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Margaret Kilstrom

Margaret Jean Kilstrom (George)

Thursday, November 20th, 1930 - Friday, November 13th, 2020
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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

  1. 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.

  2. 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.

  3. 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.

  4. 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.

  5. 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.

  6. 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:

  1. 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.

  2. 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.

  3. 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.

  4. 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.

  5. 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.

  6. 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.

  7. 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

  1. 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.

  2. 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.

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Obituary

Margaret (George) Kilstrom, age 89, passed on to her heavenly reward November 13, 2020 after a brief illness.
A lifelong resident of Transylvania County and her beloved community of Little River, she graduated from Brevard High School and Brevard College and then went on to receive her B.A. in Education from Western Carolina University. She began her teaching career at Little River and Etowah, then went on to teach various elementary grades at Brevard and Penrose, retiring with more than 30 years of service.
She was active in Delta Kappa Gamma teachers’ sorority for many years. Her heart was knit to her church family at Little River Baptist Church serving as a Sunday school teacher, as well as in G.A’s, VBS, pastoral search committees and in many other capacities. She also volunteered at Transylvania Hospital with her late husband Fred for over twenty years. They both were also very active in Little River Community Club for many years. She adored her grandchildren and great grandchildren. She was also preceded in death by her sister Betty McCrary and niece Phyllis Cooper. Betty's two daughters Kim McCrary of Wilmington and Judy Culpepper of Woodstock, GA were also very close to her.
She was married to Fred Kilstrom for 63 years who preceded her in death in 2017. She is survived by sons: Tim (wife Vicki) Kilstrom of Grand Island, NE, and Eric (wife Susan) Kilstrom of Little River; five grandchildren: Mica Olinghouse, Ryann Kneeshaw, Ashley Kilstrom, Larson Kilstrom and Tori Garcia; and eight great-grandchildren.
A private family graveside service will be held at Little River Baptist Church Cemetery. The family will receive friends from 2-3 PM Wednesday, November 18, 2020 at Little River Baptist Church.
In lieu of flowers memorials may be made to Little River Baptist Church or Little River community Club.
Online condolences may be left at www.moodyconnollyfuneralhome.com
Moody-Connolly Funeral Home is caring for the family.
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To send flowers to the family or plant a tree in memory of Margaret Jean Kilstrom (George), please visit our Heartfelt Sympathies Store.

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Service Details

  • Visitation

    Wednesday, November 18th, 2020 | 2:00pm - 3:00pm
    When
    Wednesday, November 18th, 2020 2:00pm - 3:00pm
    Location
    Little River Baptist Church
    Address
    51 Little River Church Rd.
    PENROSE, NC 28766
    Get Directions: View Map | Text | Email
  • Graveside Service

    Location
    Little River Baptist Church Cemetery
    Address
    Crab Creek Rd.
    PENROSE, NC 28766
    Get Directions: View Map | Text | Email
    Notes
    A private family graveside service will be held.
  • Interment

    Location
    Little River Baptist Church Cemetery
    Address
    Crab Creek Rd.
    PENROSE, NC 28766
    Get Directions: View Map | Text | Email

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Mica Olinghouse

Posted at 08:53am
A Loving Tribute to Grandma Margaret:
An Adult Grandchild’s Perspective

From Granddaughter Mica Olinghouse (Tim’s oldest daughter)

From as far back as I can remember, there has always been Grandma Margaret and Papa Fred and the little house on Crabb Creek Road in North Carolina. They were permanent fixtures in my life—a symbol of the steadiness of home, family, cultural identity, and shared ancestral history that nothing else in the changing scenery of my global childhood could quite capture. No matter where we lived, how far away we moved, or how old we grew up, my grandparents provided a solid structure that kept us firmly rooted in the present and strongly anchored to the past. In the midst of life’s uncertain crossroads, Grandma Margaret, Papa Fred, and the little house on Crabb Creek Road reminded us of stability in changing times and the unconditional love that guides us through all the different seasons of life.

My memories of Grandma and Papa go back to the earliest days of my childhood in Louisiana. Until we moved overseas in my pre-teen years, our times together held some of our most consistent and memorable traditions. Almost like clockwork, we would make the long drive up from Louisiana to North Carolina every summer and Thanksgiving to spend time with my grandparents and relatives on my dad’s side. Oh, how I remember those innocent days of childhood…making a mess in the kitchen with Grandma as we iced cookies, playing school in the basement with Grandma’s old teaching supplies, placing our “order” at Grandpa’s Breakfast Bar, building tents with blankets and furniture, catching lightening bugs at night with our cousins, rolling down the grassy hills in the front yard, enjoying picnic lunches in the mountains, gathering together in the dining room for Grandma’s cooking or Papa’s grilling, going down Sliding Rock with Dad and Uncle Eric, hearing Papa lead the church choir on Sunday morning, listening to Grandma read or tell stories, and visiting with my great-grandmothers, great aunts and uncles, and distant cousins. The memories from these days are tender and vibrant, a cherished component of my formative years.

Once we moved overseas, things shifted a bit as new traditions and memories had to be forged with the changing geographical dynamic. Of course, our summers in North Carolina remained much the same while most of the holidays were spent apart during our years abroad. However, Grandma and Papa supported this new change and closed the distance through their extended love. During the holidays, my grandparents always sent gifts or cards. Not a week went by when we didn’t talk to them on the phone, and they were always the first to call on a birthday. I also remember fondly the visits they made to both Sweden and France—and how precious it was to have them travel the distance to enter our world so far away.

During my college years in the United States, another shift happened in my relationship with my grandparents as I began to explore my newfound independence and stretch my wings. Since I was now separated by continents and time zones from my immediate family, my relationship with my Stateside grandparents became even more precious. Ever so generous with their support and praise, they encouraged me in my studies and even came to visit me on campus at ORU. All throughout my 20s, they never forgot a birthday or a holiday and were faithful to call me to catch up on my latest news. It was during this season that my phone calls with Grandma Margaret became a gentle hand of steadiness through those uncertain young adult years. She was always there in my corner, never wavering in her love, compassion, or connection.

However, the biggest and most profound shift in my relationship with my grandparents happened in my early 30s about the time I married Jeff. At this point, I had fully crossed that bridge into maturity and adulthood. Gone were the easy breezy days of childhood and the uncertain years of my 20s—I was finally settled in my life, peacefully content in who I was as a young woman, and ready to embrace all the wonderful adventures God had planned for me and my new husband.

By this time, Grandma and Papa had also made a significant transition of their own. They had crossed over into their 80s—what turned out to be their last decade on this earth—and the circle of life was beginning to come into clear view. Fully aware that they were now considered elderly and that my time with them on earth was drawing to a close, I chose to actively treasure our last years together. All throughout my life, my sweet grandparents had continually sowed seeds of love, care, and generosity into me, and now it was my turn to sow back into these precious people whom I cherished so deeply.

It was here that my adult relationship with my grandparents began, and it was this final season with them that is perhaps the richest and dearest of all. Up until this point, I had seen only a childhood version of my grandparents—the one that views the top layer of personal experiences and pleasure without diving into the deeper waters of heart, character, and needs of the generation above us. During our many visits together to North Carolina as a young married couple, Jeff and I were able to learn, observe, and really come to know the beautiful depths of my grandparents’ souls. And what a treasure we discovered hidden in the deep, aged soil of Grandma Margaret and Papa Fred!

The first gem we encountered in this season was embedded in Grandma and Papa’s marriage union. As newlyweds, Jeff and I were seeking mentors and examples of longevity and faithfulness in marriage, and we found them in my grandparents. The tenderness, care, humor, sweetness, gentleness, peace, love, and devotion they shared together in their 63 years of marriage is like no other I’ve witnessed. They had truly grown together as one in Christ in their union, and their marriage itself testified of the love between Christ and the Church.

In their twilight years, Grandma and Papa were kind and considerate to one another, supported one another through declining health, and filled the atmosphere with laughter and love. Their moments of tenderness carried throughout the day and were revealed in their patience, their affection, their words, and their actions towards one another. One of my favorite moments I have of them just before Papa died is observing them slowly walk towards the house, stumped over and frail, hand in hand together. Their love was genuine and long-lasting, and it bore witness of their authentic relationship with the Lord.

Another part of their marriage that impacted both Jeff and I deeply was their prayer life. Many may not have discovered this hidden gem, but Grandma and Papa never went to sleep without praying together at night. I’ll never forget how during our visits, after Jeff and I had gone to bed, we could hear them through the old wooden walls praying together as husband and wife. This evening ritual wasn’t something they did just once or twice; rather, it was a sacred part of their covenant they held fast to every single night. Together, they would call out each family member by name and lift up their needs before the Lord. They prayed for their pastors and the needs of their community and nation. How it touched my heart to hear them mention my name and the name of my husband every night at bedtime. Even in my 30s, my grandparents regularly prayed for me! These powerful moments also taught Jeff and I how to properly lay a solid foundation in the early years of our marriage. If there were any couple that set the gold standard for a tender, godly marriage at the finish line, it was Grandma Margaret and Papa Fred. I can only imagine how delighted they must be to be reunited together now on the other side of eternity.

Another gem I discovered during this adult season with my grandparents was their abundant Christ-like fruit. Unlike others their age who may have yielded sour fruit cultivated by the disappointments, discouragements, wounds, pain, and losses in life, Grandma and Papa had rich, sweet, and absolutely delightful fruit. This delicious bounty was the harvest of a lifetime of serving the Lord and truly being His disciple. I learned that they were not just hearers of the Word of God but doers as well. I’m certain they faced trials and afflictions in life just like everyone else, but it was how they chose to process them, learn from them, and grow from them that created a sweetness in their old age that was tangible to all those around them. They were full of all of the fruits of the spirit, and it was this abundant yield in them that reflected Christ to those who knew them.

Grandma Margaret, in particular, was a woman of genuine patience and forgiveness. When others ignored her or mistreated her, she forgave quickly and without retaliation. In fact, I rarely heard her say a bad word about anyone! She was generous in her praise and frugal in her criticism. She always encouraged others in their gifts and talents and was proud of their accomplishments. I recall this blue landscape painting that hung over the piano in the living room, and every time Jeff and I visited her, she would point out that Larson had painted that piece and given it to them as a gift. She loved each one of her family members and accepted them all in the unique way God had made them. In all honesty, there is not one person other than my husband who has shown me such unconditional love and acceptance all throughout my life. Grandma worked to understand others and reached out in friendship and care to family, friends, and neighbors alike.

Another particular Christ-like fruit that grew in bounty in Grandma’s life was that of hospitality and neighborly love. That woman was always on the phone talking to someone! She was faithful to reach out to others, and she was often the first one to make a step towards friendship or reconciliation. Her home was open to all, and she blessed many through her homemade dishes and meals. She was welcoming to guests even during inconvenient times, and her home often became a sanctuary for family, friends, church family, neighbors, and community members. She judged little and honored many through her time, acts of service, and generosity.

Like Papa, Grandma was also rich in good works, another Christ-like fruit. I grew up knowing both my grandparents were heavily involved in church and in this organization or that, but it wasn’t until about 4 years ago on a recent trip to their home that I discovered the depth of their community service. For some reason, the swinging door that connects the living room and hallway was closed one day during our visit, and as I looked at the wall, I was shocked to see a plethora of plaques honoring the many years of service both my grandparents had given to their church and community. I’m sure I had seen that wall of plaques before, but on that particular visit, I really saw it for the first time.

As I read each plaque and the many honors bestowed on my grandparents for their years of service to others, my eyes pooled with tears. I had not realized the depth of generosity, selflessness, love, care, and compassion that had flowed for decades from these two precious hearts. They had reached out in love to just about everyone in their entire community – including leading young people at church, volunteering in service organizations, working in community leadership, and touching the sick and wounded at the hospital.

The walls in their house lined with plaques spoke not of great material awards or worldly achievements, but of the rich rewards of service to God and man. I can’t even begin to imagine what the Lord is saying to them now in heaven – for only eternity knows the true value of their genuine good works here on earth. There is no telling how many people encountered the living Christ through their expression of Him in their service to mankind.

One final gem that I uncovered during these last few years with Grandma was the joy and fulfillment she had found in life by connecting with and stewarding her God-given gifts. From a Biblical perspective, her primary motivational gift was that of a teacher—and surprisingly, it was one we both shared. While my teaching gift is expressed through my work as a writer, editor, and Bible teacher, Grandma’s was expressed through her career as an educator and her ministry as a Sunday school teacher. This gift of teaching wove throughout all facets of her life and even showed up in how she played school with her grandkids, read books, or told stories to others. Grandma had an insatiable curiosity, which is the learning component of the teaching gift. It was this beautiful inquisitive mind that also caused her to ask so many questions! Her constant curiosity revealed her open mind, love of learning, and desire to share with others the knowledge she had found.

More importantly, Grandma’s teaching gift made an incredible life-long impact on her students. Without fail, we would run into people all the time who would stop Grandma and say, “I remember you, Mrs. Kilstrom! You were my teacher so many years ago.” In fact, during our trip up to visit Grandma last year, an elderly woman stopped us at the door of the Fish Camp and said, “You’re Mrs. Kilstrom, right? I remember you taught my son in school.” If parents can remember Grandma as a teacher decades later, I can only imagine how deeply her life and gifting influenced so many students throughout the years. Her faithfulness to follow God’s chosen path for her life and bless others through her gift has encouraged me to steady the course and steward my own gifts and callings. May I be as faithful and genuine as she.

As the aging process accelerated in my grandparents’ minds and bodies during this final season, I knew that one day soon I would have to say goodbye to their physical presence on this earth. This would be a hard loss and one we’ve partially endured already with the passing of Papa Fred three years ago. But it is with the passing of Grandma Margaret that brings a finality to the story I’ve held in my heart all these years.

Throughout every season of life, there has always been Grandma Margaret, Papa Fred, and the little house on Crabb Creek Road. They’ve been there to steady me in the present, anchor me to the past, and point me forward to the future. Together, they’ve served as a foundational stone of my life, providing me with both roots and wings as I charted the course from youth to adulthood. While I deeply mourn the loss of their earthly presence in my life along with the love, friendship, mentorship, and examples I so treasured in them, I celebrate the hope of Heaven and the joy we all share in knowing the Lord.

As Grandma has now followed Papa into the glory of eternity, I am confident they are both watching me from the grandstands of heaven, cheering me on in my spiritual race. May the lessons they taught me in marriage, prayer, fruitfulness in Christ, unconditional love, abundant good works, and stewardship of gifts continually be reflected in all the changing seasons of my life.

Today, it with pain and sadness that I close this beautiful earthly story of my beloved Grandma Margaret and Papa Fred. As I tearfully and tenderly rub the well-worn covers of this cherished book and place it on the shelf with a kiss, I know in my heart another one is being written…and only Heaven knows how this one will never end.


 
K

Kim McCrary Posted at 03:51pm

Mica, this is a beautiful tribute. She loved you very much and rightfully so. You are a precious and beautiful woman who reminds me of Margaret. She definatley is everything you described. We were lucky to have them both in love and as an example. Kim
K

Kim McCrary

Posted at 03:52pm
Our girls
K

Kim McCrary

Posted at 03:40pm
My Aunt Margaret was a faithful servant of GOD, a wonderful kind woman any niece would adore. She and Uncle Freddie were always there for me supporting and praying for our family. Her favorite things were being with Fred, her church, reading her bible every night, time with family, watching TR plant corn ( she put up 96 ears this summer ) and picnics at Sycamore Flats . She was strong and never said a harsh word about anyone. I looked up to her in everyway and she was my good friend. So smart and called me very often to say hi and check on how things were going. She was curious and inquisitive. Her son Eric has done a wonderful job of tending to her every need since we lost Fred. She was so independent... always telling me she could do it herself. We were planning on spending this Thanksgiving together. She had planned our menu telling me what should I bring. : ) I know she will have a real Thanksgiving now with Fred and my mother. We will miss her, but I know she is happy.
Kim McCrary
 

Mica Olinghouse Posted at 09:06am

Beautiful memories of Grandma, Kim! :) Hugs to you and strength today. We also enjoyed visiting Aunt Betty on our trips up to see Grandma. May the comforting presence of the Holy Spirit be with you and Judy especially this holiday season.
AW

Ann Wilkinsonn

Posted at 09:56am
A kind and dedicated teacher, Mrs. Kilstrom was loved by all her students. Even after 60 + years, she still remembered my name when our paths crossed.
Ann (Loftis) Wilkinson

Dolly McCall

Posted at 05:42am
Margaret had the kindest soul. She loved everyone she met with a godly love. She and Fred enjoyed sitting on their porch watching us work at the farm and we loved watching them watch us. Our church, community, and children will miss her dearly. Praying for each of us in the coming days, weeks and even years.
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