Freda Mushlin

Freda Mushlin (Kushner)

Sunday, May 20th, 1923 - Sunday, May 24th, 2020
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Freda's Tribute Fund


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Freda's Tribute Fund

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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.

Obituary

Freda Mushlin, nee Kushner, age 97. Dearly beloved wife of the late Jack for 65 years; devoted mother of Elise (Paul) Rosen, Gary (Okki) Mushlin, Phillip (Marsha) Mushlin and Clarice Mushlin; loving grandmother of Jeremy (Melanie), Sheri, Brian, Michelle, Jennifer, Rebecca (Justin), Rachel (Jonny) and Sara and great-grandchildren Claire, Nathaniel, Natalie and Jack.. Dear sister of Norman (the late Dorothy) Kushner and the late Joseph (survived by Frances) Kushner. Fond aunt and great-aunt of many nieces and nephews. A private funeral service is necessary, however family and friends that can’t attend may view the funeral at Freda’s webpage on www.mitzvahfunerals.com Monday June 1, 2020, 10:30 AM live, or any time after the funeral. In lieu of flowers, memorial contributions may be made in Freda's name to the charity of your choice. Info Mitzvah Memorial Funerals 630-MITZVAH 630-648-9824.
Read Less

Service Details

  • Service

    Monday, June 1st, 2020 | 10:30am
    When
    Monday, June 1st, 2020 10:30am
    Location
    Private family service-Live web cast available below
    Address
    see video below
    Notes


    In lieu of signing a register book, please leave a condolence message on the "Memory Wall" of this webpage so the family can know who watched the service.
  • Reception

    Monday, June 1st, 2020 | 12:30pm - 3:30pm
    When
    Monday, June 1st, 2020 12:30pm - 3:30pm
    Location
    Zoom Shiva
    Address
    Address Not Available
    Notes
    Times are CST
    If using your computer, Join Zoom Meeting by link (no password necessary, click below):
    https://mit.zoom.us/j/9589390612?pwd=T2JrQllRTmF0VVRhVUt4MGFZMVMrdz09

    If using the app, enter
    Meeting ID: 958 939 0612
    Password: shiva

    If calling by phone, call: 1-646-558-8656, then enter
    Meeting ID: 958 939 0612
    Password: 352772
  • Shiva

    Location
    Zoom Shiva
    Address
    https://mit.zoom.us/j/9589390612?pwd=T2JrQllRTmF0VVRhVUt4MGFZMVMrdz09
    Notes
    Monday after the funeral from 12:30 to 3:30 CST
    If using your computer, Join Zoom Meeting by link (no password necessary, click below):
    https://mit.zoom.us/j/9589390612?pwd=T2JrQllRTmF0VVRhVUt4MGFZMVMrdz09

    If using the app, enter
    Meeting ID: 958 939 0612
    Password: shiva

    If calling by phone, call: 1-646-558-8656, then enter
    Meeting ID: 958 939 0612
    Password: 352772

Yahrzeit Calendar

    • May 24, 2020 : 2 Sivan 5780

        • 2 Sivan 5784 Saturday, June 8, 2024
        • 2 Sivan 5785 Thursday, May 29, 2025
        • 2 Sivan 5786 Monday, May 18, 2026
        • 2 Sivan 5787 Monday, June 7, 2027
        • 2 Sivan 5788 Saturday, May 27, 2028
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Condolences

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Private Condolence
CM

Clarice Mushlin

Posted at 11:33am
FREDA MUSHLIN
(May 20, 1923 - May 24, 2020)

Life Experiences, Stories, Values, etc.
(my recollections)

Mom would always joke that she should write a book! — Everyone who knew her … & who was privileged to have heard her stories … her lived experiences & the values contained in the wise, compassionate (& sometimes, humorous) decisions she made within them, would agree.

Unfortunately, that book was never written. So in her memory, & in her honor, I would like to provide a small sample of the many stories passed on to me … in an oral tradition. They span a long, full, rich lifetime.

The plethora of stories reflect not only the values of her era, but include my personal observations of her decisions … i.e., the stories developed within my lifetime, & their impact on me … They were illustrative of her lived Jewish values, & of the wise humor with which she handled life’s many stresses:

__________________________________________________________________________________________

The ROSENBERGS' LIFE IN N.Y. & Michigan:

Freda’s mother, Bessie Rosenberg (Kushner), her Zayde and Bubbe Rosenberg, & the rest of the family, entered the U.S through Ellis Island … during the Era of the Russian Pogroms. Bessie’s teenage years were spent working in New York’s Garment District. This was during the time of the Triangle Shirtwaist Factory fire. Like Frances Perkins (later Secretary of Labor under F.D.R.), Bessie & members of her family became staunch supporters of worker’s rights, of Unions & of the Labor Movement.

Even before coming to this country, Freda Mushlin’s Zayde dreamed of owning a (family) farm. The Rosenbergs eventually left New York & purchased a Farm near (in) Sodus, Michigan. While living on that farm, mom was a keen observer of her Zayde & Bubbe’s lived Jewish values. [Within the community, her Zayde was considered a "Hakham", a wise elder.]

Among those farm values … love & respect for the animals they tended. She regularly observed that her Zayde & Bubbe Rosenberg would ALWAYS feed the animals before eating breakfast. She often stressed to me that, according to Judaism, you must always take care of the animals BEFORE tending to your own needs. …

She used to show me photos of her Zayde with the Dairy Cows. He named each of them, recognizing their unique personalities. … And in those photos his demeanor & expression reflected his love & pride for each individual.

Also among the farm animal stories: mom’s childhood amazement at the seemingly complex social structure of chicken behavior. (These chickens were raised for eggs.):
Each morning, one specific chicken led the others out of the coop … & off to roam the farm; every evening, they returned, led by that same leader, one chicken following the other. She also recognized each individual chicken’s personality.

The Rosenbergs would also cultivate fruit & vegetables on the farm. They were known for the superiority of their fruit & vegetable products.

Later in life, members of the family (esp. those who continued in farming) continued to value the organic methods that made their produce highly valued. … They strongly denounced the advent of Agribusiness for its cruelty & its inferior, poisonous products … entailed by its profit-driven practices (incl. the use of herbicides/pesticides) … its idolatry of the Almighty dollar over the compassionate care of farm animals … & over the quality & safety of its produce.

These early experiences, I believe, enhanced my mom’s innate compassion for the welfare of animals. Among the many charities she supported, were animal sanctuaries (e.g., Best Friends Animal Sanctuary) as well as many other Animal Welfare organizations.

Other early farm memories included those of folk remedies for illnesses. Among these were the notorious Gogol-Mogol, which many of the farm children dreaded. (This was a drink concocted from raw egg yolks and sugar, beaten and ground until they form a creamy texture, with no discernible grains of sugar.)

____________________________________________________________________________________________

Childhood & Teenage Years in Chicago:

Freda Mushlin was born in Chicago on May 20, 1923. As a young girl, she remembered NEVER remaining in one place for very long. Her early Chicago school memories included being frequently moved from one school to the next. During the Era of the Roaring ‘20s … & during the subsequent Great Depression of the 1930s, wealth disparity permeated her world.

Within her many memories of poverty …

the hesitancy to invite friends to the home, as they rarely had even the rudimentary furniture that other families had; the times she would be teased by other children because her shoes were substandard.

One story stands out among the others:
One evening, as my mom’s father (Harry Kushner) was returning to their home. Bessie locked the door, & instructed the children to ignore his pleas to open it … to pretend no-one was home. This was necessary for Bessie to do, in order to support her children. To qualify for government assistance, there could not be an able-bodied male living in the home (esp. one who was not actively willing to be gainfully employed). [Bessie was a creative & skilled seamstress; she took in as many individual commissions as she could handle. But this was not enough to generate sufficient income to provide for the children. (At some point, Harry Kushner relocated to California.)]

[I surmise this experience occurred, after F.D.R. became President, & the New Deal social programs were introduced & implemented; mom rarely included the dates of specific events in her stories … she emphasized the impact of those experiences, & the lessons learned from them.]

________________________________________________________________________________________

High School & Junior College Years:

Among the many stories told of these years,
a few really punctuate her Jewish Soul & Values:

She would relate to me memories of her dates with "suitors":

For example, whenever eating out on a date, she always waited for the suitor to order. This allowed her to assess what her suitor could afford. She ALWAYS ordered a menu item that cost LESS than what her suitor ordered.

She and her girlfriends would always have with them “mad money”… just in case a date would act inappropriately, & they might end up having to find their own way home.

***Mom was always a compassionate seeker of wisdom. As opposed to the abstract intellectual seeking “knowledge” for “knowledge’s sake”… or for vain prestige, her wisdom was guided by empathy and compassion, & was grounded in life experience. ***

Mom was graduated from (H. Manley) H.S. (on Chicago’s West Side) in 1940; she was graduated from Herzl Junior College in 1942. During those years, mom’s teachers encouraged her to pursue a career in teaching; a career which would require a College Degree. She enthusiastically embraced the notion, but unfortunately, her mother became seriously ill around that time.

Even though her mother strongly encouraged mom to pursue her dream, i.e., to go to College to become a teacher, she decided to sacrifice this dream in order to remain close to her mother. Attending a “Teachers’ College” would require mom to leave her neighborhood … to be away from her mom, when she needed her most.

[Side Note: At some point before anyone knew Bessie was fatally ill, Mom’s dad, Harry Kushner invited Mom & Uncle Norm to live at his resort in California. They visited that resort; neither of them were happy there … Harry also offered Mom a place to live, while attending a university in California; she declined that offer. During that time, it was clear that Bessie’s health was not improving, prompting mom to cut her visit short.]

Bessie Kushner died in (1943?) leaving Norman Kushner an orphan at age 9 (?). Mom applied to become his guardian (at the age of 17), but under the law, she was deemed too young. Thus, my Uncle Norm was turned over to a Jewish Orphanage. (My Uncle Joe Kushner, younger than my mom, had at some point during this time, joined the Navy.)

Mom met (at "the movies"), fell in love with (at a dance in Chicago) & became engaged to my father (Year?). In the 1940’s (exact year?), he joined the Navy … many stories there too … but still too much ground to be covered.

[Side Note: When my mom first saw my dad, she was not all that impressed: I remember the story as going something like this:
Mom heard about my dad, from one of her girlfriends. He was working as an usher at a local movie theater. After first seeing him at this theater, mom's girlfriend said to her: "You should see the new usher at the movies, he's really cute!" Mom then went to the movies, saw the new usher, & said, "he's not that cute."]

Mom moved to, & lived in Boston, at my Dad’s request, since the Navy Ship, The USS Canberra (CA-70/CAG-2), was based there. While there, she worked for the Jordan Marsh Dept. Store. During this time, she developed her love of Boston.


After they married, mom became my Uncle Norm’s legal guardian, & he came to live with them.

_________________________________________________________________________________

My Early Memories of Mom:

When I was six months old, we moved into a house in a conservative, White suburban, largely Catholic, working-class neighborhood. (My parents could not afford to live in the “unrestricted” North Side Chicago Suburban Jewish areas, where many of their friends lived.) They belonged to a synagogue (B’nai Israel Congregation of Proviso) in an adjacent town, (first in Maywood, then in Westchester). She was very active in the Sisterhood. As a young child, I remember attending Sunday School, & beginning in 4th grade, attended Hebrew school. It was very important to my mom to provide her children with a Jewish education. On high holidays, we would walk the mile or so to the synagogue; as well as the mile or so back home.

[One of my earliest memories here, as a very young child (under 7 yrs. old): I was asked by one of the neighborhood children, “Why did you kill Christ?” My totally baffled response: I never killed, (or would kill) anybody!]

As their fourth & final child (with a significant age gap between me & the 3rd), my earliest memories cover a different set of experiences, than those of my siblings.

My father suffered P.T.S.D. from his experiences in the Navy (his ship was torpedoed by the Japanese in the South Pacific Arena). Unable to hold a traditional job, his mother (& my mother) set him up to be the “Proprietor” of a Dry Cleaning & Laundry Business, named Maryland Cleaners. (As per usual with these “mom & pop” businesses, the actual dry-cleaning process was provided by a vendor.)

While Dad’s mom was alive, mom was able to tend to the children & home on a full-time basis. My grandmother, Clara, died when I was six months old, requiring my mom to help out at the Dry Cleaning business & take me with her to work.

After the fire at their Oak Street store, they moved from store to store, continuing to re-establish Maryland Cleaners in new locations. Those buildings were in ... what were termed as ...“bad neighborhoods”. [This process of moving from store to store, was precipitated by the fact that they did not own the building(s) that housed their business.] When those building owners sold their buildings, my parents were forced to find a new building for their business. Finally, they ended up purchasing a building on North Ave. near the notorious Cabrini Green Housing Project. [Owning the building, provided them with the stability of not having to worry about moving.]

Unable to find a reliable babysitter for me, I was brought to Maryland Cleaners. As a toddler, I remember playing with boxes of buttons. I remember interacting with very kind & generous people … people who looked very different than me; people from different cultures than my own; people of the urban Black & Latino communities. [My dad loved making deliveries to, & visiting with his Puerto Rican customers; he especially enjoyed learning Spanish from them. … He became fluent in the language this way.]

I often observed my Mom & Dad "kibitzing" with their customers. Dad was a jokester, who enjoyed providing Delivery Service as part of their Dry Cleaning Business. My mom enjoyed getting to know their customers; she prided herself on providing superior service & quality work (through a quality vendor).

My parents always treated their customers (& the few employees they had over the years) with dignity, respect & warmth. Although my parents supported Unions, none of their workers ever wanted to join one; they perceived their working conditions to be relatively ideal.

After the Rev. Martin Luther King, Jr. was assassinated in April 1968, there were intense riots throughout the U.S.; they were especially violent in Chicago. The deep respect & affection they earned from their customers resulted in the following story:

After the assassination (& immediately prior to the violent unrest plaguing Chicago during that Era), my Parents’ customers came into the store to advise them to place a photo of M.L.K., Jr. in the window (which, of course, they did). Their business was the ONLY ONE in the area that remained untouched by that violence.

This is the kind of mutual respect / kindness fostered by my mother’s caring, compassionate, empathetic nature.

A somewhat humorous story my mom often told, was the following:

[This experience occurs during a normal, friendly interaction with one of her German customers.]:

Not knowing mom was Jewish, the customer commented on the nature of Jews as being cheap, greedy, stingy & always cheating. Upon giving him his "change" in the business transaction, my mom remarked … with her usual good humor & wit … “don’t let anyone say that THIS Jew cheated you”!

This customer was so impressed by my mom’s response, he continued to come into the store ... to regularly converse on various topics with her.

______________________________________________________________________________________________________

My Values & Observations
as imparted by Mom (& Dad) through observations of their behavior:


Mom (& Dad) never promoted / tolerated racist attitudes from their children. At the very least, we were not brought up that way.
While racism, sexism & ethnic hatred raged throughout the Nation during my formative years, I was clueless whenever I was confronted with those attitudes:

Example:

Some of the neighborhood children expressed to me their admiration for our Elementary School Principal … “because he wouldn’t allow 'The Blacks' into our school". … Again, I was under the age of 7 (& so were these children). I could not comprehend the perceived value of banning 'The Blacks' from our school. These fellow classmates were taught to hate; I was not.

Growing up in a White suburban neighborhood; while, at the same time, observing my parents at their place of Business … living / working / interacting … in an urban, ethnically diverse, poor / working-class community, exposed me to the kindness, compassion, humor & humanity of those who look different than ourselves.

During, perhaps, the most impressionable phase of my life, I participated in my mom’s life experiences, her value-based decision making processes, her wisdom & humor:

I am eternally grateful to my mom (& dad) for bestowing me with this extremely important value.
______________________________________________________________________________________

Some Notes on The Later Years:

[In October(?) 2003, my parents moved to Brookline, MA (in the Greater Boston metropolitan area) to be near their grandchildren (my brother, Phil Mushlin's children). Phil & his family lived in Newton, MA; my mom was 80 yrs. old at the time.]

Well into her 80s, my mom remained incredibly sharp; her mental abilities remained completely intact (vastly superior to mine, I might add). Which leads me to her "pet-peeves" in regard to her experiences "while elderly" ... (for example, shopping "while elderly", going to doctor appointments "while elderly" ... )
As an elderly adult, she was frequently treated like a child:

Example:
Whenever she initiated interactions with store clerks, doctors, nurses, or other persons who did not know her personally, the following, inevitably, occurred:

Instead of directly responding to my mom's inquiries, statements, etc. ... people (store clerks, doctors, nurses, etc.) would ignore her, responding, instead, to the younger person accompanying her on these trips. Often, that would be me. My mom's ability to absorb & process information has always been superior to mine. Therefore, I would redirect their response(s) back to my mom! ... (It was always comical to see their reactions!) They seemed to initially assume, since she was elderly, that she suffered from dementia.

However, I did observe an exception that proves the above rule / custom. [The "rule": when encountering any unknown elderly person, assume that person is senile, & treat that person like a child.] This exception entails actual observation before any (pre)judgement is rendered.

Here, whenever anyone, who did not know her, overheard my mom in conversation (or overheard her relating any of her stories / experiences / memories, etc.), they almost always became enamored by her wisdom:

Example:
On one of our annual summer trips back to Chicago (to visit with relatives, old neighbors & friends), Melanie (the daughter of one of her dearest childhood friends, Lillian) took us to a Museum which featured an exhibit on the old Chicago Jewish communities. As my mom was elaborating on the photos that we were viewing, I noticed a small group that seemed to be following us. It seems that the Guide found my mom's personal, extemporaneous comments very elucidating; in this case, my mom's age (and lived experiences) added credibility & richness to the events depicted by the voiceless photos. The Guide respected & admired her input.

In her mid to late 90s, however, she became increasingly frustrated that her memory & ability to focus had slowed down; also, that her vision & hearing had deteriorated significantly. My mom had always considered herself to be fiercely independent, but now required assistance to remain living "independently". Thus, in the past couple of years, mom became "home-bound", and increasingly required home care (physical assistance).

Nevertheless, even in these later years, my mom's mind remained remarkably sharp. Most of her friends & acquaintances were amazed at the richness of her experience, wit & wisdom, exemplified within the stories, memories, & advice she would share with them. Advice, by the way, that was only given when requested; she always seemed to avoid unsolicited commentary on another person's circumstances or predicaments.

Her part-time caregivers (Bianca & Lisa) frequently told me ... that they considered her "family"; that "she is like a grandmother to them". She also engaged in long, fairly intellectual conversations with a studious immigrant caregiver. Olga (from Moldova) is employed by Springwell. Mom referred to her as "a scholar", someone who loved to learn (& whose interests went far beyond the goal of gaining fluency in English). Mom enjoyed discussing American history, culture, & current affairs with Olga (which in turn, assisted her language fluency).

________________________________________________________________________________________

[This next section is a rough rendition of what I'm trying to convey concerning my mom's core values]:

FREDA MUSHLIN:

Mom considered her JEWISH IDENTITY as DEFINING her.

My observations:

THESE characteristics permeated her Soul & were reflected in all her stories, life experiences, conversations & decisions:

Jewish Identity: Compassion, Empathy, Self-Sacrifice, Humor, Wisdom, Tolerance, Love of the Arts (esp. Opera)

Mom’s core values:

Caring for Family;
Caring for Community;
Sacrificing material comforts for the welfare of others (esp. for Family / Community);
Advocating AGAINST cruelty toward those less fortunate;
Advocating AGAINST cruelty toward non-human animals;
Always stressed the intrinsic value of “doing for others”;
Especially stressed the importance of “Tzedakah”
Love of reading, love of learning, love of the Arts

Her charitable giving spanned many categories … including:
Animal Welfare, Animal Sanctuaries, Anti-Hunger Programs, Disability organizations, a variety of Jewish Causes, Veterans Organizations …
[The above shows just a sample of the categories.]

Family & self-sacrifice always superseded material gain.
Mom never favored one child over the other. She accentuated the positive in each; understood/tolerated the limitations of each. She would often find explanations / excuses for the disappointments caused by each at various times in her life.

Whenever I would be overwhelmed by feelings of low self-esteem, she would always suggest that I get involved in “volunteer activities”, that helping others is the best way to help oneself.

She bent over backward NOT TO INTERFERE in her married children’s lives. She prided herself on her financial independence, esp. from her children.

The ONE accusation that would hurt her to her CORE would be ANY suggestion … from anyone … but, esp. from a family member … that she would deliberately (or even unintentionally) treat ANYONE, with anything other than the utmost of respect, dignity & compassion; that she would place her own needs over the needs of others.

ALWAYS true to her core values: ... THAT (i.e., putting her own needs above those of others, treating others with anything less than the utmost of respect, dignity & compassion ...) is something that she NEVER did.
SC

Sara and Cary

Posted at 12:29pm
Sara and Cary
We were honored to be included in the heartfelt memorial and shiva events for Freda.
When Jack and Freda moved to Brookline (during our 30+ year friendship with Phil and Marsha) we especially enjoyed visiting with them at the family holidays and events. Freda was a rare and beautiful individual, a positive role model for family and friends of all generations and we will miss her.

Irene Tanzman

Posted at 04:28pm
We will miss seeing Freda at the Mushlin Sukkah party and other events. She was a great lady. Always nice and interesting to talk to. I remember once when Jennie was over for a playdate with Pauline. They were about four or five years old. Jennie was so happy and excited because Jack and Freda were picking her up.
MH

Melanie Heifetz

Posted at 01:00pm
To the Dear Mushlin Family,
Deepest condolences from our family to yours. We will always remember Freda with love and gratitude for the beautiful friendship and many acts of kindness she extended to our mother, Lillian, over the course of a lifetime. We hope you are receiving the love and support of all those who care about you- and that it helps sustain you in your grief, now and in the days ahead.
Wishing you peace,
Melanie Heifetz & Ann Censotti

Justin Belsky

Posted at 11:21am
I joined the Mushlin family when I married Freda's granddaughter Rebecca (daughter of Phil). All of my grandparents were deceased at that time. Bubby welcomed me into the family and quickly she became my new bubby. She was warm and always had wonderful stories to tell. She will be missed by all but her stories and memories will be kept in generations to come. We were honored to name our son (Jack) after her husband. I am so glad our children were able to meet such a wonderful lady before she passed. We love you bubby!
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