> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.padsfinancial.com/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# Why do I need to upload a death certificate?

A death certificate is required to authenticate the validity of the property ownership declaration provided during the application process if a co-owner is presumed to be deceased. This helps ensure accuracy and compliance with legal requirements.