Decipher uses specific roles to identify applicants, guarantors, owners, officers, contacts, vendors, etc. as well as Decipher users for security purposes and for the purposes of sending documents. You will find detailed descriptions of each role below.

Primary Contact - The main business owner that applied for a finance facility on behalf of the applicant company.

Decipher automatically assigns the main business owner that applied as the Primary Contact. In the majority of cases, applications are submitted by one main business owner. Decipher users have the option to change the owner/officer roles at any time. The majority of emails and document templates are sent to the Primary Contact so most Email template categories are set as a default to go to the Primary Contact. This is done for security purposes and to limit the ability to view sensitive documents and agreements as well as sign them by unauthorized persons. 

Who is typically the Primary Contact? It is usually the one business owner who will be signing the main agreements between the lender and the company. There may be other guarantors, but there is usually only 1 Primary Contact. A primary contact must be assigned to an application at all times. If you wish to change this role to a different business owner, change the primary first and then proceed to changing the others to guarantor, contact, etc. 

Guarantor - Any secondary business owners or designated guarantors. These individuals must be assigned in Clients for each Application for security purposes.

Once a secondary business owner or guarantor is designated in Decipher, documents and emails can be sent to these individuals, also for signature. However, an Email template must be set up in advance to be sent to guarantors so that documents designated for the role of Guarantor can be viewed and signed by these individuals. For signature documents, a separate email address is required from that of the primary contact for digital signature to be used for security purposes.

Contact - Any contact at the company applying for a finance facility that is not a Business Owner or Guarantor.

Partner/Broker/Collaborator/Participant - A lender's partner or broker who typically works outside of the lender's company.

User - Decipher system users (lenders and their employees).

Vendor/Customer - the Applicant's vendors or customers.