to Techvibes for an article about PageFreezer:

PageFreezer Archives Social Media to Help Companies with Compliance, Litigation

When the stakes are high, how do you prove to a judge or auditor that a webpage, social media post, or tweet from five years ago is authentic?

PageFreezer is a Vancouver-based company that provides ongoing website and social media archiving that keeps companies in compliance with regulations and in a position of litigation readiness with authenticated, legally admissible social media and website information.

Read more …

Government Website Archiving

Why Govt Websites Should Be Archived (PowerPoint)

Government Agencies are challenged more than ever before by electronic data laws and they need to ensure they are complying with all of the various legal requirements. Many data archiving options exist, but they do not stand up as legal evidence in court because they lack integrity and authenticity.

Why Government Websites Must Be Archived from