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    Why I built When I Am Gone

    A letter from our founder, written after years of sitting across the table from families in crisis.

    Natalie Macdonald Spence - Founder, When I Am Gone24 April 2026

    Before I built When I Am Gone, I spent years working as an attorney in estate administration. I sat across the table from surviving spouses, adult children, and executors who were trying to navigate a process they had never asked to be part of, at a time when the last thing they wanted to think about was paperwork.

    What I saw, again and again, was not negligence. The people whose estates I helped administer were not careless. Many of them had wills. Some had spoken to their families. But when the time came, the estate was still not ready - and the family paid the price.

    They were not careless. They had wills. And still the family paid the price.

    The pattern I could not stop seeing

    The most common problem was liquidity. A deceased estate must meet its liabilities before anything can be distributed, and if the assets are tied up in property or a business, the executor and the family can wait months - sometimes years - for the estate to generate the cash it needs. Surviving spouses who depended on a joint income would find themselves in real financial difficulty during that period, through no fault of anyone.

    The second problem was disorganisation. Policies that no one knew existed. Bank accounts at institutions the family had never heard of. A will drafted fifteen years ago that did not reflect anything about the life the deceased had actually lived. A safe that no one could open because the combination was inside it.

    I would sit across from a grieving spouse and explain that we could not yet apply for Letters of Executorship because we had not located the original will. Or that the estate would need to advertise for creditors before we could even begin to distribute. And I would watch them absorb that information while they were still absorbing the fact that their partner was gone.

    Why I decided to build something

    Over time, I became convinced that a great deal of this hardship was preventable. Not all of it - estate administration is inherently complex and some delays are unavoidable. But the specific pain caused by missing documents, undisclosed accounts, unreviewed wills, and estates with no liquidity plan? That is addressable. People just need a prompt and a place to act on it.

    When I Am Gone is my attempt to provide both. It is a secure place where you can organise your documents, record your accounts and policies, keep your will current, and - critically - think through whether your estate will have enough liquidity to look after the people you love without putting them under financial pressure while they are grieving.

    A great deal of this hardship is preventable. People just need a prompt and a place to act on it.

    What I want this platform to do

    I did not build this to replace attorneys. Estate administration requires professional advice, and I would encourage everyone to work with a qualified attorney when drafting or reviewing their will and when thinking through their estate plan. What When I Am Gone does is make sure that by the time your family sits across the table from an attorney, the groundwork is already done.

    I want the families we serve to be able to grieve without also being administrators. I want surviving spouses to spend the first months after a loss focused on themselves and their children, not on locating documents or managing creditors. That is the version of things I kept wishing for, sitting across that table. This platform is my attempt to make it real.

    A note from us. Every estate is different, and the information on this platform is not a substitute for legal advice. Please consult a qualified attorney about your will, your estate plan, and your specific circumstances. If you are in the early stages of estate administration, reach out to a professional and use our First Steps checklist to take the next small action.

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    When I Am Gone is a life-file and estate-readiness platform. It is not a law firm, financial adviser, estate administrator, executor service, probate service or insurer. The platform stores information you supply and helps you keep it organised; it does not provide legal, tax or financial advice.

    When I Am Gone (Pty) Ltd ("When I Am Gone") is a registered Financial Services Provider (FSP No: 55699) providing secure digital information storage and estate-readiness tools. When I Am Gone is not a law firm or estate planning professional. For personalised legal, tax or estate planning advice, consult a qualified attorney or fiduciary practitioner. Executors and beneficiaries are responsible for verifying information and obtaining professional advice before acting.

    Will documents created using When I Am Gone must be printed, reviewed, and signed in the presence of two competent witnesses as required by the Wills Act 7 of 1953. Electronic wills are not valid under South African law. When I Am Gone does not verify will validity, witness competency, or guarantee executor or Master of the High Court acceptance.

    When I Am Gone is the responsible party for processing your personal information in accordance with the Protection of Personal Information Act 4 of 2013 (POPIA) and the Promotion of Access to Information Act 2 of 2000 (PAIA). We process data based on your consent and contract performance. Data categories collected include identity, contact, estate, and financial information. Consumer vault entries are browser-encrypted; some authorised sharing workflows use server-side envelope encryption so access can be scanned, granted and audited. The security of your own device and passphrase remains your responsibility. Data is held with our cloud and database providers under written POPIA processing terms. Retention: active accounts are retained while the account remains open. Deleted vault contents are removed from active storage. Limited regulatory, audit and transaction records may be retained where required by law, including FICA records kept for at least 5 years from the applicable trigger date.

    You have the right to access, correct, delete, or object to processing of your personal information. Contact our Information Officer at support@wheniamgone.co.za for data subject requests. We notify the Information Regulator and affected data subjects as soon as reasonably possible after discovery of a security compromise, in line with POPIA. Our internal target is 72 hours where the facts allow it. See our Privacy Policy for full details.

    © 2026 When I Am Gone (Pty) Ltd. All rights reserved. Registered in South Africa.

    When I Am Gone is a registered Financial Services Provider | FSP No: 55699 | Regulated by the FSCA

    Administrative vault services are non-FAIS. Insurance services, where live, are financial services and are provided under the relevant authorisation, disclosures and product-provider terms. The will wizard and estate vault are software tools, not FAIS products. Insurance cover products are not yet on sale. When insurance products are offered, any remuneration will be regulated under FAIS and disclosed before any transaction. CPA and ECTA cooling-off rights apply where the transaction qualifies. The FSP licence is held by When I Am Gone alone and is never re-presented under a partner brand.

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