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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