410-653-8900
Sandra Silberman

Sandy (Sandra) Seltzer Silberman

April 7, 1934 - September 19, 2023
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Sandy (Sandra) Seltzer Silberman's Tribute Fund


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Sandy (Sandra) Seltzer Silberman'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.

Service Details

  • Service

    Wednesday, September 20th, 2023 | 2:30pm
    When
    Wednesday, September 20th, 2023 2:30pm
    Location
    Sol Levinson's Chapel
    Address
    8900 Reisterstown Road
    Pikesville, MD 21208
    Get Directions: View Map | Text | Email
  • Interment

    Location
    United Hebrew Cemetery
    Address
    3979 Washington Blvd
    Arbutus, MD 21227
    Get Directions: View Map | Text | Email
  • Shiva

    Location
    Family Residence
    Address
    2 Huntersworth Court
    Owings Mills, MD 21117
    Get Directions: View Map | Text | Email
    Notes
    Shiva will be observed on Wednesday evening, 6:45-9:00 pm, Thursday from 10:00 am - 4:00 pm and 6:45-9:00 pm, Friday from 10:00 am - 3:00 pm with Services at 7:00 PM on Wednesday and Thursday

Donations

Donations are being accepted for:
The Associated: Jewish Federation of Baltimore

101 W. Mt. Royal Avenue, Baltimore, MD 21201

Obituary

Sandra (Sandy) Seltzer Silberman, of Baltimore Maryland, passed away on September 19, 2023 at the age of 89.

She is survived by her beloved children, Susan Liebeskind (Peter), Debra Weinberg (Joe), Amy Blow (Colin) and Joy Solomon (Michael); cherished grandchildren, Joe Liebeskind (Jenna), Sam Liebeskind (Katie), Adam Liebeskind, Dara Liebeskind, Jenna Weinberg (Jake Prosnit), Dani Dixon (AJ), Ben Weinberg, Emma Solomon, Jordana Solomon; step-grandchildren Simon Blow (Louise), Alix Holmes (Joe); precious great-grandchildren Shay, Micah, Ronen; step-great-grandchildren Emmie, Zach and Tommy as well as her beloved sister Toba Penny and dear nieces, Joanna Holzman (Nate) and Dina Shniderman (Scott). She was predeceased by her husband, Eugene Silberman; sister Deanna Seltzer and parents, Jessie and Harry Seltzer.

Sandy and Gene were happily married for 38 years until Gene’s premature death in 1995. True to her optimistic spirit, Sandy moved forward, recounting not her losses, but her blessings - the beautiful marriage they had, the adventures they shared, and the ever-growing family they created together.

Sandy’s four daughters, and later their husbands, brought her enormous joy and kavod and she reveled in her role as grandmother and Bubbe. Family (including the cousins clubs—the Singer Link and the Seltzer Tree) as well as friendships (some that spanned more than seven decades!) were at the core of her happiness. As important as creating a loving and welcoming home, Sandy enjoyed traveling and experiencing diverse cultures, people and cuisines.

Sandy was a lover of letters and words (“avuncular” was a particular favorite), an avid crossword puzzler, skilled in Scrabble (maybe less so in Bridge), a collector of owls and an early adopter of the healing value of numerous indoor plants. Shabbat dinners at the Silberman home were well-loved and remembered and visitors always welcomed.

A proud graduate of Forest Park High School (Class of 1952) and Goucher College (Class of 1956), Sandy was a lifelong teacher and learner, beginning with a short stint teaching at Garrison Jr. High. She was also a long-time community volunteer and a partner to her husband Gene at the Resisto Tie Company, as she told us, “an office worker without a title!” She participated on many boards in the Baltimore community, including eighteen years on the Board of Levindale culminating in the role of Board Chair.

As was her wish, Sandy died as she lived, surrounded by people she loved, in an atmosphere of gratitude for the blessings of her life.

We are grateful to her devoted aide Judith Walcott who has been a great source of love and caring for Mom over these past two years.

Services at Sol Levinson's, 8900 Reisterstown Road, Pikesville, MD 21208, on Wednesday, September 20 at 2:30 PM. Interment at United Hebrew Cemetery, 3901 Washington Blvd, Arbutus, MD 21227. Please omit flowers. Contributions in her memory may be sent to The Associated: Jewish Federation of Baltimore, 101 West Mt. Royal Ave, Baltimore MD 21201. Shiva will be observed on Wednesday evening, 6:45-9:00 pm, Thursday from 10:00 am - 4:00 pm and 6:45-9:00 pm, Friday from 10:00 am - 3:00 pm with Services at 7:00 PM on Wednesday and Thursday at the home of Debs and Joe Weinberg, 2 Huntersworth Ct, Owings Mills MD 21117.
Read Less

Condolences

We encourage you to share your most beloved memories of Sandy (Sandra) Seltzer Silberman here, so that the family and other loved ones can always see it.

 
BC

beth el congregation

Posted at 09:38am
The Officers, Board of Trustees and Staff of Beth El Congregation express a deep sense of loss on the passing of our member, Sandy Silberman. May her memory be for a blessing.
B

Brian Levin

Posted at 12:02am
Susan, Debbie, Amy, and Joy, I’m very sorry to hear about Sandy passing and I want to express my deepest condolences. Sandy has been a part of my life for as long as I can remember. She and Gene have always held an important place in my heart, as do the four of you, and the families you have built over the years. As for memories, I was always awe-struck at the way Sandy could lead the Passover Seder. I can still hear her voice in my mind saying, “Now, who knows the meaning of number seven?”
Sandy could also cook and bake like nobody’s business. To this day, her noodle kugel and baklava are two of the best things I’ve ever eaten in my life.

Sandy was an amazing leader and and an amazing woman, and I’m grateful she was a guiding force in my life growing up. She always took an interest in what I was doing with my life and was never shy about giving me advice! I was over the house for so many holidays and dinners and I’m grateful for all those times and for all the other times I got to spend with your mother. She was an incredible person. You all are such amazing women in your own right and it’s easy to understand why, having known Sandy.

May you find comfort and peace in this time of grief and I wish you all health and happiness.

Love,

Brian
HL

Howard Levy

Posted at 11:27am
Dear Deb and family:
You (Deb) always did resemble your mom (the picture with the black turtleneck). I’m so sorry to hear of her passing. Thanks for communicating with me a week ago. So many years, and I’m reminded of those similarities: both with Joy’s as sisters, mom’s Sandra (Sandy) and Sondra (Sandy), middle children Dani and Daniel, even Debra Lee and Sondra Lee – and both class presidents. I know it hurts; it was never meant to be this way. Love to your family - Howard
BJ

Beverly & Jeffrey Jerome

Posted at 09:59pm
Deb’s and family,
I am so sorry for your loss. She was such a warm person and that I can see she passed that beautiful trait on.
IK

Irene and Ilya Kushner

Posted at 04:11pm
Dear Deb,
On behalf of many Russian-speaking immigrants, generously helped by your amazing mother, please accept our sincere condolences.
BL

Barbara Lichtenberg

Posted at 06:23pm
Susan, Amy, Debs, & Joy:
Our paths crossed many many years ago. My mom worked for Joe SIlberman, your grandfather, when my mom was still single. Jesse, your grandmother, and I played golf at the BBCC many many years ago. Your mom was a dear friend of my cousin Suzie Offit. Through Suzie & Beth El, I was in your mom’s company numerous times. Sandy was extra special in many ways, just as the four of you have been there for one another throughout your lives. Always remember the fantastic times shared.
JG

Joyce Goodman

Posted at 04:46pm
Dear Debbie and Amy,
I am so very sorry about the loss of your mother. George and I met your wonderful, intelligent, and warm mom, as both George and your mom were board members of Levindale, and The Associated.
George always thought it was a privilege to work alongside Sandy. They both contributed so much
of themselves to the benefit, and enrichment of these organizations.
George and I enjoyed being with Sandy, and Gene on many social occasions. We treasured our friendship, and you are so blessed to have had them as your parents and they were blessed to have all of you.
My deepest sympathies on your enormous loss.
Love,
Joyce Goodman
L

Lynda & Jerry Weinstein

Posted at 01:38pm

To Deb’s and your family,
Sending sincere condolences and prayers for the passing of your mother. May her memory be a blessing.
JR

John Rubin

Posted at 09:11pm
Dear Debbie and Amy- I am so sorry to hear about the passing of your mother. She was a wonderful and sweet person who raised a great family. I am sure she will be missed
HB

Howard Blow

Posted at 11:39am
Howard & Partner Mark (Colin's brother and Amy's brother in law).

We would like to offer our heartfelt condolences to all of Sandra's family and friends. The loss of such an endearing Matriarch saddens our hearts. How wonderful it is to know how much love you have have for her and how many fond memories you have to share.
BF

Betsy and Lou Narrow and family

Posted at 08:54am
Dear all of Sandy's family, we loved her and we'll miss her ... but "Grandma" Sandy will always remain in our hearts 💕.
CP

Caren Caplan Pozanek

Posted at 08:47am
Debbie and family-
Please accept my heartfelt condolences on the loss of your beloved mother. I remember your parents vividly when we lived near each other growing up. She was always a kind and special person that I will never forget. May her memory be for a blessing.
SS

Susi Silesky

Posted at 10:38pm
Dear Debbie and Amy,
Michael Bereson shared the news with me today and I wanted to let you know how much I enjoyed your mother every time I saw her. Interestingly, we met many years ago - before I met either of you. In fact, I believe it was around the same time that I met your dad when I was working for my dad and Gene and dad were doing business together. When I think of your mom I picture her smile and her kind heart. She seemed to be able to give love even when you didn’t really expect it. What a gift. She will be missed by many. May your mother’s memory be a blessing. Please accept my deepest condolences.
LZ

Louise & David Zirretta

Posted at 06:42pm
Debs,
Over the many years I've known you, I remember heartwarming descriptions of mother-daughter trips and family times together where your beloved Mother was the source of inspiration and loving role modeling. May memories of your beloved Mother comfort you and your family and be a presence in your lives evermore. Our deepest sorrow for your loss.
EB

Edie Brown

Posted at 04:27pm
My thoughts and prayers are with you at this sad time. We share so many wonderful memories of Sandy(and Gene) and these happy memories will give us all comfort at this difficult time. Sandy will long be remembered for the kind wonderful giving person she was. Rest in peace dear friend
NB

Nancy Boguslaw

Posted at 04:23pm
To the Silberman Family,
My deepest and sincerest condolences on the passing of your beloved Mother. She was a friend and neighbor to my Mom Rita Silverman and whenever I saw Sandy, she always had such a beautiful smile and kind words. May her memory always be a blessing and her life an inspiration to all.

IW

Irv Walker

Posted at 01:52pm
Dear Debs, Joe and Family,
I am saddened to learn of the passing of Debs' Mom, Sandy. May memories of her always serve as a source of inspiration and strength.
G

Gloria Gordon and Family

Posted at 01:46pm
It is with great and long friendships that the Gordon Family has had with the Silberman Family.that we send our deepest sympathies.

We have all shared so many joyous memories especially with Joy and our Lenny.

Fron our entire family, we send thoughts and thinking of all of you at this time and your beloved Sandy.

The years drift by and we think about Gene and Sandy and family. we have had a long and happy friendship.
M

Maureen Davidov

Posted at 01:24pm
To know Sandy was to love Sandy! She was a dedicated and joyful Jewish Community Services volunteer who gave freely of her time and abilities. May her memory be for a blessing to all who loved her.
L

Lisa yatovitz

Posted at 12:09pm
Barry and I are so sorry for your loss. May her memory be a blessing
NS

Nancy Scheer

Posted at 11:54am
Debra and family,
My deepest condolences to you all of the passing of your mom. May your memories with her be of some comfort to you now and always.
SF

Steph (Freedman) Ferber

Posted at 11:28am
Dear Debbie & Family,
Sorry to learn of the passing of your mom. Hoping time and Wonderful memories help to ease your pain.
MH

Michael Hettleman

Posted at 10:12am
To all of the Silberman clan: I met Sandy probably 35 years ago during my volunteer life at The Associated and particularly Baltimore Hebrew University. One of the joys of volunteering is to be able to participate with others who are committed, bright, energetic, dedicated, and just a joy to be with. Sandy was all of those plus even more. I am happy and fortunate to have known her and will continue to carry all pleasant memories with me. Barbara joins in sending our sincerest condolences to all of you.
AK

Arlene Klaff

Posted at 09:27am
Sandy Seltzer lived on the corner of Deancroft Road in Ranchleigh and I lived at 6507. I admired her in my youth and continued to love her as an adult. Her intelligence and trustworthiness were incredible. Rest in peace Sandy Seltzer Silberman as heaven is awaiting your arrival.
JG

Janet Gold

Posted at 09:21am
Dear Family,
I remember Miss Seltzer from my time at Garrison Junior High School. She was a wonderful teacher and we enjoyed talking to her like a big sister. I often would see her in the Giant in later years.
Toba and I graduated from FPHS together.
May her memory be for a blessing.
Janet Gold
RI

Ron Israel

Posted at 09:17am
Sending prayers and blessings to my former neighbors from Baythorne Road on the passing of Sandy Silberman. Can't believe that so many years have gone by since those wonderful times together.
R

RetaDavis

Posted at 09:13am
I was so sorry to hear abou your mom. She was a very special lady. My very deepest sympathy
R

RetaDavis

Posted at 09:10am
I was sorry to hear about your mom. She was a very special lady my deepest sympathy
MW

Martha Weiman

Posted at 08:49am

Dear Family,
Since the days at Forest Park High and then as neighbors in the Smith Avenue/ Pimlico Rd. neighborhood , I was privileged to know Sandy and was the recipient of her warmth as she led our community in so many ways with wisdom and grace. May all your fond memories give you solace at this most difficult time.
JB

Jacki Bank

Posted at 08:26am
Dear family,
I’m so sorry to hear of the loss of your mom, grandmother. I would see Sandy at the Singer family gatherings over the years. She was always so sweet and loving.
May you all hold on to the beautiful memories you have of her.
Wishing you peace.
SM

Sheila Mentz

Posted at 08:06am
Dear Debs,
I was so sorry to read of the passing of your beloved mother Sandy. My deepest and most heartfelt sympathy. May you be comforted by all of the wonderful memories. Baruch Dayan Ha'emet.
CK

Carol and Robert Keehn

Posted at 07:27am
We express our sincere condolences on the passing of your beloved mother. We knew her well from her years at Beth El. She will be greatly missed. May her memory be a blessing.
C

Carol Lessans

Posted at 07:14am
Sandy and my dad were first cousins through their moms, who were part of the unusually large Singer Link. I’m sending big hugs to all of Sandy’s lovely family. May her memory always be for a blessing.
EB

Eric Benzer

Posted at 07:00am
Please accept my heartfelt condolences on the loss of Sandy. One of the first moms I met after moving to Baltimore. A very sweet kind woman. May her memory be for a blessing.
JK

Janet kurland

Posted at 06:57am
Dear Deb and family. Your. Mom and I go way back. Every time she would come to the then. JFS. She would do her volunteer job and then stop in my office to chat a bit. She loved what she did and she did it with passion and excellence. Her family was the love of her life in every way. She knew what the future might hold for her health and she spoke clearly and definitively about it. I loved your Mom and will always miss those hugs and well wishes she always shared with me. It was a blessing to know your Mom and to share some of the wisdom and the kindness that she shared so truly and so magnificently. She knew and truly felt so blessed to have the family that she had and loved so much.and felt so loved in return. May her soul rest in peace always
BH

Bonnie Hammerschlag

Posted at 06:49am
May her memory be a blessing to each and every loving family member.
LA

Laura Applestein

Posted at 06:31am
Dear Debbie, Joe and Family,

So sorry to read about your Mom’s passing. I remember a house full of love and laughter. That’s a wonderful legacy. May her memory be a blessing
KN

Karen Nettler

Posted at 06:14am
Heartfelt condolences to the entire family. Sandy was a devoted and cherished volunteer at Jewish Community Services. I have many, many fond memories of Sandy and her kindness and generosity of self.
Clearly her legacy lives on in the family she built.
B

Betsy (Kramer)Marcus

Posted at 06:09am
Debbie and Family,

I am saddened to learn of the passing of your mom/ grandmother. I hope you find comfort in your many wonderful memories of her.
RL

Rachel Lachow

Posted at 04:25am
Dear Debbie, Susan, Amy and Joy--What can I say about my dear (Aunt) Sandy who was such an important part of our lives? Her wisdom, her intelligence, her always welcoming home, the beautiful family she and Uncle Gene created, the deep kindness that she showed me throughout my life. She and my mother Molly were in inseparable since they met at Camp Ramblewood as young teens. She would tease me that she met my dad there before my mom did. Then my mom married and she married and the two couples became deep friends as well. My parents took your dad's death very hard and even after all these years he is still quoted with attribution at the end of any great meal where the plate is devoid of food: "Like Gene would say: I left what I didn't like." I don't think I've ever seen anything as moving as the four of you, holding hands tightly, following his coffin at Levenson's.
I'm so sorry for your loss and the Beresons will miss your mom so much. She made such an impact in the world and taught her you to do the same. She wrote the very best notes, full of wisdom and love. When I married, she gave me a beautiful, crystal and silver wine carafe with six beautiful crystal and silver little wine cups as well as a challah board so that I could begin a Jewish home with beautiful shabbat dinners like she always had. I just used that carafe for Rosh Hashana dinner, it reminding me of her all evening.
There was never any gathering of the Beresons that she was not a part of. It always felt good to see my mom with her best friend at her side. We are bereft, as I know are you. You were raised by the very best parents and I like to imagine them together again at last. Much love to your family at this very sad time.
RB

Rosellen shapiro Bloomberg

Posted at 10:41pm
susan, Debs, Amy and Joy. How lucky you all were to have you mom with you for so long. Cherish your memories and celebrate her life!
LP

Leslie B. Papel

Posted at 10:40pm
We are saddened to hear of Sandy’s passing. What a wonderful kind person she was. Msy her memory be a blessing.
J

Joan & David Uhlfelder

Posted at 09:36pm
Dear Debs,Amy,Susan & Joy, Toba & all Sandy’s Beautiful Grandchildren….we are so sorry for your loss.She will be missed by all who knew and loved her….Sandy was a Bright and Special Woman and was so proud of her Family. Our thoughts and prayers are with you at this sad time. Sending love..
BA

Beth S. Adler

Posted at 09:00pm
I have very fond memories of visiting with Sandy and her Baltimore friends/family, while they were at the Chautauqua, NY, Institution. May her memory be a blessing.
RF

Ronnie Footlick

Posted at 08:23pm
Dear Debs and family.....my heartfelt condolences on the loss of your beautiful Mom. What an icon she became for the Baltimore community while always dedicated to her beautiful family. All those who knew her will experience her loss and may she rest in peace.
PL

Patty Leve

Posted at 08:05pm
Dearest Susan, Debbie, Amy and Joy, Chuck and I am so sad to hear about the passing away of your mom. I have the fondest memories of her, from spending so much time in your house during my high school years. When I close my eyes, I just see her with this beautiful smile on her face, always a cheery word, always positive, always happy. Those pictures that you posted are all so beautiful, and exactly as I will always remember her. Please accept our deepest condolences, and we know that you will always keep her memory alive inside of you forever. Sending you all my love.
ES

Emelie Schwab

Posted at 06:30pm
Dearest Silberman Family
So very sorry for your profound loss. Sandy was a gem and most devoted to you and to everything where she was involved.
Her memory is a blessing to this community and to all who knew her.
JS

Joel Simon

Posted at 04:47pm
Debs, Amy, Joy, Susan, and family, please accept my condolences on the loss of your beloved mother and grandmother. May her memory be a blessing to you always
JA

John Abosch

Posted at 02:53pm
Dear Family
The pictures say it all! Sandy was so devoted to her family and her family was just as devoted to Sandy. I remember Gene well and he and Sandy were a special couple. I knew Sandy from the Levindale Board where she was chairperson for two great years. Sandy was smart and a great leader. In later years I would see Sandy at Beth El. Please hang on to the wonderful memories.
special people.
J

Janet and Richard Livingston

Posted at 02:00pm
Susan, Debs, Amy and Joy we offer our sincere condolences for the loss of your dear
Mom Sandy. She was a lovely woman with a beautiful smile. I always enjoyed seeing her and watching her kvell over her amazing family. May her memory be for a blessing.
ES

Eva and Robert Slatkin

Posted at 01:44pm
Sandy was a blessing to her family and the community. She will certainly be missed.
Eva and Robert Slatkin
E(

Emma Solomon (grandchild)

Posted at 01:33pm
https://docs.google.com/document/d/1WrEJUuaFNAM7OH8KUATinbpRAhGMKHCpRW1L8_I4FWY/edit?usp=sharing

See attached for some wonderful clippings from The Baltimore Sun that feature Grandma Sandy's wisdom, generosity, and love of her community.
MF

Marcia Friedlander

Posted at 01:01pm
I WAS SO SADDENED TO LEARN OF SANDY'S PASSING: I HAVE A NOTE HERE ON MY DESK TO CALL HER THIS WEEK. SHE WAS ONE OF MY TEACHERS AT GARRISON JR. HIGH. (WHEN SHE WAS MISS SELTZER) I HAVE A PICTURE OF HER THAT I TOOK SHORTLY AFTER SHE BECAME ENGAGED. SHE WAS A GOOD TEACHER AND WE HAD A FINE RELATIONSHIP. WE RE-CONNECTED AT BETH EL YEARS AGO AND BECAME FRIENDS. I WILL MISS HER SMILING FACE AND ALL HER KINDNESS. MAY YOUR HAPPY MEMORIES BRING YOU SMILES AND PEACE DURING THIS HEARTBREAKING TIME AND IN THE FUTURE. MAY HER MEMORY BE A BLESSING. REST IN PEACE, MRS. SILBERMAN, REST IN ETERNAL PEACE.
DG

David & Terry Golaner

Posted at 12:04pm
It is a special thing to see such devoted family - with so much omnidirectional love and respect. So much of that was because of Sandy and the values she lived and instilled in her daughters and their families. The legacies of Sandy and Gene will, of course, live on through their children, grandchildren, and great grandchildren. May her memory be a blessing forever. Baruch Dayan Haemet.
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