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Will social media accounts survive your will?

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We spend so much energy on sites; posting photos, writing about experiences and writing blogs, that it makes sense to leave instructions on how you would like these digital assets to be handled in your will, write KEZIA TALBOT and REMAY DE KOCK at BDO Wealth Advisers. 

We are living in a time where technology is at the heart of our existence- social media sites like Facebook, Twitter and Instagram dictate and capture our lives on a daily basis.  We spend so much energy on these sites; posting photos, writing about experiences and writing blogs, that it makes sense to leave instructions on the manner in which you would like these digital assets to be handled after your death.

Everplans describes digital assets as follows: “Digital property (or digital assets) can be understood as any information about you or created by you that exists in digital form, either online or on an electronic storage device, including the information necessary to access the digital asset. All of your digital property comprises what is known as your digital estate.” (A Helpful Overview Of All Your Digital Property And Digital Assets.” Everplans. Web. 10 Mar. 2017.)

The questions are: how do you want your legacy to live on in the social media world and what would you like to happen to your digital assets?

Regardless of your answers to these questions, the solution to ensuring that your wishes are carried out, is a Social Media and Digital Assets Will. There are two parts to the Social Media and Digital Assets Will. The first deals with what you would like to happen to your social media legacy and content, and the second deals with your data stored on cloud servers and your own hardware.

In South African Law at present there is no inherent right to privacy after your death, as this particular right ceases upon your death. It may, however, be of some comfort that it is the strict policy of most social media sites and other online service providers, to not, barring compelling and unusual circumstances as well as a court order, grant another person access to your account or profile, or to provide them with the content contained in the account or profile, after your demise.

Whilst in the case of those persons who’s answers to the above questions may be that “my legacy is not to live on and my content is not to be shared with anyone”, it may tempting to not record these wishes in the form of a Social Media and Digital Assets Will, but it is nonetheless advisable to execute a Social Media and Digital Assets Will, so as to ensure that your wishes are not deviated from and that your personal data is not disclosed.

Depending on the type of social media platforms and online services which you use, there are different options at the disposal of your executor or family member in the event of your death, a few of which are listed below:

·         Facebook allows your account to be “memorialized”. This, in essence, allows your Facebook page to remain active for friends and family to post on and visit. The word “Remembering” will then appear before your name. The person who manages this page is your Legacy Contact. This is a person who you nominate, via a setting on Facebook. The Legacy Contact cannot change any posts, but can write a new post on your profile and change your profile picture etc.

·         The alternative option on Facebook, is for your account to be closed and deleted. This can be done by request by a family member, after certain proof has been provided to Facebook.

·         Instagram, being owned by Facebook, also allows either the memorialization or closure of your account.

·         Twitter does not allow the memorialization of your page, but will instead suspend the account after a period of 6 months of inactivity, or will close your account when requested to do so by a family member, after the provision of certain documents.

·         If you own a Yahoo! Mail account, then the only option is for a termination request to be sent to Yahoo!

·         If you own a Gmail (or other Google-based accounts), then there are two options available to you:

o   The Inactive Account Manager may be used, whereby after a set period of inactivity, your account is deleted, and the data can be downloaded by a pre-selected trusted contact; or

o   Your account is closed upon request by a family member.

·         LinkedIn will only allow for your account to be closed and your profile removed. Your death can be reported by your family, or alternatively, by a colleague who identifies your profile to LinkedIn.

As you will note from the above, the options available to you and your family as to your continuing legacy are limited, and the possibility of your family accessing your data is very unlikely, but you should, in any event, exercise your rights in this regard, and stipulate what is to happen to your accounts and data.

If, on the other hand, you do wish for your legacy to continue and for your designated digital executor to access and download your data, it would be necessary for you to nominate your digital executor as your legacy contact/trusted contact and to provide your digital executor with your login details for those sites or locations where your data is stored. This can be done in a Social Media and Digital Assets Will, so that your data may be downloaded and preserved for your loved ones to treasure for generations to come.

Some factors to take into account when drafting your Social Media Will:

1)     Identify a someone who you can trust to be your “Digital Executor”;

2)    Stipulate in your Will / Letter of Wishes that your Digital Executor be given a copy of your death certificate, as this will be required for most actions;

3)    Leave your Digital Executor with a summary of all the websites, and your usernames and passwords, where you wish for your Digital Executor to be able to access the content of the accounts. Bearing in mind that these details are highly confidential, this document should be stored in your safe or in a reputable digital vault with high security standards and requirements.

Remember, your online legacy and digital assets will continue to exist long after you die.  Set aside some time and give this issue the necessary thought it deserves.  You will end up saving the ones you leave behind a lot of time and effort by dealing with these issues now.

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Now download a bank account

Absa has introduced an end-to-end account opening for new customers, through the Absa Banking App, which can be downloaded from the Android and Apple app stores. This follows the launch of the world first ChatBanking on WhatsApp service.

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This “download your account” feature enables new customers to Absa, to open a Cheque account, order their card and start transacting on the Absa Banking App, all within minutes, from anywhere and at any time, by downloading it from the App stores.

“Overall, this new capability is not only expected to enhance the customer’s digital experience, but we expect to leverage this in our branches, bringing digital experiences to the branch environment and making it easier for our customers to join and bank with us regardless of where they may be,” says Aupa Monyatsi, Managing Executive for Virtual Channels at Absa Retail & Business Banking.

“With this innovation comes the need to ensure that the security of our customers is at the heart of our digital experience, this is why the digital onboarding experience for this feature includes a high-quality facial matching check with the Department of Home Affairs to verify the customer’s identity, ensuring that we have the most up to date information of our clients. Security is supremely important for us.”

The new version of the Absa Banking App is now available in the Apple and Android App stores, and anyone with a South African ID can become an Absa customer, by following these simple steps:

  1. Download the Absa App
  2. Choose the account you would like to open
  3. Tell us who you are
  4. To keep you safe, we will verify your cell phone number
  5. Take a selfie, and we will do facial matching with the Department of Home Affairs to confirm you are who you say you are
  6. Tell us where you live
  7. Let us know what you do for a living and your income
  8. Click Apply.

 

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How we use phones to avoid human contact

A recent study by Kaspersky Lab has found that 75% of people pick up their connected device to avoid conversing with another human being.

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Connected devices are becoming essential to keeping people in contact with each other, but for many they are also a much-needed comfort blanket in a variety of social situations when they do not want to interact with others. A recent survey from Kaspersky Lab has confirmed this trend in behaviour after three-quarters of people (75%) admitted they use a device to pretend to be busy when they don’t want to talk to someone else, showing the importance of keeping connected devices protected under all circumstances. 

Imagine you’ve arrived at a bar and you’re waiting for your date. The bar is busy, and people are chatting all around you. What do you do now? Strike up a conversation with someone you don’t know? Grab your phone from your pocket or handbag until your date arrives to keep yourself busy? Why talk to humans or even make eye-contact with someone else when you can stare at your connected device instead?

The truth is, our use of devices is making it much easier to avoid small talk or even be polite to those around us, and new Kaspersky Lab research has found that 72% of people use one when they do not know what to do in a social situation. They are also the ‘go-to’ distraction for people even when they aren’t trying to look busy or avoid someone’s eye. 46% of people admit to using a device just to kill time every day and 44% use it as a daily distraction.

In addition to just being a distraction, devices are also a lifeline to those who would rather not talk directly to another person in day-to-day situations, to complete essential tasks. In fact, nearly a third (31%) of people would prefer to carry out tasks such as ordering a taxi or finding directions to where they need to go via a website and an app, because they find it an easier experience than speaking with another person.

Whether they are helping us avoid direct contact or filling a void in our daily lives, our constant reliance on devices has become a cause for panic when they become unusable. A third (34%) of people worry that they will not be able to entertain themselves if they cannot access a connected device. 12% are even concerned that they won’t be able to pretend to be busy if their device is out of action.

Dmitry Aleshin, VP for Product Marketing, Kaspersky Lab said, “The reliance on connected devices is impacting us in more ways than we could have ever expected. There is no doubt that being connected gives us the freedom to make modern life easier, but devices are also vital to help people get through different and difficult social situations. No matter what your ‘connection crutch’ is, it is essential to make sure your device is online and available when you need it most.”

To ensure your device lifeline is always there and in top health – no matter what the reason or situation – Kaspersky Security Cloud keeps your connection safe and secure:

·         I want to use my device while waiting for a friend – is it secure to access the bar’s Wi-Fi?

With Kaspersky Security Cloud, devices are protected against network threats, even if the user needs to use insecure public Wi-Fi hotspots. This is done through transferring data via an encrypted channel to ensure personal data safety, so users’ devices are protected on any connection.

·         Oh no! I’m bored but my phone’s battery is getting low – what am I going to do?

Users can track their battery level thanks to a countdown of how many minutes are left until their device shuts down in the Kaspersky Security Cloud interface. There is also a wide-range of portable power supplies available to keep device batteries charged while on-the-go.

·         I’ve lost my phone! How will I keep myself entertained now?

Should the unthinkable happen and you lose or have your phone stolen, Kaspersky Security Cloud can track and protect your device from data breaches, for complete peace of mind. Remote lock and locate features ensure your device remains secure until you are reunited.

 

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