Frequently Asked Questions

Kinheritance exists to empower you and your family…If you resonate with any one of the below, Kinheritance is the way forward…

• I ‘Forget’

My long-term Investment/ Insurance after a couple of years

To Check Whether I Am Receiving Periodic Interest/ Dividend/Maturity

To Pay Premium/ Recurring Amount to Keep My Investment Active

• I ‘Want’

To Know All Investment Details

To Access My Investment Documents

My Family to Benefit from All My Insurance and Investment After Me

• I ‘Plan’

To Ensure My Family Has Sufficient Income After Me

To Ensure I Have Sufficient Money After 60 Years

To Check My Hidden Legacy

Thus, if you, the one who is prudent, loves peace and cares about family, you should have Kinheritance. You don't have to be old or sick to avail of Kinheritance; storing and managing all information in a single, secure platform will ease your life and empowers your family.

Kinheritance is your trusted companion during your lifetime and beyond.

Benefits during lifetime

• Secured dashboard of all investment/ insurance anytime, anywhere
• Secured database and easy retrieval of key documents
• Auto Triggers to check whether you are getting interest/ dividend income
• Auto Reminder to installment/ premium due/ KYC update
• Ease in nomination management
• Legal advice to facilitate smooth inheritance
• Controller sharing of your investment details with as many deputies as you want
• Check your unclaimed legacy/investment.
• Financial Packers & Movers – support update of financial records due to changes in job, phone,
• account, etc
• Financial Knowledge Warehouse – seminars and articles on lesser-known financial benefits e.g.
• government benefits, tax rebate, complimentary insurance, unclaimed money search
• Calculate your financial health and plan your retirement.
• Benefits beyond life:
• Single window to give complete investment/ insurance repository to the assigned deputies/legal heir
• Support to family members in getting legitimate legacy
• Advice family in closure/ transmission of accounts to avoid any misuse/ unnecessary charges
• Conduct a check for unclaimed legacy/investment
• Financial Knowledge Warehouse – seminars and articles on lesser-known financial benefits, e.g., legacy
• issues, inheritance, minor and guardian relationship

Kinheritance isn’t just a secured database/ vault. Our service distinguishes us from you doing it on your own. Let’s understand how.

During your Lifetime

We enable you to have complete control of your investments. You may be receiving multiple reminders to pay but may not be receiving any trigger for upcoming income. We protect your investment from getting unclaimed and facilitate effective cash flow management by tracking both upcoming income and payment.

Besides, our informative articles/ blogs will educate you to reap the multiple lesser-known financial benefits provided by the government or complimentary insurance provided by your bank and card companies.

The meager subscription fee shall open a treasure of unknown gems for you and your family.

Beyond you

In the unfortunate event of your demise, it may become an intimidating task for the family members to search for key documents and contact a multitude of agencies to inherit your valuable legacy in the period of grief. The biggest risk can be they are unable to figure out the investments carried out by you for them & and the money lying in the unclaimed account of a bank or mutual fund, or some financial institution.

We handhold your family members with financial data and documents as updated by you from time to time. We further provide them with forms & procedures for them to be able to apply to various financial institutions to get the assets transferred in the name of deputies or legal heirs. You can continue to keep your family updated regarding your investments. However, you can use this app to be doubly sure that your family doesn’t miss anything in case of an eventuality.

Digi-locker / e-Locker is one of many other crucial features offered by the Kinheritance platform. E-Locker is an online document storage facility to store all your valuable documents in one central, secure location. There are many Digi-locker/ e-locker applications available in the marketplace.

Kinheritance is a comprehensive solution specially designed to overcome practical challenges during a lifetime and beyond life. This platform will help you

• help you organize and track all your investments under one umbrella.
• ensure that you do not miss out on any due income/ return from your investment,
• ensure you make timely payments of all your financial obligations,
• give smiles to your loved ones by helping them get the hassle-free benefits of your lifelong investment

We are not investment advisors or portfolio managers… We do not offer you financial advice or give investment tips.

Kinheritance exists to empower you and your family. Our platform and services will facilitate you that where ever you invest, you don’t miss out on any legitimate income during your life, and your family gets a hassle-free inheritance of your legacy.

Rs. 1,50,000 Crore is lying unclaimed in India…. One small portion of it may belong to you… Kinheritance can help identify hidden treasure and also protect your investment/insurance from getting unclaimed.

For every minute spent organizing, an hour is earned….Benjamin Franklin

Have you ever spent hours searching for important documents/investment receipts or lost sleep wondering about your family's future / lost legacy?

Organizing details on the Kinheritance platform is like an investment for you and beyond you. Although this kind of planning can feel daunting - we know firsthand - but completing it will help save you and your family thousands of hours and a multitude of problems.

You can start this journey by updating what comes to your mind first, as it will spark the momentum needed to keep going - so get started!

Yes, the Kinheritance platform is as secure. We continue to use bank-level security and encryption. We also recommend you use 2-factor authentication to increase security and ease of access to your account. You must choose a strong password (we enforce that as best we can), and you should never share your password with

anyone.  

If you want to share the details with anyone, you can assign them as ‘Deputy’ and control their access rights.Our key security protocols are as follows:

• Securing Your Data at Rest

Within our systems, all your data is stored using AES-256 encryption with a uniquely derived key for each user following the recommendations of NIST Special Publication 800-132. We encrypt every single personally identifiable field in the database, including your name and email address. For searching and indexing, we hash a small number of fields using HMAC. We apply the same encryption technique to all files you upload.

• Securing Your Data in Transit

All communications between you and Kinheritance are encrypted via SSL using 2048-bit certificates, and we Require SSL on all communications. We are implementing perfect forward secrecy so that even if someone eavesdrops on your communication, they will still not be able to decrypt the data in the event that our key is compromised.

• Administrative Access to Your Information

Your security and privacy are paramount to us, we limit what access our administrators have to your account to the limited set of data necessary to ensure the smooth delivery of our services (by triggering confirmation emails, for example) and help you restrict access to your account in urgent circumstances (such as by limiting or removing a Deputy's access). Kinheritance logs and regularly audits all accesses to your account, whether by you, an administrator, or your Deputies.  

• Timed Log Out

To protect the user’s account from unauthorized access, our system is designed to terminate sessions automatically if extended inactivity is detected.

‘Deputy’ is someone to whom you would want to give limited/full access to view your financial details updated on the Kinheritance Platform. Deputy may or may not be the nominee defined on the asset or your legal heir. A deputy can be a close associate in your life whom you trust enough to provide access to some or all of your Kinheritance platform details. When you designate a deputy for your account, Kinheritance will reach out to them via email to invite them to log in and set a password for their account. From that point forward, they will be able to see the parts of your financial details that you have explicitly invited them to have access to. You will have full control over which items in your account can be seen by each deputy.

The following are good choices to be deputy for your account:

• Spouse
• Adult Children
• Parents
• A person who is the executor of your will
• Power of attorney

You have full control over what your Deputies can and can’t access and when. You can have multiple deputies and can assign specific investments to which they can have access. You can edit the same as required.

When someone names you as a Deputy for their Kinheritance account, you should receive an email inviting you to set up your own account that will grant you access to the sections they have shared.

You continue to have full control of your Kinheritance account. No one else would have access to your financial details. Also, we shall not be able to share any information or documents with anyone in case of any eventuality.

Your family member/ Deputy shall contact our support center to inform you about the life event. We will require certain verifications to establish the same. Also, we will try to connect with you at your registered mobile and e-mail id to re-assure the same.

Besides, we also proactively track each of our valued subscribers. Similar to the annual life certificate, we require you to log in and refresh your details once every year. In case of inactivity during any calendar year, our support team will first try to contact you using multiple means, including email and phone calls if we were not able to connect with you, our support team will try to connect with your Deputy.

The deputy can call the Kinheritance support team from the registered mobile number or send an email from the registered email id. The mobile number and email id of the deputy get registered with Kinheritance when the user appoints a deputy.

Kinheritance Account will continue to be available for your assigned Deputies in the event of your death until the end of your current subscription or 12 months from the date of death, whichever is longer. We will archive your records for 3 years (accessible by your deputy on a case-to-case basis), and after 3 years, they will be deleted permanently.

Creating an account is an important milestone in securing your wealth. We recommend that you should first

add any information that is readily available to you as your first action (e.g., key documents, investment, account details, etc.).

Our belief is that getting some information into your Kinheritance should help to create momentum for people about their planning. We are sure you will feel motivated to keep adding details once you start to reap benefits from the Kinheritance platform. Once you have begun to flesh things out, we recommend adding at least one Deputy as your second action. Your Kinheritance becomes infinitely more valuable if there is someone on the other end who can access all of this great planning.

Not an issue. You can continue to avail of our free benefits for a lifetime. However, our premium services shall be discontinued, the benefits of which far overweight our benefits.

The Kinheritance support team will guide you/ your family in submitting the claim as required. Our support team will help resolve the queries. In case you/ your family wants us to facilitate claim submission and liaison with various agencies, we can also do us at a nominal cost.