Margaret Ellen Kralik
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Margaret's Tribute Fund
Margaret's Tribute Fund
Terms and Conditions
PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE (AS DEFINED HEREIN). By using this Website, you signify your acknowledgment and agreement to these Terms and Conditions. If you do not agree with these Terms and Conditions, DO NOT use this Website (as defined herein).
These Terms and Conditions govern the use of the Book Of Memories websites (the "Website") and other services (collectively the "Services"). FrontRunner Professional ("Company," "we," "us," "our") reserves the right in our sole discretion to change, amend or modify (the "changes") all or part of these Terms and Conditions at any time and from time to time for any reason. Any changes to these Terms and Conditions will be noted by indicating the date these Terms and Conditions were last made. Any changes will become effective no earlier than fourteen (14) days after they are posted; provided, however, that changes addressing new functions of the Services or changes made for legal reasons will be effective immediately. Your use or continued use of the Services after the date any such changes become effective shall constitute your express acceptance of the Terms and Conditions as changed, amended or modified.
Eligibility: Users under 18 years of age are not eligible to use the Services without consent. Users between the ages of 13 and 17, can use the Services with the consent and supervision of a parent or legal guardian who is at least 18 years of age; provided, however, that such parent or legal guardian agrees to be bound by these Terms and Conditions, and agrees to be responsible for such use of the Services. Company reserves the right to refuse use of the Services to anyone and to reject, cancel, interrupt, remove or suspend any Campaign, Donation, or the Services at any time for any reason without liability.
Definitions: In these Terms and Conditions "Campaign Organizers" means those raising funds, and "Campaigns" as their fundraising campaigns. Additionally, "Donors" means those contributing funds, and "Donations" as the funds they contribute. Campaign Organizers, Donors and other visitors to the Services are referred to collectively as "Users". The term "Campaign Organizers" shall also be deemed to include any individual(s) designated as a beneficiary of Campaigns.
Services: The Services are offered as a platform (the "Platform") to Users of the Services. Among other features, the Services are designed to allow Campaign Organizers to post Campaigns to the Platform to accept Donations from Donors. Although there are no fees to set up Campaigns, a portion of each Donation will be charged as fees for our Services and those of our third party payment processors. Company reserves the right to modify or discontinue, temporarily or permanently, the Services with or without notice. You agree that Company will not be liable to you or to any third party for any modification, suspension or discontinuance thereof. The Company has no responsibility or liability for the deletion or failure to store any data or other content maintained or uploaded by the Services. To the extent you access the Services through a mobile device, your wireless service carrier's standard charges, data rates and other fees may apply. In addition, downloading, installing, or using certain Services may be prohibited or restricted by your carrier, and not all Services may work with all carriers or devices. By using the Services, you agree that we may communicate with you regarding Company and other entities by SMS, MMS, text message or other electronic means to your mobile device and that certain information about use of the Services may be communicated to us.
Charitable Giving: Campaigns are not charities to which you can make tax-deductible charitable contributions. Any Donation you make through the Platform may be processed by an unaffiliated business partner for which a processing fee (in addition to our FrontRunner Professional Fee) is deducted. You understand, acknowledge and agree that Company is not a charity, and Company does not solicit charitable donations for itself or for any third-party charitable institution. Company is merely acting as a payment facilitator for any Donations.
Administrative Platform Only: The Services are an administrative platform only. The Company is merely acting as a payment facilitator for any Donations between Campaign Organizers and Donors, and is not a party to any agreement between Campaign Organizers and Donors. Company is not a broker, agent, financial institution, creditor or insurer for any user. Company has no control over the conduct of, or any information provided by Campaign Organizers, and Company hereby disclaims all liability in this regard. We expressly disclaim any liability or responsibility for the success or outcome of any Campaign. Donors must in their sole discretion make the final determination of making Donations to any Campaigns. Donors are solely responsible for asking questions and investigating Campaign Organizers and Campaigns to the extent they feel is necessary before making a Contribution. All Donations are made voluntarily and at the sole discretion and risk of Donors. Company does not guarantee that Donations will be used as promised. Company does not endorse, guarantee, make representations, or provide warranties for or about the quality, safety, or legality of any Campaign. Donors are solely responsible for determining how to treat their Donations for tax purposes.
No Verification of Campaign Information: We do not verify the information that Campaign Organizers supply, and do not guarantee that the Donations will be used in accordance with any fundraising purpose prescribed by Campaign Organizers. We disclaim and assume no responsibility to verify whether the Donations are used in accordance with any applicable laws.
Your Registration Obligations: You may be required to register with Company in order to access and use certain features of the Services. If you choose to register for the Services, you agree to provide and maintain true, accurate, current and complete information about yourself as prompted by the Services' registration form. Campaign Organizers must register using their true identities, including their name and any image purporting to depict the Campaign Organizer. Registration data and certain other information about you are governed by our Privacy Policy. If you are under 13 years of age, you are not authorized to use the Services, with or without registering. In addition, if you are under 18 years old, you may use the Services, with or without registering, only with the approval of your parent or guardian. Certain aspects of our Services may also require you to register with (and agree to the terms of) third party service providers (e.g., payment processors or charitable donation processors) in order to utilize such Services. While we may help facilitate such registration in some cases, we are not a party to any such relationships and disclaim any responsibility or liability for the performance by such third parties. We may exchange information with such third party services in order to facilitate the provision of Services (and related third party services).
Public Display of Donations: Donors have the option to publicly display their Donations for public viewing or allow their information to be provided to the Campaign beneficiary(ies). To keep the details of your Donation private, simply click the appropriate checkbox during the Donation process. Please see our Privacy Policy for more information on the ways that we may collect, use, and store certain information about you and your use of the Services.
Payment of Donations: In order to contribute to a Campaign, Donors will be required to provide Company information regarding its credit card (i.e., VISA, MasterCard, Discover or American Express) or other payment method. Donors represent and warrant to Company that such information is true and that Donors are authorized to use the credit card or payment method. Donors agree that a certain minimum Donation amount may apply, and that all Donation payments are final and cannot be refunded. Donors agree to promptly update account information with any changes that may occur and to pay the Donation amount that you specify. Donors hereby authorize Company to bill Donors' credit cards and payment methods in advance on a periodic basis until Donors terminate periodic payments through the Platform.
Fees: Company does not charge Campaign Organizers any upfront fees for Campaigns. Company retains a portion of each Donation contributed to Campaigns in the amount of four percent (4%) ("FrontRunner Professional Fee"). A portion of the Donation is payable to our third party payment processors ("Processing Fee"). Donors acknowledge that by contributing Donations to Campaigns, Donors are agreeing to any and all applicable terms and conditions set forth by a third party payment processor, in addition to these Terms and Conditions. The portion of each Donation payable to and retained by our third party payment processors are:
• US Users ONLY: Third party payment processor charges a fee of 2.9% AND $0.30 per donation for VISA, MasterCard or Discover cards or 3.4% AND $0.30 per donation for American Express cards.
• CA Users ONLY: Third party payment processor charges a fee of 2.9% AND $0.30 per donation for VISA, MasterCard or Discover cards or 3.4% AND $0.30 per donation for American Express cards.
All Tribute Pay Fees and Processing Fees ("Fees") are deducted directly from each Donation and are not reflected in the amount which Campaign Organizers can withdraw from the Campaign. We reserve the right to change any of the Fees from time to time. If we change any of the Fees, we will provide notice of the change on the Website or otherwise, at our option, at least fourteen (14) days before the change is to take effect. Your continued use of the Services after the change in any of the Fees becomes effective constitutes your acceptance of the new Fees.
Indemnification: You agree to release, indemnify and hold Company and its affiliates and their owners, officers, employees, directors and agents harmless from any from any and all losses, damages, expenses, including reasonable attorneys' fees, rights, claims, causes of action, actions of any kind and injury (including death) arising out of or relating to your use of the Services, any Donation or Campaign, your violation of these Terms and Conditions or your violation of any rights of another. If you are a California resident, you waive California Civil Code Section 1542, which says: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR". To the extent you are a resident of another jurisdiction, you waive any comparable statute or doctrine
DISCLAIMER OF REPRESENTATIONS AND WARRANTIES: YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. COMPANY AND ITS AFFILIATES EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. COMPANY AND ITS AFFILIATES MAKE NO WARRANTY THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE, THE REMITTANCE OF ANY DONATION OR PORTION THEREOF TO THE BENEFICIARY OF ANY CAMPAIGNS, OR THE QUALITY OF ANY SERVICES.
LIMITATION OF LIABILITY: YOU EXPRESSLY UNDERSTAND AND AGREE THAT NEITHER COMPANY NOR ITS AFFILIATES WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY DAMAGES, OR DAMAGES FOR LOSS OF PROFITS INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICES, THE UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, THE STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICES, OR ANY OTHER MATTER RELATING TO THE SERVICES. IN NO EVENT WILL COMPANY'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES OR CAUSES OF ACTION EXCEED THE AMOUNT YOU HAVE PAID COMPANY IN THE LAST SIX (6) MONTHS, BUT IN NO EVENT MORE THAN ONE HUNDRED DOLLARS ($100).
EXCLUSIONS: SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE LIMITATIONS SET FORTH ABOVE MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SERVICE OR WITH THESE TERMS AND CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SERVICE.
DISPUTE RESOLUTION - ARBITRATION (READ CAREFULLY): You agree to arbitrate all disputes and claims between you and Company (including our respective subsidiaries, affiliates, agents, employees, predecessors in interest, successors, and assigns). Notwithstanding the foregoing, either party may bring an individual action in small claims court. Notice of Dispute ("Notice"). The Notice to Company should be sent to 2501 Parmenter Street, Suite 300A, Middleton, WI 53562, Attn: President, with a copy by email to support@tributepayments.com ("Notice Address"). The Notice must (i) describe the nature and basis of the claim or dispute, and (ii) set forth the specific relief sought ("Demand"). If Company and you do not reach an agreement to resolve the claim within sixty (60) days after the Notice is received, you or Company may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by Company or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or Company is entitled.
The arbitration will be governed by the Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes (collectively, "AAA Rules") of the American Arbitration Association ("AAA"), as modified by this Terms and Conditions, and will be administered by the AAA. The AAA Rules are available online at adr.org, by calling the AAA at 1-800-778-7879, or by writing to the Notice Address. The arbitrator is bound by the terms of this Terms and Conditions. All issues are for the arbitrator to decide, including, but not limited to, issues relating to the scope, enforceability, and arbitrability of the arbitration provision. Unless Company and you agree otherwise, any arbitration hearings will take place in Chicago, Illinois. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based. YOU AND COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Unless both you and Company agree otherwise in writing, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this arbitration provision shall be null and void.
Introduction
BOOKOFMEMORIES.COM, including mobile applications and related services (collectively the “Site”) is fully owned and operated by FrontRunner Professional, (the “Company,” “we,” “us,” “our”). Company takes your privacy seriously. We feel it is important that you fully understand the terms and conditions under which we use the information we gather from you through the use of our Site. Please read this Privacy Policy ("Policy") carefully to understand how we will use and protect your Personal Information. We will not share your Personal Information with anyone except as described in this Policy. Changes to this Policy will be announced on our Site, so please check back periodically. This Policy forms part of the Company’s TERMS AND CONDITIONS and is incorporated by reference to those Terms and Conditions.
This Policy outlines Company’s general policies and practices for protecting your private information on this Site. It covers why Company collects information, the types of information it gathers, how it uses such information, and the notice and choice affected individuals have regarding Company’s use of and their ability to correct their information. This Policy applies to all personal information received by Company whether in electronic, written, or verbal format.
Company reserves the right to modify this Policy at any time and will do so from time to time. Each modification shall be effective upon its posting to the Site. Your continued use of the Site following any such modification constitutes your acceptance of any change(s) to this Policy. It is therefore important that you review this Policy regularly. If you have any questions concerning this Policy please contact Company at support@frontrunner360.com.
1. Scope
This Policy covers the Site in part and as a whole. However, it does not apply to entities that Company does not own or control, including without limitation, Campaign, advertisers or developers of content. Company may include third-party links on the Site. These third-party sites are governed by their own privacy policies and NOT this Policy. Company therefore has no responsibility or liability for the content and activities of these third-party sites. Please check the privacy policy of any third-party site you interact with on or off the Site.
2. General Policy Provisions
Definitions
“Personal Information” includes both “Personally Identifiable Information” and “Non-Personally Identifiable Information”.
"Personally Identifiable Information" refers to information that lets us know the specifics of who you are and can be used to identify, contact or locate you. Personally Identifiable Information is requested when you register with us, make a Donation, correspond with us, or otherwise volunteer information, for instance, through the use of "Contact Us". Personally Identifiable Information may include, without limitation, your name, mailing address, telephone number, e-mail address, credit card number, and other identification and contact information.
"Non-Personally Identifiable Information" refers to information that does not identify a specific individual by itself or in combination with other information. We gather certain information about you based upon what you view on our Site in several ways. This information is compiled and analyzed on both a personal and an aggregated basis. This information may include the Site’s Uniform Resource Locator ("URL") that you just came from, which URL you next go to, what browser you are using, and your Internet Protocol ("IP") address. A URL is the global address of documents and other resources on the World Wide Web (‘Web”). An IP address is an identifier for a computer or device on a Transmission Control Protocol/Internet Protocol ("TCP/IP") network, such as the World Wide Web. Networks use the TCP/IP protocol to route information based on the IP address of the destination. In other words, an IP address is a number that is automatically assigned to your computer whenever you are surfing the Web, allowing Web servers to locate and identify your computer. Computers require IP addresses in order for users to communicate on the Internet, browse and shop
“Sensitive Personal Information” means Personal Information that reveals race, ethnic origin, sexual orientation, political opinions, religious or philosophical beliefs, trade union membership or that concerns an individual’s health.
Notice
Company shall inform you of the purposes for which it collects and uses Personal Information and the types of non-agent third parties to which Company discloses or may disclose that information. Company shall provide you with the choice and means for limiting the use and disclosure of your Personal Information. Notice will be provided in clear and conspicuous language when you are first asked to provide Personal Information to Company, or as soon as practicable thereafter. In any event, you will receive notice before Company uses or discloses the information for a purpose other than that for which it was originally collected.
Choice
Company will offer you the opportunity to choose (opt-out) whether Personal Information is to be disclosed to a third party or to be used for a purpose other than that for which it was originally collected or has subsequently been authorized. For Sensitive Personal Information (when applicable), Company will give you the opportunity to affirmatively or explicitly consent (opt-in) to the disclosure of the information for a purpose other than that for which it was originally collected or has subsequently been authorized. Company will treat Sensitive Personal Information it receives from anyone the same as it would treat its own Sensitive Personal Information.
Security
Company shall take reasonable steps to protect Personal Information from loss, misuse, unauthorized access, disclosure, alteration, or destruction. No company is immune from Internet attacks or data breaches. Company cannot guarantee the security of information on or transmitted via the Internet.
Data Integrity
Company shall only process Personal Information in a way that is compatible with and relevant to the purpose for which it was collected or has been authorized. To the extent necessary for those purposes, Company shall take reasonable steps to ensure that Personal Information is accurate, complete, current, and reliable for its intended use.
How to Access Your Information
Company offers you choices for the collection, use and sharing of Personal Information. You may notify Company of your preferences, or change any Personal Information, by emailing support@frontrunner360.com. Please be sure to provide complete account information so Company can identify you in its records.
You may also stop the delivery of future promotional e-mail from Company by responding directly to any email you receive with a request to remove you from the mailing list.
3.Reasons the Company Collects Personal Information
Company collects your Personal Information because it helps deliver a superior online experience, gives you convenient access to the Site for browsing, and allows key features of the Site to function properly. In order to better provide you with this superior level of customer service, our Site collects two types of information (referred to in this policy as "Personal Information") about our visitors: Personally Identifiable Information and Non-Personally Identifiable Information. In addition, your Personal Information helps Company keep you informed about the latest announcements, special offers, and events that you might like to hear about.
4. Information Company Collects About You
Any time a guest or member (collectively “Users”) accesses the Site they receive a “cookie” from Company. Company uses cookies (small pieces of data stored for an extended period of time on a computer, mobile phone, or other device) to make the Site easier to use and to protect both you and Company. These cookies give Company certain Non-Personally Identifiable Information about your use of the Site. You may remove or block cookies using the settings in your browser, but in some cases that may impact your ability to use the Site. Company may also use pixels, widgets and other tools to gather such Non-Personally Identifiable Information to improve the experience of the website or mobile application.
Company may contract with third-party service providers to assist it in better understanding its Site Users. These service providers are not permitted to use the Non-Personally Identifiable Information collected on Company’s behalf except to help it conduct and improve its business.
When you access the Site from a computer, mobile phone, or other device, Company may collect Non-Personally Identifiable Information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about the user base as a whole. Company will not use the information collected to market directly to that person.
Company keeps track of some of the actions you take on the Site such as member profiles and pages you view. Even if you do not provide certain information, Company may obtain it from you profile or the pages of its Site that you visit. Company may retain the details of connections or transactions you make on the Site.
5. Information You Provide to Company
To become a User, Company shall collect certain Personally Identifiable Information, which you are required to provide. Information that is not required shall be deemed voluntary and you may provide such information, although not mandatory.
While using the Site, you may provide text, files, images, photos, videos, location data, or any other materials (collectively “Content”) to Company by uploading, posting, or publishing the Content on the Site. Frequently, Content you place on the Site will contain a picture of your face. Company may retain the details of connections or transactions you make on the Site.
Where applicable, when you interact with other Users on the Site, you may provide other information about yourself, such as political or topical views, religious affiliation, or marital status. Any information in a public forum is accessible by anyone, including people who are not members of the Site. Please be aware they may share information you give them with other Users you may not know. They may also share the information outside the Site without your prior approval. Company does not have control over the actions of its Users and accepts no responsibility or liability for their actions. Please keep this fact in mind when using the Site, and use care when disclosing Personal Information to other Users of the Site.
Company may also collect information from ads you click on when using the Site. Company may also keep track of links you click on in e-mails you receive from Company. This is done to increase the relevancy of the ads you see.
6. How Company Uses Your Personal Information
Company uses the information you are required to provide to become a User in order to insure you are over the age of thirteen (13). THE SITE IS NOT MEANT TO BE USED BY ANYONE UNDER THE AGE OF THIRTEEN (13). If you are under thirteen, please do not attempt to register with the Site or send Company any Personal Information. Company may also use your age information to be sure you receive an age appropriate experience while using the Site.
Company will use the information it collects to provide, without limitation, services and features to you and facilitate payment for any Donations between Campaign Organizers and Donors and provide information to Campaign Organizers and Campaign beneficiaries. Company will also use the information to measure and improve the Site, and to provide you with customer support.
Company may contact you with new or updated products or services, designs, routes, surveys, or other related announcements from time to time. You may opt-out of all communications except essential updates. Company may include Content in the e-mails sent to you.
Certain software applications and applets transmit data to Company. Company may not make a formal disclosure if it believes its collection of and use of the information is the obvious purpose of the Site or its related application. If it is not obvious that Company is collecting or using such information, it will disclose its collection to you the first time you provide the information.
Company may use the information collected to prevent potential illegal activities. Company may also use a variety of methods to detect and address anomalous activity and screen content to prevent abuse.
Company may use your information to serve you personalized advertising. Company does not share your information with advertisers without your consent. Company allows advertisers to choose the characteristics of Users who will see their advertisements. Company may use any of the Non-Personally Identifiable Information it has collected in any fashion to select the appropriate audience. Company will not tell the advertiser who you are as part of this process. When you interact with an advertisement there is a possibility that you may receive a cookie from the advertiser.
7. How Company Shares Your Information
Company shares your Personal Information with third parties when it believes you have permitted such sharing, that it is reasonably necessary to offer services, or when legally required to do so. Company will not share your Personally Identifiable Information with third parties in a way that it thinks violates your privacy. The following non-exhaustive list contains examples of how Company shares or could share your information:
If Site allows you to invite a friend to join the Site or become a User, and you choose to do so, the invitation will contain information that will allow your friend to identify you. The invitation may contain information about other Users your friend might know.
Certain information you provide to Company may be shared by using the Site’s search function. This allows other Users to locate your profile and it allows new Users to find people they know on the Site.
Company provides some public information to search engines. This information allows search engines to locate the Site. It also allows people to locate you on the Site using a major search engine. This does not mean all information you post on the Site may be accessed using a search engine.
There are also times when Company may make certain Personal Information about you available to strategic partners or third parties. These companies may help Company process information, render services to you, manage and enhance customer data, provide customer service, assess your interest in products and services, or conduct research or satisfaction surveys. Without such information being made available, it would be difficult for you to use Company's Site and services.
Company may also share Personal Information when it has a good faith belief it is necessary to prevent fraud or other illegal activity, to prevent imminent bodily harm, or to protect itself and you from people violating the Terms and Conditions of the Site. This may include sharing information with other companies, lawyers, and courts or other government entities.
Company may disclose information pursuant to subpoenas, court orders, or other requests (including criminal and civil matters) if it has a good faith belief that the law requires such a response. This may include requests from jurisdictions outside of the United States if Company has a good faith belief that the response is required by law under the local laws in that jurisdiction, is applicable to users from that jurisdiction, and is consistent with generally accepted international standards.
Company may disclose analyzed data in the form of purchasing trends or statistical data. No Personally Identifiable Information will be attached to this disclosure.
8. Business or Asset Transfer or Sale
Company may be sold, sell or buy businesses or assets of businesses, or merge with another business. In such transactions, Personal Information generally is one of the transferred business assets. Also, in the event that Company, a line of business of Company, or substantially all the assets of Company are transferred, Personal Information may well be one of the transferred assets. Company will make a reasonable effort to provide notice on the Site, and to notify you via e-mail to the most recent e-mail address that you have provided of any such change in ownership or control of your personal information.
9. Miscellaneous
Privacy of Children
YOU MUST BE EIGHTEEN (18) YEARS OR OLDER TO ACCESS THE SITE OR USE ITS SERVICES. IF YOU ARE UNDER EIGHTEEN YEARS OF AGE, YOU ARE NOT PERMITTED TO ACCESS ANY OF COMPANY’S SERVICES FOR ANY REASON. DUE TO THE AGE RESTRICTIONS FOR USE OF COMPANY’S SITE AND SERVICES, NO INFORMATION OBTAINED BY COMPANY FALLS WITHIN THE CHILDREN’S ONLINE PRIVACY PROTECTION ACT OF 1998 AND IS NOT MONITORED AS DOING SO.
Protecting children’s privacy is especially important to Company. Company does not knowingly collect Personal Information from children under 13, but because some information is collected electronically, it can appear to be the Personal Information of someone over the age of 13, and will be treated as such by this Policy. If a child under 13 submits Personal Information and Company learns that Personal Information pertains to a child under 13, it will attempt to delete the information as soon as possible. It is Company’s policy to comply with the Children’s Online Privacy Protection Act of 1998 and all other applicable laws. Therefore, Company restricts the Site and all other provided services to persons 18 years or older.
Agreement with Policy and Continued Use of Site
Unless stated otherwise, Company’s current Policy applies to all information that Company has about you, your account, and access to the Site. By using the Site, you consent to this Policy and having your Personal Information and data transferred and processed as described.
Obituary
DECEMBER 14, 1935 – MARCH 8, 2022
“We will lay to rest this mountain beauty, that the Lord’s called Home”
“And I can see her up in glory, I can see her through the pines as Heaven’s Angels carried her away”
Well, yet another life story has come to a close. It is with sadness and so much gratefulness, that we announce, the passing of Margaret Ellen Kralik, also known to those who loved her, as Marg, Mom or her most favorite handle, “Honey”.
Where do we begin? To be able to tell the incredible story of Marg … So full of life and laughter. Our beautiful fun-loving mountain beauty!
Margaret was born in Golden, BC, on December 14, 1937, to her parents Neil and Ellen Cameron, along with her two older sisters, Ann and Cathy and then ten years later, her baby brother Don, would arrive.
Her mother was very strict, being the local teacher in town, and her father, with his gentle and kind disposition, decided to simply let Ellen be the disciplinarian, so consequently, Marg spent a great deal of teenage years, crafting ways to dodge her mom.
One particular story that Don shared, is that during the hot summer months, he would sleep in a single bed out on the covered porch of their big house on main street. He recalls plenty of times, Marg coming home very late and she would crawl into his tiny bed with him … along with the strong smell of alcohol on her breath. Although she loved him dearly, it wasn’t just her sisterly affection for him, that prompted her to do this – it was the almighty fear of getting caught by her very strict mother and much to Marg’s delight, her mom believing that she was an awesome big sister, would sing praises to her, for being such a wonderful, kind, and caring girl.
For as long as her own children could remember, she would boast to her kids about being a model student and how her favorite subjects were always P.E. and Social Studies, but after hearing the many stories of her younger years, it’s quite likely to them, that she actually excelled at Social Coordinating and Too Much Fun 101.
Golden was, as small town as it gets, and she, along with her best friends, Marlene, Maxine and Elsie pretty much ran the town for many of their growing up years.
After graduating Grade 12, Marg went on to Cranbrook to live with her cousin May and her husband Walt Ratcliffe, to complete her Grade 13. It was during this time, that she and her cousin Bev, known later to us, as Auntie Sparky, became as close as sisters. Marg, being the older of the two, did not manage to set a very great example but Sparky claims to this very day, that no matter how bad Marg’s kids were as teenagers, they couldn’t hold a candle to the two of them and their antics. After hearing this news, it is now believed, that Randy, Sandy and Greg, had set out on a challenge to give Marg a run for her money.
She finished up Grade 13 and headed back to work at The Golden Lodge for Bob Wong, who ran the restaurant. It is there that she learned the trade of being a waitress and much to her dismay, sometimes having to wash dishes. Unfortunately, she personally felt that this task was very much beneath her and word on the street, from her sister Ann, was that she was quite possibly “the biggest slob she ever laid eyes upon”. Ann said she had even found petrified apple cores and an occasional chicken bone under her bed. What a shock this was to her children when they discovered this dirty secret … this disgusting tidbit of information, that she had been hiding from them for years, because this, was most certainly, not the woman they knew.
Pretty much to anyone who knew her she was the most impeccable house cleaner. Like we are talking full on clean freak, with a sparkling home that was ALWAYS in “Apple Pie Order”. Every kid in the neighborhood had to learn the hard way and it was only sheer stupidity or great courage, that you dare step foot on her freshly vacuumed, plush carpet.
She was well known for her love of vacuuming, which sadly, she would pass on, as a quality trait, to only TWO of her children. As you may have already guessed, it wasn’t Randy, who had been fondly nicknamed, Pig Pen. She took great pride in the quality of an Electrolux and she was even more elated when she upgraded to the high powered, built in Vacu-Flow system and managed to wear out several carpets. Her dream though, which sadly never came to fruition, was to own her very own ride-on vacuum.
Marg moved to Calgary in the late 1950’s, where she attended The Henderson College of Business and though she recalls, there was not a whole lot of studying going on, she held a particular memory that she attended college at the same time that Winston Bruce had. He went on to be the famous rodeo arena director at The Calgary Stampede and she went on to be the famous fun director of parties and shenanigans.
After college she landed an office job and it was during this time, she met the good-looking Rudi Kralik, from The Drumheller Valley.
She always referred to him as “Rudi the Honky” “The King” or just plain old “Rudo”.
They began to casually date, but Marg, being unsure of the intentions of this good-looking Adonis, decided to put him to the test. He would call up for a date and she would make up any old story. Sick with the flu … babysitting her nephew… basically just not answering the phone … but in reality, she was out with the girls, having the time of her life. Her roommates will never forget the time that he rudely showed up unannounced, at their apartment and knocked at their door. She knew ‘this knock’, so instead of answering, like any decent girl would, she got down on her hands and knees, very close to the door and she barked like a guard dog. Poor Rudi!
She once had the audacity to tell him that she was heading to Golden to spend a quiet weekend at home with her parents. Well home she went, hitchhiking back to Golden (yet another shocking detail that her kids learned about this mother of theirs, and also to discover that this was something she did all the time) … so she arrived in Golden, only to turn around and come straight back to Calgary and party it up with the Golden gang …all the while poor old ‘Rudi the Honky’ was moping around her sister Ann’s place, waiting for her return.
Well, long story short, she could not resist his looks and charm and they got married!
Rudi was working for the phone company and Marg was working at the income tax office and the two were married on December 15, 1961. Soon after, along came their first-born son, Randy, followed by the birth of a girl, Sandra (Sandy) and three years later, Greg. They purchased their first house in Mayland Height and this is where they would settle and raise their family.
Marg was exceptional at multi-tasking. Juggling a full-time career and raising three children was not a common practice, back in those days.
She landed a job, not far from the house, as a switchboard operator at Crown Zellerbach Paper and Lumber company. This is the place where she would meet many a life-long good friends. These were truly the best of times! It was almost like she was plucked straight out of a ‘Mad Men’ episode. Not only was she smart but what a looker she was and she had an incredible eye for fashion. She loved Saturday afternoon shopping at The Bay and The Parisienne and she would outfit herself and her kids to the nines.
Marg had some really strange traits. One in particular that stands out, is her love for late night eating. People even called her “The Midnight Snacker”. Everyone knew this was a common occurrence. She once ate an entire roast all by herself between midnight and morning!
Another one of her talents was nicknaming people. She gave out so many fantastic nicknames to her family, friends and the neighborhood kids, that we actually forgot their real names.
She had the best attitude about not caring what other people thought of her. One of her all-time favorite sayings was “Do I Look Like I Give a Rat’s Ass?” and it would have definitely been engraved on her headstone, had she not been so specific in her will, about being cremated.
Take her like she was … ‘the real deal’. Sharp and witty and always full of fun. She flew by the seat of her pants and she just LOVED, as Rudi would call it, “GALAVANTING!” Over to the neighbor’s place after supper for tea, flying to her sister Ann’s in Illinois, travelling all over North America, with her many friends and family and in the later years just heading out to the mall, the movies, lunch & the casino with Sandy, Jean, Pat, or Suzanne. She truly had a gypsy’s soul.
Besides being an awesome mom and grandma, one of her best characteristics was her love and loyalty toward her friends. She loved her friends and she was a really good friend to many. It gives us a sense of pride and much comfort to know that her truest and life-long friends continued to stick with her during these last years of her life, when Alzheimer’s took over her health. It really is wonderful to know just how many of her friends loved her back too.
Marg was the queen of entertaining. Martha Stewart had nothing on this chick. Her parties were epic! She would cook for weeks ahead of time and lay out a spread fit for royalty. The house would be full of laughter. Fifty or sixty people singing and dancing to the best classic county & western tunes. It’s is during these times, that we her kids, truly learned a deep love for music. We look back now and see just what an amazing gift this really was. The children were always welcome to partake … in fact Marg and Rudi insisted. The more the merrier. We would also attend the parties of their friends. Auntie Judy’s was so much fun with all of the kid’s running wild, like Banshees. The family reunions at The Lake, The Ratcliffe’s & Auntie Heather’s. Auntie Marg would make those poor sweet little girls, Marnie, Kelly, Laura and Tara dance on the tables until the early morning hours … but honestly, it was the highlight of our growing up years. We loved her parties!
It is no wonder her kids got so damned good at it.
Looking back, her children have come to fully realize, just what an amazing and special woman she truly was! She had a true passion for life. She was brave and confident. She had to be …
She was raising “three assholes” (that is in her own words) who were putting her to the test, daily. How she never got put in “the nuthouse” is something short of a miracle. She was so skilled at juggling her home and work life and it took constant effort to be a good wife, a great mother and a successful career woman.
But it was these choices, that gave her family a far better life.
She organized and coordinator her life in a way that most people would never begin to even imagine. She was THE BEST at doing Christmas and Easter holidays and her extra income allowed for her and Rudi to take the family on the fun summer holidays and really enjoy some of the luxuries, that many didn’t have.
She truly sacrificed so much and she was selfless when it came to the people that she loved most.
A long and successful career and a great homemaker. She continued on as Office Manager at Crown in the Lumber Division, for many more years and even when she got short-changed out of her pension, that didn’t stop her from bouncing right back and landing a new job downtown, at UNOCAL Oil at the age of 50 something. She really was brave!
She loved the working life, but it was to really to nobody’s surprise, when her grandbabies came along, that she knew she had found something far better. Yes … this was right in her wheel-house! She was something! ‘The Baby Whisperer’. She could swaddle any baby and she even got tiny baby Kelly, with the worst cholic ever, settled down to sleep every night. She always knew what to do to comfort them and make them coo, smile and laugh.
She outfitted these precious little humans to the nines too.
Even her name was unique! Not grandma, granny, nana … Nope.
It was “Honey” … That is what each one of them called her and she forever, will be known as Honey.
Honey was the most amazing and fun grandma. She sang and played and laughed and read to them and taught them so much. Mostly, how to be goofy. She loved those little guys so much. Taking them everywhere … the park, swimming, winter festivals, camping.
They could do no wrong. She was like their “ride or die” grandma. No matter what they did, she would always defend them. They were perfect in her eyes.
They could have come home after being suspended for beating up a kid at school and she would be like … “but were you the cutest one there?”
She loved to sing to them. “Skin-A-Ma Rinky Dink” and of course the old classic written and produced by Marg herself “Leap the Leap The Dodo,” She fondly nicknamed them all “Piss Ants” and who could forget her famous poetry recitals like, “Ladies and Gentlemen, Hobos and Tramps”, which will forever be engrained into their memories.
While she was still that younger, hot and hip, grandma, she and Rudi would take Kelly and Brad on some fun mini vacations. But … there was this one particular time, when Brad went off with them by himself, to the USA, for some shopping and then back to Garbutt’s Lake, so he could do a little fishing with Rudi. AND of course, when the fun relatives were there, it was bound to get a bit out of hand.
Well, Marg “the lightweight”, overindulged just a little, on the white wine. She stumbled back to the trailer and fell into bed. Rudi and Brad of course were sound asleep, when they heard this terrible racket. Rudi hollers “Marg, what the hell are your doing?” She says “I’m gonna be sick”, as she raced for the door. Well, she never made it and she barfed all over the stove. The next morning, being rather sheepish and very ashamed of her actions, she made Brad vow to never tell this story to anyone … “especially to his mother”. Funny thing, though, it was the very first story he proudly shared when he arrived home. He couldn’t wait to rat her out.
“Traitor” she yelled, laughingly and this became his new nickname, that stuck for quite some time, thereafter.
Her complete and utter lack of drinking skills and getting tipsy after only two or three drinks, was well known, to all that knew her. Her puking became somewhat of an art-form. Now back in the 70’s, driving under the influence was not as frowned upon as it is today. So, Rudi would be driving home from the party and she would holler “pull over, I’m gonna be sick”. Rudi, knowing that this may draw some negative attention of sorts, just kept driving. Well, low and behold, somehow, she managed to find a quick solution … well, so to speak. She barfed right in one of those fancy purses of her and then another time, dead aim - right into the large pocket of her most beautiful fur coat! It was innovative, we will give her that … BUT only, because she knew she would NEVER hear the end of it, if she actually got sick in Rudi’s car.
Underneath all her fun-loving ways and all that goofiness, Marg also had a serious side. She was the most incredibly smart person and she cared deeply about the people in her life. She was the epitome of giver. Over the years, she helped so many friends and relatives get through some of their tougher times. She literally did give others “the shirt off her back”. She was thoughtful and kind and highly intuitive and she was the other half of the glue that held this family together. She was the strongest support system for her children and grandchildren and we could never re-pay her for all that she has given to us.
She never let anyone go hungry. She took in more stray kids and relatives … which Rudi lovingly referred to as their “Star Boarders”.
Marg was as ‘true blue’, as they came. She was a remarkable woman, a great wife, the most wonderful mom, grandma and aunt and a loyal and life-long friend.
She was always smiling and boy, we are going to miss her like crazy.
Marg’s love of music ran deep down in her soul. She never stopped singing and dancing and she could yodel with the best of them.
The last several years of her life, she was badly afflicted with Alzheimer’s, the most debilitating and cruel disease, and it put forth every last ditched effort, to rob her of her past and the years of so many treasured memories that were tucked away in her mind, like cherished souvenirs.
But … at the end, it was the music that we sang and the songs we played for her … and with her … that made her so very happy, and it soothed her. She never forgot the words to the so many songs that she loved over the years.
The last years of Marg’s life, were extremely challenging but the last few weeks, she became coherent and she was so vividly clear in her mind, again, which gave us all great solace, in knowing that she remembered so many of the details of her past and this incredible and wonderful life that she had lived. She knew exactly just how much she loved us … as well as just how very much we loved and cherished her.
Tucked away in her mind, were STILL all of the best memories of a life ‘well lived’.
Marg, was predeceased by her parents, Neil and Ellen Cameron, her infant brother Neil Alexander, her sisters Cathy Cameron and Ann Weaver, her Auntie Lil, her nephew Shaun Trouesdale, her closest and special cousin May Ratcliffe and her cousins Wayne, Gordon and Cam Ratcliffe.
She was also predeceased in 2021, by her husband, Rudi Kralik, of 59 years. They always loved each other through thick and thin, even when they joked about their “love-hate” relationship. They were dedicated to each other and it was a good love and it was real love and it was fun … well mostly. They stuck together during the difficult times and their love was definitely put to the test on many occasions, particularly when Greg had his serious car accident. They persevered and they taught their kids about the importance of family and commitment.
Marg leaves behind her very favorite brother Don Cameron (Judy) as well as her sister-in -law Margaret Cook (who sadly, we have just learned, of her recent passing on April 19, 2022), her USA family, nieces, Sue Podolak and Allison Trouesdale, her nephew Ralph Weaver (Traci) along with so many more family and friends.
The people that will miss her the most; her first born son, Randy (Karen) her daughter, Sandra (Tom), her youngest son Greg (Janice) and her most prized and beloved possessions; her five incredible grandchildren; Kelly (Chris), Brad (Kelsey), Dayle-Marie (Ty), Darry and Chase, and her two ‘greatest of great’ grandchildren; her special boy Jamie and her sweetest of sweet girls, “sweet smiling”, Gracie, as well as her honorary grandson Tanner.
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A private Celebration of Marg’s Life will be held on Friday, April 29, 2022 at 2:00 pm at The Royal Canadian Legion Chapelhow Branch in Calgary, for her family and closest friends, where we will share some stories and listen to some of her favorite music, raise a glass in toast to honour Marg and to celebrate the life of this beautiful mountain girl that we all loved so dearly.
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