Estate planning as a Riot Games account holder

A single Riot account is used across Riot Games titles, including League of Legends, VALORANT, Teamfight Tactics, Legends of Runeterra, Wild Rift, and 2XKO. The estate-relevant assets are the account itself and what it holds: purchased champions, skins, agents, and other unlocked Virtual Content, plus virtual currency such as Riot Points (RP) and VALORANT Points (VP). Under Riot's Terms of Service, the account and all Virtual Content are licensed rather than owned, are personal and non-transferable, and have no real-world monetary value.

Under Riot Games's terms, account are not property of the account holder and are forfeited when the account closes at death. No estate planning document—will, trust, or otherwise—can override this forfeiture.

What happens at death

Riot's Terms of Service (Last Modified December 1, 2024) state at Section 4.4 that a player has "no ownership or other property interest in your account, and that all rights in and to your account are and shall forever be owned by and inure to the benefit of Riot Games," and that the player has "no title, ownership, or other proprietary interest in any Virtual Content, regardless of any consideration offered or paid in exchange." Section 4.3 adds: "You have no ownership or other property interest in any of the Virtual Content you unlock, regardless of how you acquired access to it. Virtual Content has no monetary value. You can't transfer (unless we allow it in the functionality of the Riot Services) or redeem Virtual Content for any type of 'real world' money." Section 4.4 grants only "a personal, non-exclusive, non-transferable, non-sublicenseable, revocable, limited right and license" to that content. Section 1.5 prohibits account transfer outright: "You can't sell, transfer or allow any other person to access your account or Login Credentials, or offer to do so." Riot's support article "Shared Accounts" states the same in plain language: "accounts are personal, non-transferable and free. Both selling and buying them is strictly prohibited." Section 2.3 provides that on termination the holder loses access to the account "including any of the associated data or Virtual Content (including Game Currency)." A full-text scan of the current Terms found no death, estate, inheritance, or memorialization provision of any kind, so a Riot account and its purchased content cannot be inherited or retitled and are effectively forfeited at the account holder's death. Riot also publishes a support article titled "We Can Only Help with YOUR Account," which states: "For security and privacy reasons, we are only able to help the original owner of the account. If someone you know needs support (like a friend, colleague, relative, etc.), please have them reach out directly through their own login or registered email." A survivor should expect that position and should treat any accommodation as discretionary.