Financial Digital Assets:
- Cryptocurrency (Bitcoin, Ethereum, etc.)
- Online bank accounts
- Digital payment wallets (Paytm, GPay)
- Trading accounts (Zerodha, Groww)
- Online investment platforms
- PayPal, international accounts

Communication Accounts:
- Email (Gmail, Outlook, Yahoo)
- Messaging apps (WhatsApp, Telegram)
- Social media (Facebook, Instagram, LinkedIn)
- Video platforms (YouTube)

Digital Property:
- Domain names
- Websites and blogs
- Digital photos and videos
- eBooks and music libraries
- Cloud storage (Google Drive, Dropbox)
- Software licenses

Online Presence:
- Gaming accounts
- Subscription services (Netflix, Spotify)
- E-commerce accounts (Amazon, Flipkart)
- Loyalty programs
- Professional profiles

Monetary Value:
- Crypto portfolio: ₹Lakhs to Crores
- Domain names: Can be worth thousands
- YouTube channel: Ad revenue stream
- Online business: Significant asset
- Digital artwork/NFTs: Variable

Sentimental Value:
- Family photos in cloud
- Email memories
- Social media history
- Digital creations

What Happens When You Die:
- Accounts become inaccessible
- Crypto keys may be lost forever
- Subscriptions keep charging
- Accounts may be hacked
- Digital memories lost
- Financial assets unclaimed
- Privacy compromised

Cryptocurrency Loss:
Estimated $140 billion in Bitcoin 
"locked" due to lost keys/owner death

Account Access:
Families struggle to access:
- Email for important documents
- Social media memories
- Online banking

Ongoing Charges:
- Subscriptions continue
- Services keep billing
- Until card expires

No Specific Law:
- No dedicated digital asset succession law
- General succession principles apply
- Contract law (Terms of Service) matters
- Cryptocurrency status: Regulatory gray area

Apply:
- IT Act, 2000 (some provisions)
- Indian Succession Act (general)
- Contract Act (ToS agreements)

Platform ToS Often State:
- Account is non-transferable
- Dies with user
- Company can delete
- No right to access

Reality:
- Platforms have memorial/legacy options
- Legal heirs may have some rights
- Varies by platform

Create Complete List:

Financial Assets:
Account | Platform | Approximate Value | Access Method

Crypto:
□ Bitcoin wallet - ₹X,XX,XXX
□ Exchange accounts
□ DeFi positions

Investment:
□ Trading apps
□ Mutual fund platforms
□ Digital gold

Payments:
□ UPI apps
□ E-wallets
□ International payment accounts

Non-Financial:
Account | Platform | Purpose | Value Type

□ Email accounts
□ Social media profiles
□ Cloud storage
□ Subscription services
□ Gaming accounts
□ Professional platforms

For Each Account, Record:
- Username/Email
- Password (securely stored)
- Security questions
- 2FA method
- Recovery email/phone
- Associated devices

DO NOT:
- Keep in regular document
- Share openly
- Store unencrypted

Options for Storing Access Info:

Password Manager:
- LastPass, 1Password, Bitwarden
- Share access with trusted person
- Emergency access features

Physical Safe:
- Written record
- Bank locker
- Fireproof safe
- With lawyer

Digital Vault:
- Encrypted file
- Master password with trusted person
- Instructions for access

Include in Will:
"I bequeath all my digital assets, including 
but not limited to:
- Cryptocurrency holdings
- Online accounts
- Digital files and data
- Domain names
To [Name], who shall have authority to 
access, manage, close, or transfer these 
assets as they see fit."

Specific Instructions:
- What to do with each type
- Delete vs. memorialize decisions
- Access to content for heirs

Digital Executor Role:
- Access all digital accounts
- Manage as per instructions
- Transfer valuable assets
- Close unnecessary accounts
- Preserve memories
- Handle ongoing services

Choose Someone Who:
- Is tech-savvy
- You trust completely
- Will outlive you
- Can handle responsibility

Crypto Challenges:
1. Self-custody = No bank to contact
2. Lost keys = Lost forever
3. No "forgot password" option
4. Decentralized = No authority
5. Volatile value
6. Tax implications

Options:

1. Exchange Custody:
   - Keep on regulated exchange
   - Nomination possible
   - Less secure but accessible

2. Hardware Wallet:
   - Seed phrase backup
   - Store securely
   - Clear instructions

3. Multi-Signature:
   - Requires multiple keys
   - Distribute among trusted parties
   - Prevents single point failure

4. Cryptocurrency Trust:
   - Professional management
   - Clear succession
   - Legal structure

CRITICAL:
Seed phrase = Access to all funds

Storage Options:
1. Metal backup (fire/water proof)
2. Split across locations
3. Bank locker
4. With lawyer (sealed)
5. Shamir's Secret Sharing (technical)

DO NOT:
- Store digitally (can be hacked)
- Email to yourself
- Store only in one place
- Tell anyone unnecessarily

Create Guide Including:
□ What cryptocurrencies you own
□ Where they're stored
□ How to access (without revealing keys)
□ Current approximate value
□ Instructions for conversion
□ Tax implications
□ Intended beneficiary

Inactive Account Manager:
- Set up at myaccount.google.com
- Designate trusted contacts
- Auto-share after inactivity
- Set timeout period (3-18 months)
- Can auto-delete instead

Setup Steps:
1. Go to Google Account settings
2. Find "Inactive Account Manager"
3. Set timeout period
4. Add trusted contacts
5. Choose what to share
6. Decide on account deletion

Legacy Contact:
- Settings > Memorialization Settings
- Choose legacy contact
- Can manage memorial page
- Or request account deletion

Options After Death:
1. Memorialize (freezes account, adds "Remembering")
2. Delete permanently
3. Download data (legacy contact)

Similar to Facebook:
- Memorialization available
- Deletion on request
- Proof of death required

Request Process:
- Through help center
- Death certificate needed
- Relationship proof

Memorialization:
- Contact LinkedIn
- Provide death certificate
- Profile removed from public view
- Or fully deleted

Legacy Contacts (iOS 15+):
- Add in Settings
- Generates Legacy Key
- Contact can access after death
- Photos, messages, etc.

Digital Legacy:
- Set up in iPhone settings
- Up to 5 legacy contacts
- Recovery key generated

Deactivation Request:
- Family member can request
- Provide death proof
- Account deactivated
- No transfer/memorial option

Email Often Contains:
- Financial statements
- Investment details
- Password resets
- Important documents
- Subscription info
- Communication history

Options:
1. Share password with trusted person
2. Use platform legacy features
3. Include in password manager share
4. Written instructions in safe

Personal Messages:
- End-to-end encrypted
- Not accessible without phone
- Backup may be in cloud

For Estate:
- Ensure phone access documented
- Cloud backup credentials
- Consider what should be preserved

List All Subscriptions:
□ Streaming (Netflix, Prime, Spotify)
□ News/magazines
□ Software (Adobe, Microsoft)
□ Cloud storage
□ Gaming subscriptions
□ Professional tools
□ Memberships

For Each Note:
- How to cancel
- Payment method
- Renewal dates
- Transferability

Include Instructions For:
- How to access billing
- How to cancel
- What to save first
- Any refund policies
- Account closure steps

Digital Assets Clause:
"I grant my Digital Executor full authority to:
1. Access all my digital accounts
2. Manage my social media presence
3. Transfer or liquidate digital financial assets
4. Delete accounts as appropriate
5. Download and preserve digital content
6. Make decisions about memorial options"

For Incapacity:
Digital POA provisions:
- Access during incapacity
- Manage accounts
- Pay/cancel subscriptions
- Handle urgent matters

Cryptocurrency:
- Capital gains may apply
- Fair value at death
- Transfer to heir: step-up?
- Complex, consult CA

Other Digital Assets:
- Generally same as physical
- Business assets: different treatment

Review Digital Estate Yearly:
□ Update inventory
□ Add new accounts
□ Remove closed accounts
□ Update access information
□ Verify backup systems
□ Test access methods
□ Update beneficiary designations

Tell Trusted Persons:
- That digital estate plan exists
- Where to find instructions
- Who the digital executor is
- General scope of digital assets
- How to access secure storage

Don't Share:
- Actual passwords
- Full access prematurely
- Complete details widely

Create "In Case of Death" Document:
1. Where to find master password
2. Who to contact
3. Priority actions
4. What can be shared
5. What should be private

Create Complete List:
□ Financial accounts (all)
□ Email accounts
□ Social media
□ Subscriptions
□ Cloud storage
□ Domain/website
□ Crypto holdings

For Each Account:
□ Record access credentials
□ Note 2FA methods
□ Document recovery options
□ Assess value (monetary/sentimental)
□ Decide fate after death

Set Up:
□ Password manager (or method)
□ Emergency access feature
□ Physical backup location
□ Instructions for access
□ Test the recovery process

Complete:
□ Update will with digital assets
□ Appoint digital executor
□ Set up platform legacy features
□ Communicate with trusted person
□ Store all documentation safely