Terms and conditions (ToS) are what a customer agrees to (and are linked on your website) when they create a new account by checking a box. Although it also mentions a waiver here, it is NOT associated with the waiver from Xplor Growth. No signing happens on Mariana Tek, just the checkbox.
If you create a waiver through Xplor Growth and email it to the customer after account creation, they can sign it there. They can sign it on their mobile device. This waiver syncs with Mariana Tek and will show on the customer's account under personal information
If a customer has not signed the waiver, an exclamation point next to their name indicates that there is an outstanding waiver. This appears only if the waiver is required and the customer has not signed. If there is no outstanding waiver, check the Terms of Service or Privacy Policy.