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...which bills itself "a place for friends." We store our images in albums online with companies such as Snapfish and dotPhoto, to name just two. We share the details of our daily lives on personal blogs. We even pay our bills through online banking services.

What happens, however, to our online records if we are struck by tragedy? If we die, if we become disabled, if we divorce, what happens to our online information? After all, we may be the only one who knows our user name and password. How can a family member access our online records, and preserve family photos, for instance, if they don't know the passwords or don't even know the account exists?

[ILLUSTRATION OMITTED]

"Generally, this is an estate-planning question," says Glenn Paul, co-founder of Exclaim, the technology behind several sites, including dotPhoto, which he also co-founded in 1999. "If we value the memories we keep online, we should keep records of our login and possibly our passwords for key online accounts with our other personal information."

Access to e-mail

Precedents have already been set in this type of occurrence. About 3 years ago,...

NOTE: All illustrations and photos have been removed from this article.



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