Section 22
of Electronic Transactions Act
Section 22
Unless otherwise provided by any rule of law or by contract, a person relying on a digitally signed electronic record assumes the risk that the digital signature is invalid as a signature or authentication of the signed electronic record, if reliance on the digital signature is not reasonable under the circumstances having regard to the following factors —
(a)
facts which the person relying on the digitally signed electronic record knows or has notice of, including all facts listed in the certificate or incorporated in it by reference;
(b)
the value or importance of the digitally signed record, if known;
(c)
the course of dealing between the person relying on the digitally signed electronic record and the subscriber and any available indicia of reliability or unreliability apart from the digital signature;
and
(d)
usage of trade, particularly trade conducted by trustworthy systems or other electronic means.