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The difference is the companies billing you will attempt to contact you - hopefully including something that will get to your heirs (snail mail is good for this!). They will also help you understand what the service is for and if you need it.

BTW, if you work for a hosting company, do your processes actually to the above for a non-technical, grieving heir?

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In my experience what is done is they send you an e-mail, shut it down if you don't pay and send another mail that they delete it after x time where x is mostly a single digits days.

Something like this [0] where they try to contact you by phone and snail mail and keep your stuff online for more than half a year even if you don't pay is a paid exception and not the norm.

[0] https://www.infomaniak.com/en/secure/renewal-warranty

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