1. A computer-implemented process of accepting electronic signature from user that is personalized using formatting options, comprising: using a computing device to perform the following process actions: capturing signature text from user which are formatted using formatting options; marking the user action as electronically signed; alerting user via alert communication methods of user choice that can include email, text message, voice message, voice call, SMS, audible alarm, visual clues; logging the user action, process steps and its outcome;