Managing your digital estate, Digital estate planning

 

How to safeguard online accounts, data in death

MOST PEOPLE have accumulated a pile of data – selfies, emails, videos and more – on their social media and digital accounts over their lifetimes. What happens to it when we die?

It’s wise to draft a will spelling out who inherits your physical assets after you’re gone, but don’t forget to take care of your digital estate too. Friends and family might treasure files and posts you’ve left behind, but they could get lost in digital purgatory after you pass away, unless you take some simple steps.

Here’s how you can prepare your digital life for your survivors:

APPLE

The iPhone maker lets you nominate a “legacy contact” who can access your Apple account’s data after you die. The company says it’s a secure way to give trusted people access to photos, files and messages. To set it up, you’ll need an Apple device with a fairly recent operating system – iPhones and iPads need iOS or iPadOS 15.2 and MacBooks needs macOS Monterey 12.1.

For iPhones, go to settings, tap Sign-in & Security and then Legacy Contact. You can name one or more people, and they don’t need an Apple ID or device.

You’ll have to share an access key with your contact. It can be a digital version sent electronically, or you can print a copy or save it as a screenshot or PDF.

Take note that there are some types of files you won’t be able to pass on – including digital rights-protected music, movies and passwords stored in Apple’s password manager. Legacy contacts can only access a deceased user’s account for three years before Apple deletes the account.

GOOGLE

Google takes a different approach with its Inactive Account Manager, which allows you to share your data with someone if it notices that you’ve stopped using your account.

When setting it up, you need to decide how long Google should wait – from three to 18 months – before considering your account inactive. Once that time is up, Google can notify up to 10 people.

You can write a message informing them you’ve stopped using the account, and, optionally, include a link to download your data. You can choose what types of data they can access – including emails, photos, calendar entries and YouTube videos.

There’s also an option to automatically delete your account after three months of inactivity, so your contacts will have to download any data before that deadline.

FACEBOOK AND INSTAGRAM

Some social media platforms can preserve accounts for people who have died so that friends and family can honour their memories.

When users of Facebook or Instagram die, parent company Meta says it can memorialise the account if it gets a “valid request” from a friend or family member. Requests can be submitted through an online form.

The social media company strongly recommends Facebook users add a legacy contact to look after their memorial accounts. Legacy contacts can do things like respond to new friend requests and update pinned posts, but they can’t read private messages or remove or alter previous posts. You can only choose one person, who also has to have a Facebook account.

You can also ask Facebook or Instagram to delete a deceased user’s account if you’re a close family member or an executor. You’ll need to send in documents like a death certificate.

TIKTOK

The video-sharing platform says that, if a user has died, people can submit a request to memorialise the account through the settings menu. Go to the Report a Problem section, then Account and profile, then Manage account, where you can report a deceased user.

Once an account has been memorialised, it will be labelled ‘Remembering’. No one will be able to log into the account, which prevents anyone from editing the profile or using the account to post new content or send messages.

X

It’s not possible to nominate a legacy contact on Elon Musk’s social media site. But family members or an authorised person can submit a request to deactivate a deceased user’s account.

PASSWORDS

Besides the major online services, you’ll probably have dozens, if not hundreds, of other digital accounts that your survivors might need to access. You could just write all your login credentials down in a notebook and put it somewhere safe. But making a physical copy presents its own vulnerabilities. What if you lose track of it? What if someone finds it?

Instead, consider a password manager that has an emergency access feature. Password managers are digital vaults that you can use to store all your credentials. Some, such as Keeper, Bitwarden and NordPass, allow users to nominate one or more trusted contacts who can access their keys in case of an emergency such as a death.

But there are a few catches: Those contacts also need to use the same password manager and you might have to pay for the service.

Related:

Digital Estate Planning: Protecting Your Digital Assets

Early planning under Bill: Lasting Power of Attorney (LPA)

 PETALING JAYA: The proposed Mental Capacity Act will empower Malaysians to plan in advance on the management of their property and legal decisions before they become mentally incapacitated.

Mental capacity generally refers to the ability of a person to make autonomous decisions and includes understanding and reasoning of information, said Assoc Prof Dr Nora Mat Zin, a consultant psychiatrist at International Islamic University Malaysia’s Kuantan Campus.

“Mental capacity can be affected by many reasons such as intellectual ability, brain damage, physical and mental illness. Chronic mental illness may complicate the cognitive ability and impair the thinking process,” she said.

As such, she said the Mental Capacity Act provides significant advantages for mentally incapacitated individuals concerning their estate and will.

She said the proposed Act would provide clarity and a legal framework to assess one’s capacity if there is a dispute among family members regarding the ability of the person to make a will or manage their estate.

“The disagreement between the concerned parties would also be resolved as the Act provides a path to court protection,” she said.

Lawyer Rajesh Nagarajan said unlike the Mental Health Act, where a court-appointed committee steps in only after someone is declared mentally incapacitated, the proposed Mental Capacity Act would allow individuals to take control while they still have the capacity to do so.

“With the proposed Act, people can appoint a trusted decision-maker through a power of attorney, ensuring their estate is managed exactly how they want it to be done,” he said.

On factors that need to be considered in drafting the Bill, Rajesh said the legislation should be laid out in plain language.

“It is crucial that anyone who needs to plan for their future can actually do so without having to interpret complex legal language,” he said.

ALSO READ: Psychological issues to be covered

He also emphasised on the need to ensure those entrusted with power are held accountable.

“There must be strong oversight mechanisms to prevent any misuse of power.

“The proposed Act should also allow for changes to be made based on differing circumstances.

“Finally, public awareness and education should be part and parcel of enactment of any legislation, especially a social legislation like this,” he added.

The Association of Women Lawyers (AWL) said a Lasting Power of Attorney (LPA) will be activated in the event a person becomes mentally incapacitated temporarily or permanently.

“This could be due to onset of dementia, Alzheimer’s or other illness affecting mental capacity. It could also be for a specific period after surgery or if treatment requires ventilation,” it said.

The person giving the LPA will be called the donor and the person appointed to be surrogate decision-maker is referred to as the “donee”.

According to AWL, the LPA would be lodged in the Registrar under the Court of Protection under the Mental Capacity Act.

This would be similar to what is currently done in Singapore and the United Kingdom.

AWL said the LPA allows for advance planning and thus will not compromise the affairs of the individual in the event of mental incapacity.

“Affairs here can refer to health, wealth and well-being.

“For children with impaired mental capability, their parents can plan for their future when they reach adulthood and are unable to plan for themselves,” it said.

“We must be reminded that the LPA is not just confined to persons with disability but also to everyone living in Malaysia who may face a period of mental incapacity.

“The challenge is that people may be unaware of the existence of the LPA and not understand its importance.”

As such, AWL is calling on the government to raise awareness.

“It is urgently needed to address the gap in our law, especially when Malaysia is reaching an ageing population status by 2030.”

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Psychological issues to be covered in new Bill

Our upkeep culture needs a lift

 

Two boys were lost for hours – and were found in a lift after nine hours. Why did no one know? Or even bother about a stuck lift?

I WAS a rookie reporter when I was called to the now-condemned Pekeliling Flats in Kuala Lumpur – on the eve of Deepavali.

A man had been waiting for the lift. It was pitch dark as the lights were all out and the maintenance was very poor. He pressed the lift button and the door opened.

Assuming the lift was there, he stepped in. There was nothing but thin air. The man fell more than a dozen floors, and no one knew about it until a guard on the ground floor heard some moaning.

He checked. The man had survived the fall but he broke both his legs and many bones. If he had died, they may not have found him for days!

Immediately after the tragic accident, there was an outcry over how flats in our country needed proper upkeep and maintenance. And the leaders stepped in, promising changes. City Hall also promised improvements.

But then, there is this Malay saying: “Hangat-hangat tahi ayam.” Things soon cooled down and the matter was forgotten.

The Pekeliling Flats are gone now, and the area is about to be developed into a prime commercial centre. But one thing has not changed – our maintenance culture, or the lack of it.

On Monday, two boys aged 10 and 11 went missing. One of the boys, according to his aunt, had left his home at the Desa Petaling Flats at about 2pm to buy buns and meet his friend living at the nearby Pangsaria Apartments.

When they had not returned home at 10pm – eight hours later – the families got worried. Frantically, they put out alerts on social media. They also lodged police reports and a search was mounted. They searched, and so did the cops.

It was at 1am, some three hours later, that a security guard checked the CCTV and realised the boys had actually been trapped in a lift. They had been there for about nine hours and no one had known about it.

The boys said they had tried to call out, but no one replied or came to their rescue. It’s a good thing the boys were just exhausted, hungry and sleepy when they were finally rescued, with nothing more serious happening to them.

But what if something serious had happened? Who would take the blame?

What boggles the mind is: Why did no one know that the lift had been stuck for nine hours?

Did no one else need to use it for the full nine hours? Or have the residents got so used to the lift breaking down? This happens often in many flats, where “out of order” notices are hung outside lift doors.

After more than 40 years since that Pekeliling Flats incident, our maintenance culture still sucks.

In June this year, a video of a man carrying his wheelchairusing grandmother up the stairs at the flats where they live went viral. All four lifts in the flats in Setapak were out of order.

The man said he had complained to the apartment management and technician, but nothing was done. That is how bad things are.

Of course, in many cases, the residents themselves are to be blamed. They just do not care about the upkeep of the facilities they use.

The two boys, for instance, were no angels. But they exposed both problems – vandalism and apathy.

First, the two – for some unknown reason – stuck a slipper in the lift door, causing it to go into auto-lock mode. And then, while they cried for help, no one cared about a lift that was stuck for nine hours.

Like the boys, many residents in flats around the country find joy in vandalism, damaging the buttons, doors and electrical equipment.

There are 159 People’s Housing Programme (PPR) projects with 99,000 housing units nationwide. If each unit housed between four and five people, we are talking about close to 400,000 people who are using lifts every day.

In Kuala Lumpur and Selangor, there are said to be about 150,000 PPR residents. There are already many other social problems in these flats, including a lack of cleanliness, gangsterism and drug use.

They don’t need broken down lifts as well.

Residents in Kepong, for one, have long been complaining about faulty lifts at their PPR flats. They even resorted to writing to the King.

“We commonly hear about PPR lifts breaking down all around the country and in many cases, it is the lack of spare parts that causes downtime,” said an annoyed Kepong MP Lim Lip Eng.

“Why has the availability of spare parts to repair lifts not been made a priority?” he asked. Why indeed?

All local councils need to have spare parts parked somewhere central, along with technicians who can reach the flats quickly when called.

Then, there is cronyism in the choice of contractors, which leads to incompetent people getting the maintenance jobs.

In the case of the flats in Kepong, a contractor had failed to replace six of the lifts, say residents. Yet, the same contractor was re-appointed to replace 32 lifts across 12 blocks of flats there. Who made that call?

The Malaysian Elevators and Escalators Association (yes, there is such an organisation) agrees that the poor choice of contractors by management committees was the main reason for the problem. “They just want to save costs and do the minimum maintenance,” it says.

And why do they do that? Because there are residents who do not pay management fees, forcing the committees to cut corners. It is a vicious circle.

It is important that everyone plays their part. The government has set aside Rm100mil for flats maintenance, but that is simply too little. Preventive maintenance must come from the residents themselves.

DORAIRAJ NADASON newsdesk @thestar.com.my

 

 

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