Legacy Tips #5-9: 5 ways to make sure your digital life is not locked up online (podcast)

facebook_digital_afterlife_what_happens_when_someone_diesAway For A Bit spoke with Damien Carrick on ABC Radio National on legal and practical considerations for managing a digital afterlife and legacy.

Gaining access to an individual’s online accounts (social networking, email) after they die is often impossible, although in some cases, next of kin have fought for access via the courts. As the podcast demonstrates, they do not always win.

Here are five recommendations from the podcast to avoid your digital life from being locked up online.

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Planning messages from the beyond

Including messages as part of estate planning for next of kin and/or other family and friends can provide tremendous comfort for those mourning the loss of someone they love. It’s important however that these personal messages are not executed casually.

Leaving behind a carelessly written note or one that has been recorded in haste can result in emotional fall out for relatives or friends already dealing with loss. It can also have legal ramifications for how the estate is later administered, leaving a will vulnerable to contestation which in turn results in considerable delays and potential costs for named beneficiaries.

This two-part feature will cover the offline and digital options in planning post mortem communications as well as considerations to avoid legal pitfalls.

What digital services exist to incorporate message giving as part of estate planning?

With the emergence and increasing reliance on the internet and digital services, it’s not surprising that there are many new online offerings catering for the digital afterlife.

There are several which help users do an audit of and manage their digital accounts and many of these already offer additional service components which enable someone to add personal messages for their next of kin or intended estate recipients.

Fred Schebesta, co-founder of finder.com.au, an online financial services comparison website points out that the choice of online apps and services is wide ranging.

“Facebook apps like IfIDie.net allow you to leave a personal message on your Facebook if you were to die. When signing up for the app you designate three participating friends who will let the app know when you pass away, which then prompts it to release your pre-recorded message,” says Schebesta. “There’s even a startup called Eterni.me that’s developing a service where you can create an online avatar that your loved ones can interact with.”

New services such as Eterniam provide access to digital assets to next of kin, family or friends as designated by the account owner. Parvez Anandam CEO for Eterniam says, “these digital assets can be photos, videos and important documents including both important legal ones as well as deeply personal ones such as letters to loved ones.”

Another recent digital afterlife start up, Passing Bye, offers users the option of assigning private messages and journal sharing to their nominated kin. With the Last Private Message feature, account holders can convey thoughts and notes that are sent to recipients as simple written messages. If a member is looking to include more, they can set up a journal entry or series of entries that can include photos and videos with text.

All these digital services will work using a fee structure, generally requiring an account holder to pay monthly or annual tariffs although in some cases they may include an option for the user to pay a one time lifetime fee.

For someone doesn’t want to pay for a service, the Facebook afterlife app ifIdie.net and many of these aforementioned companies also offer basic free services to accompany their premium offerings. They are often provided as a sample to entice subscribers to upgrade.

Another option for regular or avid Google users is Google Inactive Manager, a free service for account holders. Its objective is to encourage users to plan what happens to their Google data after death and includes a private written message option as part of the nomination or destroy process. This feature is available even if the user decides that all data is to be destroyed by the service provider. The downside to using this service is that Google will send messages and follow afterlife instructions only after a timeframe of at least three months. As a result, Google Inactive Manager will not be of benefit for messages that are time sensitive or include information that next of kin require immediately. How to sign up to Google Inactive Manager.

Important legal and practical considerations

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Credit: Shho

 

As I’ve previously emphasised, it’s very important with any digital offering supporting your estate management efforts, that you understand their terms and conditions. This article gives a good summary on things to consider when signing up to a digital afterlife service but some questions to ask and think about when doing your assessment include:

 

  • How are they managing your data and what are your privacy or legal rights?
  • Under what conditions will the provider share your data with third parties?
  • What will happen to your information if the service expires before you do? Will they make good on delivering your messages or refund your membership fee if they fail to action?
  • How do nominated next of kin, friends and family receive instructions after your death? Does it suit your online lifestyle?

With courts recognising informal documents such as notes, emails, letters, video as having legal standing, another key aspect to think about carefully is what to include in post-mortem messages intended for next of kin, family or friends. Even if your intent is good, by leaving a personal message you may raise a recipient’s expectations or sense of entitlement relating to an inheritance and risk the potential of your estate instructions being questioned after death.

Darryl Browne, Solicitor at Browne-Linkenbagh explains that there has been a 60 per cent increase in claims over the last decade in Australia largely initiated by people who have been acknowledged within informal documentation by a deceased party which has later been used to contest the deceased person’s will.

“When you make declarations that are wrong, that overly inflate a person’s worth to you or are inflammatory when recording last wishes, it can be counterproductive,” says Browne. “If a will is contested, claims will take two or more years to be resolved and can have significant emotional, legal and financial implications for the intended beneficiaries of your estate.”

Kay Lam-McLeod, IT Lawyer from IdeaLaw agrees. “Remember that if your will is challenged, the estate will get hit with legal fees and it holds up distribution. So the people you want to leave your inheritance to are the ones who will suffer as a result.”

NEXT: What to think about when planning digital and offline post-mortem messages to avoid legal complications for beneficiaries.

Messages from Beyond

Digital afterlife messages from beyond

Ben Earwicker, Garrison Photography

I love reading through and reminding myself of the messages received from DBS after he died. When I say that, I don’t mean ‘other realm’ kind of messages delivered by a psychic or similar. Instead, I’m referring to handwritten notes or cards written by him and addressed to me which I received after his death.

They provided tremendous comfort and still do. Which has made me think about how I should leave messages to friends and family for when my time comes. It’s not an easy thing to think about but if you’re making a digital will that addresses practical items such as password transfer to next of kin or instructions on what to do with your digital information, including a personal message with this information may be a logical next step.

 

Messages from DBS

In previous posts, I’ve mentioned that my brother preferred committing thoughts down by pen and paper as opposed to using email or social. We weren’t reliable communicators but despite this, I received multiple messages from him over a period of several weeks after he died.

The first message I received from DBS was two days after his death. Sitting in my mailbox, was a postcard that had been sent several weeks previously but took its time to arrive because he’d sent it from a very remote overseas location. Later there was the card he’d scrawled to me in Afghanistan but that he hadn’t had a chance to send which came back with his personal effects.

Months later when sorting through his papers at home, I came across his ‘unofficial’ will, a piece of dated A4 paper in his beautiful, black ink writing stating his intention for his estate. While mostly formal in nature, he’d included a personal message to me. I was touched and moved for days afterwards.

Finally, his diary revealed what I hadn’t been able to discover from Google because of their stance they took (at that time) of not sharing an account holder’s data with next of kin without going through legal proceedings. When DBS died, one of the first things I wanted to know at the time and eventually obsessed about, was whether or not he had read my emails that I’d sent to him while he was stationed in Afghanistan. Somehow, not knowing if he had received them meant that they started to represent something more significant for me; whether or not he knew that he was in my thoughts and that I loved him.

When I eventually brought myself to read his diary months later, I saw an entry dated 21 October that opened with…. ”Today, I received another lovely email from Emily….”

Words cannot describe how I felt at that time. It seemed as though I had received a personal answer from him to the question that had hounded me for a significant period of time.

Learn how to transition your email and personal data to next of kin using Google Inactive Manager.

Things to consider when working with digital services offering to send messages to loved ones

DBS hadn’t planned the way in which I received messages from him after he died with the exception of his handwritten will. I feel fortunate though that I received them and the emotional benefits are unquantifiable. On each occasion, his notes gave me a real sense of happiness and I almost felt as if he was visiting me in some way. I still glow when I think about them and value these mementos.

For anyone considering estate planning, I’d recommend including this kind of personal touch for friends and family for conveying love and providing comfort.

Given my own experience, I’m a fan of planning with handwritten notes however, there are now a wealth of digital services that you can work with to leave messages for loved ones with. A note of caution though. If you plan to go digital, check with the company to check their stability and financial status. A few companies I’ve researched from 2007 have been acquired or simply shut up shop, such can be the fleeting, temporary nature of digital. Also beware of the organisations that don’t have a long term vision or plan for their business. You want to be confident when signing up to a service that it will comfortably outlive you and honour your wishes in the future.

In all dealings with companies assisting you with digital afterlife services, I’d suggest researching with the following questions in mind:

  • How long is their commitment to providing digital services? Are they thinking day-to-day terms or over fifty years, hundred years?
  • What is their financial status?
  • What will happen to customers’ planning services in the event that they fold/are acquired?
  • Where how/will they share your final message? If it’s via a third party social networking platform, what happens to your message if the platform no longer exists?

It’s a new digital realm so it’s wise to do your background research. And spend some time understanding terms and conditions, particularly around what kind of jurisdictional rules may apply to you from a legal perspective and on what basis the company will share private data.

If you’re not confident about a digital service, do your own video recording and give it to your solicitor or a close family member or friend to look after while attending to your estate planning. It doesn’t have to be complicated. Based on my own experience, a simple handwritten note placed somewhere safely or with someone can make all the difference to those left behind.

NEXT ON THIS: DIGITAL AFTERLIFE MESSAGE SERVICES

How to keep passwords confidential while bequeathing them to your next of kin: digital services

 

digital_afterlife_password_security

Copyright: Asif Akbar

A legal representative such as a solicitor or lawyer can act as a third party confidant in helping you plan a digital afterlife and privately keep your passwords on file for next of kin. There is also an increasing number of digital afterlife and secure online password services that will help you assign important information such as bank or legal documents to nominated beneficiaries as well as release usernames and passwords according to your instructions.

These can be more convenient for people who are active internet users changing passwords several times a year across multiple accounts. They allow users to automatically access and update their information whenever they want without the need to work through another person. This is useful if someone has to respond quickly to a bug or security threat.

There are other advantages too. Online services concerned with passwords and passing on digital legacies are varied in what they offer but generally speaking, they aim to centrally manage multiple sources of data in one place. Many include a decent amount of storage for the account holder to organise photos, memories, notes and documents with friendly user interfaces for viewing and downloading. On the whole, they encourage users to think in a structured way about doing an inventory of their online life and the digital legacy that they’d like to share.

When doing your research, it’s worth fully understanding how the service will verify when it is time to share your confidential information. Because of their nature, digital afterlife services are often automated and take a variety of approaches to ascertain if someone has died and if their data should be passed on. Some such as Google Inactive Manager provide information to next of or nominated kin if the account holder hasn’t logged into the service for a period of time. Others, will send prompts, such as emails or texts to customers periodically, asking them to confirm that they are still alive. If there’s no reply, these companies will often do additional checks to establish if the account holder is deceased before finally distributing information to next of kin.

If you don’t check in with or respond to this kind of service within your agreed time period, you may end up sharing information before it’s time, something that will be distressing, awkward and have security implications for you. Ensure that you fully understand the terms and conditions as well as the style and format of communication this kind of service has – both with you and your next of kin.

Also, make sure that your digital service fits in with your lifestyle. If you are not likely to check in regularly with a service that relies on you to do so, either because you don’t spend a lot of time online or you’re unlikely to remember, this type of offering won’t be a convenient option. Similarly, a digital legacy plan that operates by sending a series of electronic prompts asking you to confirm that you are alive won’t work for you if this type of communication bugs you.

Given that the digital afterlife industry is still an immature one, I’d recommend that you find out what the financial status or longer term vision is of the organisation that you’re considering. There have been a few mergers of late. Entrustet was acquired by SecureSafe and more recently PasswordBox bought LegacyLocker. Shifts happen in any industry but it’s worth asking any potential company that’s going to be charged with your digital legacy, what its longer term goals are and how it is going to support them. What are its contingency plans for your data if it expires before you do?

Finally, it’s worth re-iterating that you should check terms and conditions to fully understand what you’re subscribing to, what your responsibilities are when using the service as well as the service provider’s accountability to you. According to Damin Murdock, Principal Lawyer for MurdockCheng Legal Practice, the main benefit of storing your digital estate with a lawyer as opposed to an online platform is that the client will have the comfort of knowing a law firm has a succession plan and is bound by strict rules, regulations and statutory duties. With an online platform, you are only bound by terms and conditions of use for the online platform. Be clear what kind of jurisdictional rules may apply to you and what its commitment is to you and your data.

What digital services exist to manage and transition passwords and other important documentation to next of kin?

How to give someone access to your Google email and data; manage your digital afterlife

Google Inactive Manager is a recent introduction by Google to allow account holders to share their email and data with a nominated next of kin or friends after they have died or have stopped using Google services. A previous post looks at the pros and cons of using Google Inactive Manager and why you might want to do so. Here’s a step by step guide to help you this up this function…

Setting up Google Inactive Manager

Go to your Google homepage, click on your profile or avatar picture at the top right hand side of the page and select ‘Account’ after your name. You’ll need to be logged in to set up this feature.

Once in your ‘Account’ page, select the ‘Data tools’ option at the top of the page and then click on ‘Set up Inactive Google Manager’.

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You’ll be presented with the Google Inactive Manager dashboard. Click on ‘Set up’ to get started.

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First you’ll need to provide a mobile phone number. Click on the ‘Add mobile phone number’. The system is intuitive so it doesn’t matter if you type in a zero after the country code or leave spaces between numbers.

Once done, hit the ‘Send verification code’ button – it should send a code to your phone via SMS which consists of a series of numbers or letters and numbers. Add to the ‘Verify number’ box which appears and click ‘Confirm’.

You can also add another email address to receive updates or alerts at this point.

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Once you’ve provided your contact details, select a timeout period on the Google Inactive Manager homepage. This means the length of time that you leave your Google account inactive, i.e. the period during which you do not log into Google for email, search, Google+, Drive or any of the Google tools. The minimum period is 3 months, the maximum period is 18 months. Think of the feature you most commonly use on Google and base a time period around that.

Remember though, Google only knows that you’ve used your account if you have logged into your account. If you use Google search everyday but are not signed in then you check your email every six months which you have to sign in for, Google will register the six month email activity on your account but not the search.

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Next, select ‘Add trusted contact’. You can nominate up to 10 contacts who will have three months to download your data once the account is inactive. Here’s where you can enter the email details of the person(s) you nominate to receive your data. Check the ‘Share my data with this contact option’ to ensure that they are able to receive the data later. If there is someone that you don’t want to have access to your email or other Google data but would like to send them a message, you can add a note for them at this point which the recipient will receive when the timeout period has finished.

 add trusted contact

Select the Google data that you would like your nominated person(s) to download. As well as making sure your contact details are correct, you’ll need to verify the correct phone number for your nominated contact(s). You’ll also need to update your contact’s mobile phone if this changes over time so that they will be able to access your account once it has become inactive. You can pick and choose what your nominated contact(s) will be able to download and access.

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After hitting the ‘Next’ button, you’ll be taken to a page where you can leave a message for the person you’ve nominated to receive your Google data. While setting up Google Inactive Manager is practical, the message doesn’t have to be. It’s a good opportunity to leave a thoughtful message behind for someone who is grieving. What would they want to hear? Anything you want them to know? What you say could make a difference to them.

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Google Inactive Manager also allows you to set up an auto-response to incoming email once your Google account has become inactive.

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Lastly, you decide what happens to your Google account once your outlined actions have been completed. Would you like the account to be deleted? Google Inactive Manager includes this option which will also remove any public comments/data you have, for instance on YouTube or Google+.

opt_delete_google_account_digitalafterlife_deathOnce you’ve hit ‘Enable’, your Google settings are confirmed. Remember, you are able to update your settings at any point. Visit this earlier post on things to consider when setting up Google Inactive Manager.

Things to consider when setting up Google Inactive Manager

Google Inactive Manager is a recent introduction by Google to allow account holders to share their email and data with a nominated next of kin or friends after they have died or have stopped using Google services. A previous post looks at the pros and cons of using Google Inactive Manager and why you might want to do so. Here are some additional things to think about when setting this up this function…

Google’s decision to make a user’s private data available to people they have nominated is a positive one, especially if users are considerate in how they manage their settings, balancing their privacy v. providing information that would be practical or of comfort in some way, to their friends and relatives.

Having trialled this feature recently, here are some considerations if you decide to take advantage of this function.

Google Inactive Manager allows you to decide what Google features and data your next of kin/family members/friends can download in the event of your death.

Think about what you want to share. You may want to reveal data from your blog or Google+ circles to those you’ve nominated but not your email. When signing up, there’s a full checkbox list of Google features. Just check the information areas that you would like to disclose.

With this kind of digital estate planning, tell your closest kin what you are planning to do and what information you’ve nominated. This way you can discuss what your decision means and there are no surprises later in the event that something happens to you. On a purely practical note, your Google account needs to be inactive for at least three months before your nominated party can download your data. Discussing the steps that you have taken with them means that they may avoid running around in administrative or legal circles trying to obtain this account information in the meantime.

Google Inactive Manager only applies to gmail accounts – i.e. your nameorxxxx@ gmail.com

Email accounts hosted by Google but which are instead Gmail accounts with Google Apps (for instance, a business email address), are not supported by this service. For a Google Apps account, you’ll need to consider an alternative means of sharing data, for instance by setting up someone you trust as an admin on your account. If you have set up multiple personal Gmail accounts (i.e. name@gmail.com) you can set up Google Inactive Manager for each of these.

Google Inactive Manager will set into action if you stop using Google and don’t make the service inactive again.

It’s important to check in and update this service regularly to ensure that it is reflective of your digital afterlife wishes.  Your next of kin or the friends you want to nominate may change over time as may the level and type of information you want to share.

You can choose more than one person with whom you share your data. It’s not immediately obvious but if you wish to change the Google information that your previously nominated friends/family can download, click on the edit symbol (the pencil) next to their name. There’s also the option of deleting their access status if you change your mind later.

Online service providers change and go out of business as I’ve written about before. Google’s Gmail is showing no signs of abating, however, if you do decide to use another email service and discontinue using Gmail, make sure you deactivate Google Inactive Manager otherwise you’ll be sharing information before it’s time. A false alarm would be awkward, upsetting… and have privacy as well as security implications.

Google Inactive Manager offers the option for you to provide a posthumous message to your closest friends and family

There are lots of services that will charge a fee for you to send a personalised message to loved ones after your death.

When you set up Google Inactive Manager and nominate the family and friends you would like to share your email or other Google data with, you are able to include a personalised message for each nominee which they will receive once the service is activated. It’s free and part of the opt-in process.

While Google Inactive Manager serves a practical purpose, use this message to say something thoughtful. It really will make a difference.

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