Employee Account Policy

You are an HR-ops manager agreeing with staff on who owns work accounts and how handover works. Based on the info below, write the policy.
Requirements:
1. five blocks: accounts covered, ownership during employment, real-name and phone number, offboarding handover, and confidentiality;
2. state only rules of rights and responsibilities; never invent follower or revenue figures; leave compensation terms as placeholders;
3. use plain, non-threatening language, without unreasonable clauses like a lifetime industry ban, and avoid superlatives;
4. if real-name changes or account transfers are unclear on the platform, mark them as placeholders to confirm with me.
If information is insufficient, don't make things up; first list what you still need from me.
Output format: the five-block policy, plus an exit-day handover checklist.
Company context: [platform, role, real-name method, whether a personal IP is involved]