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Esthermary Zippilli

Esthermary L. Zippilli

Tuesday, June 3rd, 1947 - Friday, March 15th, 2024
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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

Esther Mary Zippilli (Morrell), at the age of 76, flew high and free into the arms of her Lord and Savior, Jesus Christ, on March 15, 2024, at 8:05 pm, surrounded by loved ones in her home in Mays Landing, NJ, after a full life dedicated to the service and love of all the people who were a part of her life.

She was born in Camden, NJ, on June 3, 1947, at Cooper Hospital to predeceased parents Elwood Zechariah Morrell and Esther Morrell (Murphy). Esther Mary passed away on her Mother’s birthday. It is true to her personality because she never missed a celebration. Esther Mary graduated from Cherry Hill East High School in 1965.

Esther Mary met her soulmate, John Joseph Zippilli, in August 1964. They were together for 60 years and married for 57 years. The first time they met was at the Dunkin Donuts parking lot. John looked over and saw her for the first time. He told his friend, Pete, “I’m going to marry that girl.” His friend just laughed. He walked over and introduced himself, and asked for her name. She was with her cousin Mary at the time. She stated her name and walked away. The next time John saw her, she was a passenger in another car on a double date. John saw his chance to get her attention. He drove beside their vehicle and pretended to act like he was riding a horse and they were in a race. Esther Mary looked over at him and laughed. She then looked at her date and thought about how she wished she was in the car laughing with John. From that moment on, they began dating, and the rest is history.

They exchanged vows at Saint Peters Church in Merchantville, NJ, on August 20, 1966. When John looks back on that day, he chuckles with funny memories. His friend Pete leaned over to John and said, “Come on, John, we can go out that back door!” John responded, “Nope. No way.” He was thrilled to be marrying her. The church had the longest isle in South Jersey. The organ player was sick and didn’t show, so they had no music to walk down the aisle, which made it feel awkward, especially with such a long aisle. Their song was “Fly Me to the Moon” by Dion and the Belmonts. John looks back on those memories with a smile. John and Esther Mary were never a part and could be found laughing and joking with one another. They made each other coffee each morning and always made time to sit and conversate about everything. They could be seen going for walks through the neighborhood or bike rides together. Whatever they did, they did it together. They were fully committed to one another and deeply devoted.

Esther Mary and John went on to have five children together. When she was a little child, she stated that she didn’t want to play with toy babies. She had always dreamed of having real babies and lost interest in dolls. Being a mom was something she dreamed about even as a child. She was there for school trips, birthdays, every big life event, and countless graduations. She moved seamlessly into the Grandmother role with her seven grandchildren, babysitting every chance she got. She was a hands-on mother and grandmother.

She was a devoted mother raising her children, so it took her years to discover her true calling and find the perfect career. She dedicated twenty-one years to working as a counselor for Career Opportunity Development INC, caring for individuals with intellectual disabilities. Her caring empathy won over her clients, making her the favorite counselor. She arranged day trips and outings, took them to doctor appointments, and monitored all the medication. They were always in good hands when she was there.

She had a love of life and a great sense of humor. She was genuinely optimistic in nature and could always find the good in people. She was known for her great one-liners and quick comebacks that always had us laughing. A story our family shared with a laugh was the time she vacationed in Massachusetts. While driving through Plymouth at a red light, she looked at the people walking and driving in the cars. With a serious look, she stated, “Oh, will you look at that? They look just like us!” Everyone in the car laughed, and she was never able to live that one down. Another funny story is when she was vacationing in Florida with her family. She said she wanted to give her husband, John, a break from driving and took over. John was dozing off when Esther Mary said, “I just woke up!” needless to say, John drove the entire vacation after that.

Another fun fact about her was that she disliked her name. When calling to order anything over the phone, she would always use a different name that changed frequently. John would run out to get the pizza and come back laughing, saying, “Here is your food, Rihanna.” Each time she had any pickup order, we knew to ask whose name it was under.

Her hobbies included sewing projects and baking. She hemmed pants, made blankets, curtains, and fixed countless clothes for everyone in the family. She could also be found in the kitchen with her apron full of flour. She was known for her homemade rolls, stromboli, and sticky buns. She also enjoyed music and played it loud as she worked on her projects. She wasn’t shy about singing and would belt out her best Celine Dion and Martina McBride, to name a few. Music was something that she truly enjoyed.

Esther Mary loved attending Mission Point Church in Somers Point, NJ. The first time she attended services there, she said, “I found my church.” She attended frequently and connected with the fellowship. She would sit beside Eleanor or a family member and enjoy service. Throughout life, Esther Mary had a close relationship with the Lord. She believed in the power of prayer and miracles. Her one message she wanted to pass on to others was to work on their relationship with God and know he is always there. We are all comforted knowing that Esther Mary is with Jesus and all of her loved ones in Heaven. She will be deeply missed by everyone. “No eye has seen, no ear has heard, and no mind has imagined what God has prepared for those who love Him.” 1 Corinthians 2:9

She is survived by her husband, John Joseph Zippilli; son John David Zippilli; son Christopher E. Zippilli and wife, Rhean Zippilli (Rundio); son Kevin J. Zippilli and wife Melissa Zippilli (Snyder), daughter Kimberly Hildebrand (Zippilli), daughter Amy M. Pitale (Zippilli) and husband Thomas Pitale.

Grandchildren Christopher J. Zippilli, Colin J. Zippilli, Brandon T. Pitale, Alexis Pitale, Kevin J. Zippilli, Sienna Zippilli, and Noah G. Hildebrand. Esther Mary affectionately and lovingly embraced Elizabeth and Isaiah as her grandchildren.

Nieces and Nephews Christopher Zippilli, Jean Louise Zippilli, Jennifer Zippilli, Anna Marie Zippilli, and Tara Zippilli (Bedford), predeceased Lisa Zippilli.

Brother-in-law predeceased Vincent Zippilli survived by wife Kathy Zippilli, and predeceased Thomas Zippilli survived by wife Cathy Zippilli.

Donations can be made in her honor at National Ovarian Cancer Coalition ovarian.org.



“I met my wife on a Friday night when my friend Pete and I went to the Dunkin Donuts. I saw this beautiful girl coming out the door and said to Pete, “I’m going to marry that girl.” He just laughed at me. At first, she didn’t want any part of me. But I was on a mission; everywhere she went, I went. She finally gave in, and the rest is history.

She probably saved my life because I was classified 1A for the draft in Vietnam for three years. I would have gone to Vietnam, but I couldn’t leave her. I decided to join the Army Reserve, believing I had a better chance of staying in the States. Luckily, it all worked out, and it was because of her.

The funny thing is I never asked her father for her hand in marriage. I just said to her, “Me wants to marry you!” I loved making her laugh, and that was us. She got me right away. I didn’t need to go all out because she knew what was in my heart.

We both said the most important thing to one another was, “I will always be there, I’ll never leave you, and I will always take care of you.” You’re in heaven now; I hope I made you happy. Thank you for the five wonderful children and seven special grandchildren.”

I love you always,
Your husband,
John


“My mom always took good care of me. She was there when I was sick and would take me shopping for whatever I needed. My favorite memory with my mom was going on day trips together. We would go to Lancaster, PA, and shop together, go out to eat, and look at the barns. I also enjoyed going to the 4H fair with my mom. We would walk around and look at the animals together. My mom and I loved animals and enjoyed visiting them and caring for our pets. My mom always greeted me when I came home from work and said, “John, you look tired. Go lay down in your room and rest.” It made me feel loved; she always cared about me. We sat together and watched our favorite shows on TV. Another favorite memory is my mom taking me to dinner with my friend Jaime and her sister. We had a nice time, and I will never forget that birthday. My mom always gave me good presents, and she always knew what I liked. I will miss hearing her laugh and telling me, “You’re doing a good job. I’m proud of you, and you’re a big helper.” I enjoyed caring for my mom, and I will miss her.”

Love your son,

John

Mom,

“You left me with beautiful memories. Your love is still my guide, and though I cannot see you, you’re always by my side. I’m going to miss coming over for breakfast and Facetiming you when I was away. You loved the scenery. You said it was like you were there. Knowing you are in a better place now brings me peace.”
Love you forever.
Chris

“She would say the only thing in life that she wanted to be was a mother, and she was great at that. We will miss our yearly vacations to Myrtle Beach and the Outer Banks, where you would make your pepperoni bread. Most importantly, we will miss you. You have said that you don’t want us to be sad about your passing because you are in Heaven with your parents. Instead of being sad that you passed, you asked everyone to pray and think good thoughts of you.”
Love your son,

Kevin

“My mother was devoted, and her family was her entire life. She endured grueling chemotherapy so that she could have another day with all of us. She never complained about being sick. She continued with a fierce determination not to leave her family. When asked if this was too much for her, she would say, “What, and leave my family?” To her, there was no choice but to put up the fight of her life. She always said, “If there were any danger, I would throw my body before you and protect you all. I would die for you.” I always remembered her saying that to me. She would say that is what a mother does for her children. Watching her make the decision to fight through treatments reminded me of how she would always choose her family over anything that came her way. To say how proud I am of her strength and willpower is an understatement.

I want to share some of my most cherished memories of my mom and the impact she made on me as a person. As a child, my mom always made my birthdays feel special. She would pick me up from school and take me out for a picnic at the park or do whatever I wanted because, as she stated, it was my day. My final birthday we shared was spent in Lancaster, PA, with my son Noah. Birthdays won’t be the same without her, and I will carry on her memory by making birthdays special for my son.

When I was a little girl, she joined me on my school field trips, which always made me feel special for that day. When I was a kid, I remember her watching Oprah shows and wanting an hour of silence from her five kids. We never did give her an hour of quiet time in our loud house. She always had so much patience with us that it was almost comical. Once, she chased us around with a fabric slipper to smack us, and when she did, it was so soft that we would laugh. We knew her level of patience and sense of humor. My mom never cursed or hit us, even if we sometimes deserved it.

In my early twenties, we took a day trip and passed Richman’s Ice Cream Restaurant in Pilesgrove, NJ. She said with excitement, “You know what? I want to get ice cream here with you! Let’s make a memory.” We got ourselves a table and ordered our ice cream, and as we were waiting for our ice cream to come out, she said, “Don’t ever be too busy to stop and make a memory. A memory will last a lifetime, and this may take forty minutes out of our schedule. I want you always to remember this day we stopped here for ice cream.” I remember smiling at her and nodding. At that very moment, I realized how right she was, and after that, I stopped to do the little things that count and focused on building memories with people I care about. Mom, I never did forget that memory.

My mom and I enjoyed sewing projects and frequently visited the fabric store together. Some of my funniest stories about my mom are in that store. We were shopping partners, and it was our thing. We were coworkers for many years, working side by side for the same company. My mom also enjoyed taking pictures. She once took my picture and lost her footing and fell. Like in slow motion, she began to roll down a hill and never stopped taking my picture. We laughed so hard we had tears in our eyes. It’s my favorite picture because it captures me laughing at my mom’s sense of humor. When I look through my most cherished memories, my mom was behind the camera. She always attended every event.

She was there to drive me to the hospital when I was in labor. She was so excited that she kept saying she felt like she was in labor, too, and almost side-swiped another car out of excitement. Getting to the hospital was a wild drive, and I’m glad she was a part of that special day. After I gave birth, she spent countless hours with her grandson Noah so I could get some needed rest. I walked in on her once holding her grandson and listening to “My Heart Will Go On” by Celine Dion. She swore he could hit a high note, and I had just missed it. She always said, “He loves music and can sing because I would sing to him as a baby and play music.” I believe that to be true. Our last time singing together was a few months before she passed away. Mom, Noah, and I each had a toy musical instrument to play and sang to Boeheim Rhapsody Muppets version. We all laughed together and smiled throughout the entire song. My mom knew how to have fun with us. Noah will miss Grandmom reading him books; it was their favorite time together.

Lastly, my mom was my biggest supporter. When I was going to college, I would call her on my long drive home, and we would talk about everything I learned in class. She read every paper I ever wrote, and we would joke that she also earned a degree with me because of how involved she was. I envisioned her in the audience in every public speaking situation, which calmed me. She always pushed me to continue my career, and I always wanted to make her proud. I owe a lot to her and the support she always gave me to keep going.

Mom, thank you for being my number one supporter. Thank you for teaching me about motherhood and how to slow down enough to make long-lasting memories. Thank you for always being there. I will keep you in my heart and cherish every moment we shared together. I know you will be there with open arms to greet me into heaven when my day comes. I know we will be together again and you won’t miss any special occasion. You will show up as you did in life. Our bond as mother and daughter cannot be broken. Our love will continue to grow. I will miss you, Mom. Until we meet again.”
Love you forever,

Kimberly Ann


“Most people want to be famous when they grow up. My answer when I was asked was that I wanted to be just like my mom. Mom handled everything she faced with grace and dignity. She was happiest surrounded by family. She loved to bake, sew, and take care of her family most of all. She attended any school function she could for her kids and grandkids. I adored you and always will. I will always be your baby. Our bond will never be broken even though you’re not physically here. Love you forever, Mom.”
Love,
Amy
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