Ever wondered what will happen to your e-mail and social networking accounts after you die? Who will get to own your Gmail or Yahoo! account and who will get possession of your photos and videos on Facebook, Google+, and YouTube? Will your legal heir get access to your net banking and trading account?
Pavan Duggal, a leading lawyer, gives examples from a recent case he handled. A writer passed away without sharing details of his email account, which had his unpublished work, with his family. In his memory, the family wanted to publish the work but couldn’t access his emails. When they approached the service provider, it refused to grant access. Most online services do not share account details and passwords to legal heir or relatives. They also reserve the right to deactivate and delete the account if they don’t detect activity for a certain period.
HOW TO GO ABOUT TRACKING DIGITAL ASSETS
- Make a list of assets. Search for these in computers and mobile phones
- If username or password is in writing, change it immediately
- If there are no details, contact the service providers
- If the websites seek court order, move the court of a competent jurisdiction
- Follow the proceedings persistently, as the succession certificate takes time
- If service provider refuses access, file a case
If a person passes away without sharing the account details and password, the only possible way is to approach the court. Increasingly, service providers are considering court’s succession certificates and letting the legal heir access accounts of deceased, says Duggal. Getting the certificate, however, takes almost a year. This means, by the time the family would have got access to the email, there is a possibility that the account is inactive, deleted or its data is pruned…
Not making provisions to share account details after one passes away can have repercussions. There could be essential financial information locked away. The deceased might have online financial accounts with money or credits left over.
E-MAIL & SOCIAL NETWORKING
Google: The company has a feature that lets users designate how they would like their accounts to be handled after death. It’s called Inactive Account Manager. A person can choose to have the data deleted after a particular time period, say after six, nine or 12 months of inactivity. Or he/she can select trusted contacts to receive data from Google services. Some of the popular ones among these include Drive, Gmail, Google+ and YouTube. Before the company’s systems take any action, a warning message is also sent to the registered cell phone and secondary e-mail address.
Facebook: This social networking bellwether offers a completely different option. A deceased user’s page can be memorialised, letting family and friends leave messages of remembrance. This can be done by providing proof of death of the account holder to the company.
Twitter & Yahoo!: These companies work with a person authorised to act on the behalf of the estate or with a verified immediate family member of the deceased to have an account de-activated…
OTHER ONLINE SERVICES
Like Google’s Inactive Account Manager, there are many online services that offer a similar facility for multiple online accounts.
Cirrus Legacy: A person can nominate guardians to protect a digital legacy, by carrying out wishes in the event of death. When the person passes away, the guardian can access the usernames and passwords of the person and take whatever action they have specified.
Dead Man’s Switch: This service lets you write e-mails and choose the recipients. These e-mails are stored securely. The person receives regular e-mail from the company, asking him or her to show that they are fine by clicking a link. Such a check mail is sent more than once; 30, 45 and 52 days after the person’s las log-in. If the accountholder does not respond to messages, the intended e-mails are sent after 60 days. There’s a free as well as paid plan.
SecureSafe: This is primarily a secure online storage website that allows data to be shared in case a person passes away. However, the sharing does not automatically happen. The account holder needs to specify one or more persons to be ‘authorised activators’, who will initiate the process. The service has a free and four paid plans…
To continue reading this excerpt from The Business Standard Guide to Succession Planning, go here: https://goo.gl/jTa2IU