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Digital Legacy

Ensure your important documents, passwords, and digital assets reach your loved ones when you pass away.


What is Digital Legacy?​

Digital Legacy helps you plan what happens to your digital life after death:

  • Important Documents: Wills, trusts, insurance policies, deeds
  • Account Access: Passwords, recovery codes, security keys
  • Financial Information: Bank accounts, investments, crypto assets
  • Personal Messages: Letters to loved ones, final wishes
  • Digital Assets: Photos, videos, social media accounts
  • Instructions: What to do with your accounts and assets

Why Digital Legacy Matters​

Without a Plan:

  • Family can't access important documents
  • Passwords and accounts lost forever
  • Digital assets (crypto, domains, etc.) unrecoverable
  • Confusion about your wishes and intentions
  • Legal battles over estate and assets
  • Emotional burden on grieving family

With Digital Legacy:

  • Documents automatically released to designated heirs
  • Clear instructions for accessing accounts
  • Smooth estate settlement process
  • Peace of mind that family is taken care of
  • Your wishes are honored
  • Reduced stress for loved ones during difficult time

Enabling Digital Legacy​

Digital Legacy is an add-on feature that must be enabled before use.

How to Enable​

  1. Navigate to Settings: Click your profile → Settings
  2. Go to Add-On Features: Click "Add-On Features" in the sidebar
  3. Find Digital Legacy: Locate the "Digital Legacy" card
  4. Enable Feature: Toggle the switch to enable
  5. Complete Onboarding: Follow the guided setup wizard

Important: After enabling, the "Digital Legacy" navigation item will appear in your sidebar immediately. No page refresh needed.

What Happens After Enabling​

Once enabled, you'll have access to:

  • Digital Legacy dashboard
  • Legacy vault creation
  • Beneficiary management
  • Asset and intent configuration
  • Legacy agent designation
  • Death verification setup

Disabling Digital Legacy​

If you need to disable Digital Legacy:

  1. Navigate to Settings → Add-On Features
  2. Toggle off the Digital Legacy switch
  3. Confirm the action

Warning: Disabling will not delete your data, but you'll lose access to Digital Legacy features until you re-enable them.


How It Works​

1. Create Your Legacy Vault​

Create a vault specifically for digital legacy planning:

Contents:

  • Legal documents (will, trust, power of attorney)
  • Financial information (accounts, investments, insurance)
  • Account credentials (password manager export, recovery codes)
  • Property information (deeds, titles, mortgages)
  • Personal messages (letters to family, video messages)
  • Instructions (what to do, who to contact, how to handle assets)

2. Add Beneficiaries​

Designate who receives your legacy:

Primary Beneficiaries:

  • Spouse or partner
  • Adult children
  • Parents
  • Siblings
  • Executor of estate

Backup Beneficiaries:

  • Secondary contacts if primary unavailable
  • Attorney or trust administrator
  • Close friend or family member

Verification Requirements:

  • Government-issued ID
  • Death certificate (required for release)
  • Additional verification (configurable)

3. Configure Release Policy​

Choose when and how materials are released:

Death Verification (recommended):

  • Beneficiary submits death certificate
  • Torvus verifies authenticity
  • Grace period (7-30 days configurable)
  • Materials released after verification

Time-Based Backup:

  • If no check-in for 90+ days (configurable)
  • Multiple verification attempts with beneficiaries
  • Extended grace period (30-90 days)
  • Final release if no response

Hybrid (most secure):

  • Death certificate required
  • OR no check-in for 180 days + beneficiary verification
  • Reduces false positives, ensures release

4. Regular Updates​

Keep your legacy current:

Update When:

  • Major life events (marriage, divorce, birth, death in family)
  • New assets acquired (property, investments, accounts)
  • Beneficiary changes (new children, changed relationships)
  • Account changes (new passwords, closed accounts)
  • Legal document updates (new will, trust amendments)

Recommended Frequency:

  • Review annually (set reminder)
  • Update after major life changes
  • Check-in quarterly to prevent accidental release

5. Release Process​

When you pass away:

Beneficiary Initiates:

  1. Beneficiary logs in or contacts Torvus
  2. Submits death certificate and ID
  3. Torvus verifies authenticity (24-48 hours)
  4. Grace period begins (7-30 days)
  5. Other beneficiaries notified (can contest if fraud suspected)
  6. Materials released to verified beneficiaries
  7. Access granted to vault contents

What Beneficiaries Receive:

  • All documents in legacy vault
  • Instructions document (front and center)
  • Contact list (attorneys, financial advisors, important people)
  • Account access information
  • Personal messages
  • Timeline of important information

What to Include​

Essential:

  • ✅ Last Will and Testament: Most recent version + execution instructions
  • ✅ Living Trust: Trust documents + trustee contact information
  • ✅ Power of Attorney: Medical and financial POA documents
  • ✅ Healthcare Directive: Living will, DNR, medical wishes
  • ✅ Beneficiary Designations: Life insurance, retirement accounts, payable-on-death accounts

Supporting:

  • Marriage certificates
  • Birth certificates (yours and children's)
  • Divorce decrees
  • Adoption papers
  • Name change documents

Instructions:

IMPORTANT - LEGAL DOCUMENTS

1. Contact attorney immediately: John Smith, Esq.
Phone: +1-555-0100
Email: john.smith@lawfirm.com
File: attorney_contact_info.pdf

2. Will is located in "Legal/Will_2025.pdf" (executed March 1, 2025)
- Original signed copy in safe deposit box (Bank of America, Box #1234)
- Key location: [See separate encrypted note]

3. Trust document: "Legal/Smith_Family_Trust_2025.pdf"
- Trustee: Jane Smith (spouse)
- Successor Trustee: Robert Smith (brother)

4. Execute will within 30 days to avoid probate complications

5. See "Legal/Estate_Settlement_Checklist.pdf" for step-by-step process

Financial Information​

Bank Accounts:

  • Account numbers (last 4 digits only for security, or full if encrypted)
  • Bank names and branch locations
  • Online banking login information
  • Approximate balances (update annually)
  • Automatic payments/deposits (what to cancel, what to maintain)

Investments:

  • Brokerage accounts (Fidelity, Vanguard, etc.)
  • Retirement accounts (401k, IRA, Roth IRA)
  • Stock holdings (if not in brokerage)
  • Bonds and treasury securities
  • Investment property (rental properties, REITs)

Insurance:

  • Life insurance policies (company, policy number, beneficiaries)
  • Health insurance
  • Home/auto insurance
  • Disability insurance
  • Long-term care insurance

Debts and Liabilities:

  • Mortgage (bank, account number, payoff amount)
  • Auto loans
  • Credit cards (which to cancel, which to keep for estate expenses)
  • Personal loans
  • Business debts

Financial Advisors:

Financial Team Contact List

Financial Advisor: Sarah Johnson, CFP
Company: Wealth Management Group
Phone: +1-555-0200
Email: sarah.j@wealthmgmt.com
Accounts Managed: Brokerage, Retirement planning

Accountant: Michael Chen, CPA
Firm: Chen & Associates
Phone: +1-555-0300
Email: mchen@chenaccounting.com
Services: Tax preparation, estate accounting

Insurance Agent: Lisa Brown
Company: Nationwide Insurance
Phone: +1-555-0400
Email: lisa.brown@nationwide.com
Policies: Life ($1M), Home, Auto

Account Access Information​

Password Manager:

  • Master password (consider sealed envelope method - see below)
  • Recovery codes
  • Emergency access kit
  • Which password manager (1Password, Bitwarden, LastPass, etc.)

Critical Accounts:

  • Email accounts (primary communication hub)
  • Phone/mobile accounts (for verification codes)
  • Cloud storage (Google Drive, Dropbox, iCloud)
  • Social media (instructions: memorialize vs delete)
  • Financial accounts (bank, investment, crypto)
  • Utility accounts (electric, gas, water, internet)

Business Accounts (if applicable):

  • Business email and website
  • Social media business pages
  • Payment processors (Stripe, PayPal)
  • Client management systems
  • Domain registrars and hosting

Cryptocurrency (if applicable):

  • Exchange accounts (Coinbase, Kraken, Binance)
  • Hardware wallets (location, PIN, recovery seeds)
  • Software wallets (where installed, how to access)
  • See Crypto Asset Management for detailed guide

Digital Assets:

  • Domain names (registrar, renewal dates, how to transfer)
  • Website hosting
  • NFTs and blockchain assets
  • Intellectual property (copyrights, trademarks)
  • Digital media libraries (Kindle, iTunes, Audible)

Property and Assets​

Real Estate:

  • Primary residence (address, mortgage info, deed location)
  • Vacation/second homes
  • Rental properties (tenant info, management company)
  • Timeshares
  • Land/lots

Vehicles:

  • Make, model, year, VIN
  • Title location
  • Loan information
  • Registration
  • Valuable/classic cars (appraisal, insurance)

Valuables:

  • Jewelry (appraisals, insurance, sentimental value)
  • Art and collectibles
  • Antiques
  • Precious metals (gold, silver)
  • Safe deposit box (location, key, contents list)

Business Interests:

  • Business ownership percentage
  • Buy-sell agreements
  • Partner contact information
  • Business succession plan
  • Business valuation

Personal Messages​

Letters to Loved Ones:

To my beloved wife, Jane:

Thank you for 30 wonderful years together. You made every day brighter.
I'm sorry I had to leave too soon. Know that you were my greatest joy.

Financial notes:
- Life insurance ($1M) goes to you - use it wisely
- House is paid off - you can stay or sell, your choice
- Retirement accounts total ~$800K - work with Sarah (financial advisor)

Personal notes:
- My wedding ring - save for our son when he gets married
- The photo albums in the attic - these are our memories, cherish them
- The recipe box from my mother - these recipes are family history

I want you to be happy. Grieve, but then live fully again.
Travel, spend time with the kids, find joy.

I love you forever,
John

P.S. - The secret to my famous chili is in the recipe box.
It's actually pretty simple! Share it with the kids.

Specific Messages:

  • To spouse/partner
  • To each child (personalized)
  • To parents or siblings
  • To close friends
  • To business partners
  • To specific beneficiaries (explaining bequests)

Video Messages (highly recommended):

  • More personal and emotional than written letters
  • Capture your voice, mannerisms, expressions
  • Can convey tone and emotion better
  • Upload video files to legacy vault
  • Recommended: 5-10 minutes per person, shorter messages stay engaging

Instructions and Information​

Funeral and Memorial Wishes:

Funeral/Memorial Instructions

Preferences:
- Burial or Cremation: Cremation preferred
- Funeral Home: Smith & Sons Funeral Home (contact: +1-555-0500)
- Service: Celebration of life at our church (Pastor David knows my wishes)
- Music: "Amazing Grace", "What a Wonderful World"
- Readings: Psalm 23, "Do Not Stand at My Grave and Weep"

Burial/Cremation:
- Ashes to be scattered at [location] (see photo attached)
- Small portion saved for family members who want to keep
- No expensive casket or urn needed - simple and respectful is fine

Memorial Service:
- Keep it upbeat - celebrate life, not mourn death
- Open mic for anyone who wants to share stories
- Favorite foods: BBQ, potato salad, apple pie (not fancy catering)
- Donations to American Cancer Society instead of flowers

Budget: $5,000-$7,000 reasonable (don't overspend, I'm gone already!)

Contact: Brother Robert has full details and has agreed to help coordinate

Estate Settlement Guide:

  • Step-by-step checklist (what to do first, second, third...)
  • Timeline (what needs to happen in first week, month, year)
  • Who to contact and when
  • Common mistakes to avoid
  • Resources and helpful links

Digital Account Instructions:

Social Media Account Instructions

Facebook: Memorialize account (don't delete)
- Settings already configured for memorialization
- Jane (wife) is legacy contact - she can manage memorialized account
- Keep photos and posts for kids/grandkids

Instagram: Delete account
- Nothing important here, just casual photos
- No need to maintain

LinkedIn: Delete after 6 months
- Useful for professional contacts initially
- After 6 months, connections notified and account can be deleted

Twitter: Delete immediately
- Not active, no value in keeping

Pet Care Instructions (if applicable):

Pet Care Instructions

Max (Golden Retriever, 5 years old):
- Vet: Dr. Sarah at Pets Medical Center (+1-555-0600)
- Food: Blue Buffalo Large Breed (2 cups 2x/day)
- Medications: None currently
- Habits: Loves walks in morning, belly rubs, playing fetch
- Going to: Brother Robert (he's agreed and Max loves him)
- Pet trust: $10,000 allocated for Max's care (see will)

Security Best Practices​

Sensitive Information Storage​

Password Manager Master Password:

Option 1: Sealed Envelope Method (recommended):

  1. Write master password on paper
  2. Seal in envelope
  3. Label: "OPEN ONLY AFTER DEATH - Password Manager Master Password"
  4. Store in safe deposit box or with attorney
  5. In Digital Legacy vault, include: "Master password in sealed envelope at [location]"

Option 2: Split Secret Method:

  1. Split master password into 2-3 parts using Shamir's Secret Sharing
  2. Give each part to different trusted person
  3. Require 2 of 3 parts to reconstruct password
  4. More secure, prevents single point of compromise

Option 3: Digital Legacy Vault (most convenient):

  1. Store encrypted password file in vault
  2. Only accessible after death verification
  3. Beneficiaries receive access automatically

Encryption​

Highly Sensitive Documents:

  • Encrypt with additional password before uploading
  • Share password using sealed envelope method
  • Use for: Full account numbers, SSNs, master passwords, crypto seeds

Example:

File: Financial_Accounts_ENCRYPTED.pdf
Password Location: Sealed envelope with attorney John Smith
Attorney Contact: +1-555-0100, john.smith@lawfirm.com

Verification Requirements​

Strict Verification (recommended for high-value estates):

  • Death certificate required (certified copy)
  • Government-issued ID from beneficiary
  • Secondary verification (attorney confirmation, family member vouching)
  • Extended grace period (30 days) for fraud prevention
  • Multiple beneficiary approval (2 of 3 beneficiaries must confirm)

Standard Verification:

  • Death certificate required
  • Beneficiary ID
  • 7-14 day grace period

Common Use Cases​

Simple Estate (Most People)​

Assets:

  • Primary residence (mortgaged)
  • Retirement accounts ($500K)
  • Bank accounts ($50K)
  • Life insurance ($250K)
  • Personal property

Digital Legacy Contents:

  • Will and beneficiary designations
  • Bank and retirement account information
  • Life insurance policy details
  • Mortgage information
  • Password manager access
  • Letters to spouse and children
  • Funeral wishes

Beneficiaries:

  • Primary: Spouse
  • Backup: Adult children (split equally)

Release Policy:

  • Death certificate required
  • 14-day grace period
  • Spouse can access immediately, children after spouse notified

Complex Estate (High Net Worth)​

Assets:

  • Multiple properties ($5M+)
  • Investment portfolio ($2M+)
  • Business ownership (private company)
  • Trusts and complex legal structures
  • Cryptocurrency ($500K+)
  • Intellectual property (patents, royalties)

Digital Legacy Contents:

  • Complete estate plan (will, trusts, buy-sell agreements)
  • All property deeds and titles
  • Business succession plan and documents
  • Investment account details (brokerage, hedge funds, private equity)
  • Cryptocurrency recovery information (hardware wallets, seeds, PINs)
  • Intellectual property details (patents, copyrights, licensing agreements)
  • Key contact list (estate attorney, CPA, financial advisor, business partners)
  • Detailed instructions for estate settlement (complex, may take 1-2 years)

Beneficiaries:

  • Primary: Trust administrator (professional trustee)
  • Secondary: Spouse and adult children
  • Business: Business partner (for business succession)

Release Policy:

  • Death certificate + attorney verification required
  • 30-day grace period
  • Multiple beneficiary approval (2 of 3 trustees must confirm)
  • Staged release (some materials immediately, others after probate begins)

Crypto-Heavy Estate​

See Crypto Asset Management for detailed guide.

Quick Summary:

  • Hardware wallet location and PIN
  • Recovery seed phrases (encrypted)
  • Exchange account access
  • Crypto portfolio inventory
  • Instructions for safe transfer
  • Trusted crypto-savvy executor

Business Owner​

Digital Legacy Contents:

  • Business ownership documents
  • Operating agreement or partnership agreement
  • Buy-sell agreement (how business is transferred)
  • Business succession plan
  • Key employee contact information
  • Client list and important relationships
  • Business bank account information
  • Business continuity plan
  • Instructions for business sale or wind-down

Critical Contacts:

  • Business partners
  • Key employees
  • Business attorney
  • Business accountant
  • Clients (for notification)

Step-by-Step Setup​

Phase 1: Gather Documents (Week 1-2)​

Legal Documents:

  • Locate current will (or create one if none exists)
  • Gather trust documents
  • Find power of attorney documents
  • Locate healthcare directives
  • Gather beneficiary designation forms

Financial Documents:

  • List all bank accounts
  • List all investment/retirement accounts
  • Gather insurance policies
  • List all debts and liabilities
  • Collect financial advisor contact information

Property Documents:

  • Property deeds or mortgage statements
  • Vehicle titles
  • Safe deposit box inventory

Account Information:

  • Export password manager database
  • List critical online accounts
  • Document cryptocurrency holdings (if any)
  • List digital assets (domains, etc.)

Phase 2: Organize Materials (Week 3-4)​

Create Folder Structure:

📁 Digital Legacy

📁 00_START_HERE
📄 README - Overview and instructions
📄 CONTACT_LIST - Key people to contact
📄 IMMEDIATE_ACTIONS - What to do first

📁 01_Legal
📄 Will
📄 Trust documents
📄 Power of attorney
📄 Healthcare directives

📁 02_Financial
📁 Bank_Accounts
📁 Investments
📁 Insurance
📁 Debts
📄 Financial_Advisor_Contacts

📁 03_Property
📄 Real_estate_deeds
📄 Vehicle_titles
📄 Valuables_inventory

📁 04_Accounts
📄 Password_manager_info
📄 Critical_accounts_list
📄 Social_media_instructions
📄 Digital_assets

📁 05_Personal
📁 Letters (to spouse, kids, family)
📁 Videos (video messages)
📄 Funeral_wishes
📄 Memorial_instructions

📁 06_Business (if applicable)
📄 Business_succession_plan
📄 Business_documents
📄 Partner_contacts

📁 07_Estate_Settlement
📄 Estate_settlement_checklist
📄 Timeline_and_deadlines
📄 Common_mistakes_to_avoid

Write Key Documents:

  • README explaining what's in vault and why
  • CONTACT_LIST with all important people
  • IMMEDIATE_ACTIONS checklist (what to do in first 48 hours, week, month)
  • Estate settlement guide (step-by-step instructions)

Phase 3: Configure Digital Legacy Vault (Week 5)​

Create Vault:

  1. Log in to Torvus Security
  2. Create new vault: "Digital Legacy - [Your Name]"
  3. Upload organized materials
  4. Add beneficiaries (see Phase 4)
  5. Configure release policy (see Phase 5)

Encryption Settings:

  • Enable additional encryption for highly sensitive files
  • Create sealed envelope for master passwords (store separately)
  • Document encryption passwords in sealed envelope or with attorney

Verification Requirements:

  • Choose verification level (standard vs strict)
  • Configure grace period (7-30 days)
  • Set up multi-beneficiary approval (if desired)

Phase 4: Add Beneficiaries (Week 5)​

Primary Beneficiaries:

  • Spouse/partner (if applicable)
  • Adult children
  • Trust administrator or executor

Backup Beneficiaries:

  • Secondary family members
  • Estate attorney
  • Close friend

For Each Beneficiary:

  • Add name and relationship
  • Add email and phone number
  • Explain their role and what they'll receive
  • Send notification (optional, or keep confidential until needed)

Phase 5: Configure Release Policy (Week 6)​

Choose Release Method:

  • Death certificate required (recommended)
  • Time-based backup (90-180 days no check-in)
  • Hybrid (both methods)

Grace Period:

  • Choose grace period (7-30 days)
  • Configure alerts (who gets notified during grace period)

Release Options:

  • All materials released to all beneficiaries (simplest)
  • Staged release (some materials immediate, some delayed)
  • Role-based release (spouse gets everything, children get subset)

Phase 6: Write Personal Messages (Week 7-8)​

Letters:

  • Letter to spouse/partner
  • Letters to each child (personalized)
  • Letter to parents/siblings
  • Letters to close friends
  • Letter to executor (explaining estate)

Video Messages (optional but recommended):

  • Video to spouse/partner (5-10 min)
  • Video to children as a group or individually
  • Video to family (favorite memories, stories, advice)

Instructions:

  • Funeral and memorial wishes (detailed)
  • Social media and digital account instructions
  • Pet care instructions (if applicable)
  • Specific bequests explained (why you left X to Y)

Phase 7: Review and Test (Week 9-10)​

Review All Materials:

  • Read through all documents (check for errors, omissions)
  • Verify all account numbers and contact information are current
  • Ensure folder structure is logical and easy to navigate
  • Check that README and IMMEDIATE_ACTIONS are clear

Test Release Process (if available):

  • Use test release feature to send mock release to beneficiaries
  • Verify beneficiary contact information is correct
  • Confirm beneficiaries know what Digital Legacy is and what to expect

Share Access Information:

  • Tell spouse/executor that Digital Legacy vault exists
  • Provide high-level overview (don't spoil personal messages)
  • Explain how to initiate release process when time comes
  • Provide Torvus contact information (support@torvussecurity.com)

Phase 8: Ongoing Maintenance (Quarterly/Annually)​

Quarterly Check-ins (prevent accidental release):

  • Check in to reset timer (if using time-based backup)
  • Review beneficiary contact information (any changes?)

Annual Reviews:

  • Update financial account information (balances, new accounts, closed accounts)
  • Update legal documents if changed (new will, trust amendments)
  • Update property information (new home, sold property)
  • Update beneficiaries (new children, changed relationships, deaths)
  • Review and update personal messages if needed
  • Check that insurance policies are current

Update After Major Life Events:

  • Marriage or divorce
  • Birth or adoption of child
  • Death of beneficiary
  • Purchase or sale of major asset (home, business)
  • Significant change in finances
  • Move to new state (estate laws vary by state)

For Beneficiaries​

If You Receive This​

I'm sorry for your loss. This Digital Legacy vault was created to help you during this difficult time.

Start here:

  1. Open 00_START_HERE folder
  2. Read README.txt first (overview)
  3. Read IMMEDIATE_ACTIONS.txt (what to do now)
  4. Read CONTACT_LIST.txt (who to call)

Important:

  • Take your time - you don't have to do everything immediately
  • Reach out for help - contact estate attorney first
  • Read personal messages when you're ready (no rush)
  • Follow the estate settlement checklist step-by-step

Initiating Release​

To access Digital Legacy vault:

  1. If you have a Torvus account:

    • Log in to Torvus Security
    • Navigate to Cases or Vaults
    • Find Digital Legacy case (you'll be notified if you're a beneficiary)
    • Click Initiate Release
  2. If you don't have an account:

    • Go to torvussecurity.com
    • Click Access Digital Legacy
    • Enter deceased person's email or your email (as beneficiary)
    • Follow prompts to create account and verify identity
  3. Submit required documents:

    • Death certificate (certified copy)
    • Your government-issued ID
    • Additional verification if required
  4. Wait for verification:

    • Torvus verifies documents (24-48 hours)
    • Grace period begins (7-30 days)
    • Other beneficiaries notified
  5. Access materials:

    • After grace period, materials released
    • Download all materials (ZIP file)
    • Follow instructions in START_HERE folder

Need help?


FAQ​

What happens if I die without setting up Digital Legacy?​

Your digital assets and accounts may be inaccessible to family. Many services have policies against account sharing, even after death. Without a plan:

  • Password-protected accounts lost forever
  • Cryptocurrency unrecoverable
  • Important documents inaccessible
  • Family must go through lengthy legal process for each account

Can beneficiaries access my vault before I die?​

No. Materials are locked until release conditions are met (death certificate or extended no-check-in period). Beneficiaries are notified they're listed but cannot access contents.

Exception: You can grant early access to specific beneficiaries (e.g., spouse) if needed.

What if I have a terminal illness?​

You can configure expedited release:

  • Shorter check-in period (weekly instead of quarterly)
  • Shorter grace period (2-3 days instead of 7-14)
  • Option to pre-release specific materials (letters, videos)
  • Spouse/caregiver can be given early access for practical matters

Do beneficiaries need to have Torvus accounts?​

No. They can access Digital Legacy as guests. We'll guide them through the process and provide temporary access to download materials.

However: If they create an account, they can keep materials in their own vault permanently.

How do I update my Digital Legacy?​

  1. Log in and open your Digital Legacy vault
  2. Update materials (add/remove files, edit documents)
  3. Update beneficiaries if needed
  4. Update release policy if needed
  5. Check in (if using time-based backup)

Best practice: Review annually or after major life events.

What if a beneficiary can't provide a death certificate?​

Backup options:

  • Time-based release (if configured): After 90-180 days of no check-ins, materials released even without death certificate
  • Alternative verification: Obituary + beneficiary ID + family member confirmation
  • Attorney verification: Estate attorney can verify death

This is why hybrid release policy is recommended: Death certificate preferred, but time-based backup ensures eventual release.

Can I leave different materials to different beneficiaries?​

Yes (Enterprise feature). Create separate vaults or use role-based access:

  • Spouse gets everything
  • Children get personal messages + financial summary (not full details)
  • Executor gets legal and financial documents
  • Business partner gets business-related materials only

What about cryptocurrency?​

See Crypto Asset Management for detailed guide.

Quick tips:

  • Store recovery seeds in Digital Legacy vault (encrypted)
  • Provide clear instructions for accessing wallets
  • Consider hardware wallet location and PIN
  • Ensure beneficiary is crypto-savvy or appoint crypto-savvy executor

Is Digital Legacy legally binding?​

No. Digital Legacy is a communication tool, not a legal document.

Legal documents (will, trust) determine who inherits assets. Digital Legacy helps heirs access and manage those assets.

Example:

  • Will says: "Jane inherits all my assets"
  • Digital Legacy says: "Here's where all the assets are and how to access them"

Always work with an estate attorney for legal documents.

What happens if Torvus goes out of business?​

Export your Digital Legacy vault regularly (quarterly or annually). Store encrypted backup on secure offline storage (USB drive in safe deposit box).

Torvus shutdown process:

  • 90-day advance notice
  • Assist all users with exporting data
  • Release all Digital Legacy vaults to designated beneficiaries
  • Securely delete all data after confirmation

Our commitment: Digital Legacy materials are too important. We will never shut down abruptly and will ensure every user has access to their data.



Last Updated: October 8, 2025