Cedric George Edward Gyles
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Cedric's Tribute Fund
Cedric's Tribute Fund
Terms and Conditions
PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE (AS DEFINED HEREIN). By using this Website, you signify your acknowledgment and agreement to these Terms and Conditions. If you do not agree with these Terms and Conditions, DO NOT use this Website (as defined herein).
These Terms and Conditions govern the use of the Book Of Memories websites (the "Website") and other services (collectively the "Services"). FrontRunner Professional ("Company," "we," "us," "our") reserves the right in our sole discretion to change, amend or modify (the "changes") all or part of these Terms and Conditions at any time and from time to time for any reason. Any changes to these Terms and Conditions will be noted by indicating the date these Terms and Conditions were last made. Any changes will become effective no earlier than fourteen (14) days after they are posted; provided, however, that changes addressing new functions of the Services or changes made for legal reasons will be effective immediately. Your use or continued use of the Services after the date any such changes become effective shall constitute your express acceptance of the Terms and Conditions as changed, amended or modified.
Eligibility: Users under 18 years of age are not eligible to use the Services without consent. Users between the ages of 13 and 17, can use the Services with the consent and supervision of a parent or legal guardian who is at least 18 years of age; provided, however, that such parent or legal guardian agrees to be bound by these Terms and Conditions, and agrees to be responsible for such use of the Services. Company reserves the right to refuse use of the Services to anyone and to reject, cancel, interrupt, remove or suspend any Campaign, Donation, or the Services at any time for any reason without liability.
Definitions: In these Terms and Conditions "Campaign Organizers" means those raising funds, and "Campaigns" as their fundraising campaigns. Additionally, "Donors" means those contributing funds, and "Donations" as the funds they contribute. Campaign Organizers, Donors and other visitors to the Services are referred to collectively as "Users". The term "Campaign Organizers" shall also be deemed to include any individual(s) designated as a beneficiary of Campaigns.
Services: The Services are offered as a platform (the "Platform") to Users of the Services. Among other features, the Services are designed to allow Campaign Organizers to post Campaigns to the Platform to accept Donations from Donors. Although there are no fees to set up Campaigns, a portion of each Donation will be charged as fees for our Services and those of our third party payment processors. Company reserves the right to modify or discontinue, temporarily or permanently, the Services with or without notice. You agree that Company will not be liable to you or to any third party for any modification, suspension or discontinuance thereof. The Company has no responsibility or liability for the deletion or failure to store any data or other content maintained or uploaded by the Services. To the extent you access the Services through a mobile device, your wireless service carrier's standard charges, data rates and other fees may apply. In addition, downloading, installing, or using certain Services may be prohibited or restricted by your carrier, and not all Services may work with all carriers or devices. By using the Services, you agree that we may communicate with you regarding Company and other entities by SMS, MMS, text message or other electronic means to your mobile device and that certain information about use of the Services may be communicated to us.
Charitable Giving: Campaigns are not charities to which you can make tax-deductible charitable contributions. Any Donation you make through the Platform may be processed by an unaffiliated business partner for which a processing fee (in addition to our FrontRunner Professional Fee) is deducted. You understand, acknowledge and agree that Company is not a charity, and Company does not solicit charitable donations for itself or for any third-party charitable institution. Company is merely acting as a payment facilitator for any Donations.
Administrative Platform Only: The Services are an administrative platform only. The Company is merely acting as a payment facilitator for any Donations between Campaign Organizers and Donors, and is not a party to any agreement between Campaign Organizers and Donors. Company is not a broker, agent, financial institution, creditor or insurer for any user. Company has no control over the conduct of, or any information provided by Campaign Organizers, and Company hereby disclaims all liability in this regard. We expressly disclaim any liability or responsibility for the success or outcome of any Campaign. Donors must in their sole discretion make the final determination of making Donations to any Campaigns. Donors are solely responsible for asking questions and investigating Campaign Organizers and Campaigns to the extent they feel is necessary before making a Contribution. All Donations are made voluntarily and at the sole discretion and risk of Donors. Company does not guarantee that Donations will be used as promised. Company does not endorse, guarantee, make representations, or provide warranties for or about the quality, safety, or legality of any Campaign. Donors are solely responsible for determining how to treat their Donations for tax purposes.
No Verification of Campaign Information: We do not verify the information that Campaign Organizers supply, and do not guarantee that the Donations will be used in accordance with any fundraising purpose prescribed by Campaign Organizers. We disclaim and assume no responsibility to verify whether the Donations are used in accordance with any applicable laws.
Your Registration Obligations: You may be required to register with Company in order to access and use certain features of the Services. If you choose to register for the Services, you agree to provide and maintain true, accurate, current and complete information about yourself as prompted by the Services' registration form. Campaign Organizers must register using their true identities, including their name and any image purporting to depict the Campaign Organizer. Registration data and certain other information about you are governed by our Privacy Policy. If you are under 13 years of age, you are not authorized to use the Services, with or without registering. In addition, if you are under 18 years old, you may use the Services, with or without registering, only with the approval of your parent or guardian. Certain aspects of our Services may also require you to register with (and agree to the terms of) third party service providers (e.g., payment processors or charitable donation processors) in order to utilize such Services. While we may help facilitate such registration in some cases, we are not a party to any such relationships and disclaim any responsibility or liability for the performance by such third parties. We may exchange information with such third party services in order to facilitate the provision of Services (and related third party services).
Public Display of Donations: Donors have the option to publicly display their Donations for public viewing or allow their information to be provided to the Campaign beneficiary(ies). To keep the details of your Donation private, simply click the appropriate checkbox during the Donation process. Please see our Privacy Policy for more information on the ways that we may collect, use, and store certain information about you and your use of the Services.
Payment of Donations: In order to contribute to a Campaign, Donors will be required to provide Company information regarding its credit card (i.e., VISA, MasterCard, Discover or American Express) or other payment method. Donors represent and warrant to Company that such information is true and that Donors are authorized to use the credit card or payment method. Donors agree that a certain minimum Donation amount may apply, and that all Donation payments are final and cannot be refunded. Donors agree to promptly update account information with any changes that may occur and to pay the Donation amount that you specify. Donors hereby authorize Company to bill Donors' credit cards and payment methods in advance on a periodic basis until Donors terminate periodic payments through the Platform.
Fees: Company does not charge Campaign Organizers any upfront fees for Campaigns. Company retains a portion of each Donation contributed to Campaigns in the amount of four percent (4%) ("FrontRunner Professional Fee"). A portion of the Donation is payable to our third party payment processors ("Processing Fee"). Donors acknowledge that by contributing Donations to Campaigns, Donors are agreeing to any and all applicable terms and conditions set forth by a third party payment processor, in addition to these Terms and Conditions. The portion of each Donation payable to and retained by our third party payment processors are:
• US Users ONLY: Third party payment processor charges a fee of 2.9% AND $0.30 per donation for VISA, MasterCard or Discover cards or 3.4% AND $0.30 per donation for American Express cards.
• CA Users ONLY: Third party payment processor charges a fee of 2.9% AND $0.30 per donation for VISA, MasterCard or Discover cards or 3.4% AND $0.30 per donation for American Express cards.
All Tribute Pay Fees and Processing Fees ("Fees") are deducted directly from each Donation and are not reflected in the amount which Campaign Organizers can withdraw from the Campaign. We reserve the right to change any of the Fees from time to time. If we change any of the Fees, we will provide notice of the change on the Website or otherwise, at our option, at least fourteen (14) days before the change is to take effect. Your continued use of the Services after the change in any of the Fees becomes effective constitutes your acceptance of the new Fees.
Indemnification: You agree to release, indemnify and hold Company and its affiliates and their owners, officers, employees, directors and agents harmless from any from any and all losses, damages, expenses, including reasonable attorneys' fees, rights, claims, causes of action, actions of any kind and injury (including death) arising out of or relating to your use of the Services, any Donation or Campaign, your violation of these Terms and Conditions or your violation of any rights of another. If you are a California resident, you waive California Civil Code Section 1542, which says: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR". To the extent you are a resident of another jurisdiction, you waive any comparable statute or doctrine
DISCLAIMER OF REPRESENTATIONS AND WARRANTIES: YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. COMPANY AND ITS AFFILIATES EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. COMPANY AND ITS AFFILIATES MAKE NO WARRANTY THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE, THE REMITTANCE OF ANY DONATION OR PORTION THEREOF TO THE BENEFICIARY OF ANY CAMPAIGNS, OR THE QUALITY OF ANY SERVICES.
LIMITATION OF LIABILITY: YOU EXPRESSLY UNDERSTAND AND AGREE THAT NEITHER COMPANY NOR ITS AFFILIATES WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY DAMAGES, OR DAMAGES FOR LOSS OF PROFITS INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICES, THE UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, THE STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICES, OR ANY OTHER MATTER RELATING TO THE SERVICES. IN NO EVENT WILL COMPANY'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES OR CAUSES OF ACTION EXCEED THE AMOUNT YOU HAVE PAID COMPANY IN THE LAST SIX (6) MONTHS, BUT IN NO EVENT MORE THAN ONE HUNDRED DOLLARS ($100).
EXCLUSIONS: SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE LIMITATIONS SET FORTH ABOVE MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SERVICE OR WITH THESE TERMS AND CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SERVICE.
DISPUTE RESOLUTION - ARBITRATION (READ CAREFULLY): You agree to arbitrate all disputes and claims between you and Company (including our respective subsidiaries, affiliates, agents, employees, predecessors in interest, successors, and assigns). Notwithstanding the foregoing, either party may bring an individual action in small claims court. Notice of Dispute ("Notice"). The Notice to Company should be sent to 2501 Parmenter Street, Suite 300A, Middleton, WI 53562, Attn: President, with a copy by email to support@tributepayments.com ("Notice Address"). The Notice must (i) describe the nature and basis of the claim or dispute, and (ii) set forth the specific relief sought ("Demand"). If Company and you do not reach an agreement to resolve the claim within sixty (60) days after the Notice is received, you or Company may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by Company or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or Company is entitled.
The arbitration will be governed by the Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes (collectively, "AAA Rules") of the American Arbitration Association ("AAA"), as modified by this Terms and Conditions, and will be administered by the AAA. The AAA Rules are available online at adr.org, by calling the AAA at 1-800-778-7879, or by writing to the Notice Address. The arbitrator is bound by the terms of this Terms and Conditions. All issues are for the arbitrator to decide, including, but not limited to, issues relating to the scope, enforceability, and arbitrability of the arbitration provision. Unless Company and you agree otherwise, any arbitration hearings will take place in Chicago, Illinois. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based. YOU AND COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Unless both you and Company agree otherwise in writing, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this arbitration provision shall be null and void.
Introduction
BOOKOFMEMORIES.COM, including mobile applications and related services (collectively the “Site”) is fully owned and operated by FrontRunner Professional, (the “Company,” “we,” “us,” “our”). Company takes your privacy seriously. We feel it is important that you fully understand the terms and conditions under which we use the information we gather from you through the use of our Site. Please read this Privacy Policy ("Policy") carefully to understand how we will use and protect your Personal Information. We will not share your Personal Information with anyone except as described in this Policy. Changes to this Policy will be announced on our Site, so please check back periodically. This Policy forms part of the Company’s TERMS AND CONDITIONS and is incorporated by reference to those Terms and Conditions.
This Policy outlines Company’s general policies and practices for protecting your private information on this Site. It covers why Company collects information, the types of information it gathers, how it uses such information, and the notice and choice affected individuals have regarding Company’s use of and their ability to correct their information. This Policy applies to all personal information received by Company whether in electronic, written, or verbal format.
Company reserves the right to modify this Policy at any time and will do so from time to time. Each modification shall be effective upon its posting to the Site. Your continued use of the Site following any such modification constitutes your acceptance of any change(s) to this Policy. It is therefore important that you review this Policy regularly. If you have any questions concerning this Policy please contact Company at support@frontrunner360.com.
1. Scope
This Policy covers the Site in part and as a whole. However, it does not apply to entities that Company does not own or control, including without limitation, Campaign, advertisers or developers of content. Company may include third-party links on the Site. These third-party sites are governed by their own privacy policies and NOT this Policy. Company therefore has no responsibility or liability for the content and activities of these third-party sites. Please check the privacy policy of any third-party site you interact with on or off the Site.
2. General Policy Provisions
Definitions
“Personal Information” includes both “Personally Identifiable Information” and “Non-Personally Identifiable Information”.
"Personally Identifiable Information" refers to information that lets us know the specifics of who you are and can be used to identify, contact or locate you. Personally Identifiable Information is requested when you register with us, make a Donation, correspond with us, or otherwise volunteer information, for instance, through the use of "Contact Us". Personally Identifiable Information may include, without limitation, your name, mailing address, telephone number, e-mail address, credit card number, and other identification and contact information.
"Non-Personally Identifiable Information" refers to information that does not identify a specific individual by itself or in combination with other information. We gather certain information about you based upon what you view on our Site in several ways. This information is compiled and analyzed on both a personal and an aggregated basis. This information may include the Site’s Uniform Resource Locator ("URL") that you just came from, which URL you next go to, what browser you are using, and your Internet Protocol ("IP") address. A URL is the global address of documents and other resources on the World Wide Web (‘Web”). An IP address is an identifier for a computer or device on a Transmission Control Protocol/Internet Protocol ("TCP/IP") network, such as the World Wide Web. Networks use the TCP/IP protocol to route information based on the IP address of the destination. In other words, an IP address is a number that is automatically assigned to your computer whenever you are surfing the Web, allowing Web servers to locate and identify your computer. Computers require IP addresses in order for users to communicate on the Internet, browse and shop
“Sensitive Personal Information” means Personal Information that reveals race, ethnic origin, sexual orientation, political opinions, religious or philosophical beliefs, trade union membership or that concerns an individual’s health.
Notice
Company shall inform you of the purposes for which it collects and uses Personal Information and the types of non-agent third parties to which Company discloses or may disclose that information. Company shall provide you with the choice and means for limiting the use and disclosure of your Personal Information. Notice will be provided in clear and conspicuous language when you are first asked to provide Personal Information to Company, or as soon as practicable thereafter. In any event, you will receive notice before Company uses or discloses the information for a purpose other than that for which it was originally collected.
Choice
Company will offer you the opportunity to choose (opt-out) whether Personal Information is to be disclosed to a third party or to be used for a purpose other than that for which it was originally collected or has subsequently been authorized. For Sensitive Personal Information (when applicable), Company will give you the opportunity to affirmatively or explicitly consent (opt-in) to the disclosure of the information for a purpose other than that for which it was originally collected or has subsequently been authorized. Company will treat Sensitive Personal Information it receives from anyone the same as it would treat its own Sensitive Personal Information.
Security
Company shall take reasonable steps to protect Personal Information from loss, misuse, unauthorized access, disclosure, alteration, or destruction. No company is immune from Internet attacks or data breaches. Company cannot guarantee the security of information on or transmitted via the Internet.
Data Integrity
Company shall only process Personal Information in a way that is compatible with and relevant to the purpose for which it was collected or has been authorized. To the extent necessary for those purposes, Company shall take reasonable steps to ensure that Personal Information is accurate, complete, current, and reliable for its intended use.
How to Access Your Information
Company offers you choices for the collection, use and sharing of Personal Information. You may notify Company of your preferences, or change any Personal Information, by emailing support@frontrunner360.com. Please be sure to provide complete account information so Company can identify you in its records.
You may also stop the delivery of future promotional e-mail from Company by responding directly to any email you receive with a request to remove you from the mailing list.
3.Reasons the Company Collects Personal Information
Company collects your Personal Information because it helps deliver a superior online experience, gives you convenient access to the Site for browsing, and allows key features of the Site to function properly. In order to better provide you with this superior level of customer service, our Site collects two types of information (referred to in this policy as "Personal Information") about our visitors: Personally Identifiable Information and Non-Personally Identifiable Information. In addition, your Personal Information helps Company keep you informed about the latest announcements, special offers, and events that you might like to hear about.
4. Information Company Collects About You
Any time a guest or member (collectively “Users”) accesses the Site they receive a “cookie” from Company. Company uses cookies (small pieces of data stored for an extended period of time on a computer, mobile phone, or other device) to make the Site easier to use and to protect both you and Company. These cookies give Company certain Non-Personally Identifiable Information about your use of the Site. You may remove or block cookies using the settings in your browser, but in some cases that may impact your ability to use the Site. Company may also use pixels, widgets and other tools to gather such Non-Personally Identifiable Information to improve the experience of the website or mobile application.
Company may contract with third-party service providers to assist it in better understanding its Site Users. These service providers are not permitted to use the Non-Personally Identifiable Information collected on Company’s behalf except to help it conduct and improve its business.
When you access the Site from a computer, mobile phone, or other device, Company may collect Non-Personally Identifiable Information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about the user base as a whole. Company will not use the information collected to market directly to that person.
Company keeps track of some of the actions you take on the Site such as member profiles and pages you view. Even if you do not provide certain information, Company may obtain it from you profile or the pages of its Site that you visit. Company may retain the details of connections or transactions you make on the Site.
5. Information You Provide to Company
To become a User, Company shall collect certain Personally Identifiable Information, which you are required to provide. Information that is not required shall be deemed voluntary and you may provide such information, although not mandatory.
While using the Site, you may provide text, files, images, photos, videos, location data, or any other materials (collectively “Content”) to Company by uploading, posting, or publishing the Content on the Site. Frequently, Content you place on the Site will contain a picture of your face. Company may retain the details of connections or transactions you make on the Site.
Where applicable, when you interact with other Users on the Site, you may provide other information about yourself, such as political or topical views, religious affiliation, or marital status. Any information in a public forum is accessible by anyone, including people who are not members of the Site. Please be aware they may share information you give them with other Users you may not know. They may also share the information outside the Site without your prior approval. Company does not have control over the actions of its Users and accepts no responsibility or liability for their actions. Please keep this fact in mind when using the Site, and use care when disclosing Personal Information to other Users of the Site.
Company may also collect information from ads you click on when using the Site. Company may also keep track of links you click on in e-mails you receive from Company. This is done to increase the relevancy of the ads you see.
6. How Company Uses Your Personal Information
Company uses the information you are required to provide to become a User in order to insure you are over the age of thirteen (13). THE SITE IS NOT MEANT TO BE USED BY ANYONE UNDER THE AGE OF THIRTEEN (13). If you are under thirteen, please do not attempt to register with the Site or send Company any Personal Information. Company may also use your age information to be sure you receive an age appropriate experience while using the Site.
Company will use the information it collects to provide, without limitation, services and features to you and facilitate payment for any Donations between Campaign Organizers and Donors and provide information to Campaign Organizers and Campaign beneficiaries. Company will also use the information to measure and improve the Site, and to provide you with customer support.
Company may contact you with new or updated products or services, designs, routes, surveys, or other related announcements from time to time. You may opt-out of all communications except essential updates. Company may include Content in the e-mails sent to you.
Certain software applications and applets transmit data to Company. Company may not make a formal disclosure if it believes its collection of and use of the information is the obvious purpose of the Site or its related application. If it is not obvious that Company is collecting or using such information, it will disclose its collection to you the first time you provide the information.
Company may use the information collected to prevent potential illegal activities. Company may also use a variety of methods to detect and address anomalous activity and screen content to prevent abuse.
Company may use your information to serve you personalized advertising. Company does not share your information with advertisers without your consent. Company allows advertisers to choose the characteristics of Users who will see their advertisements. Company may use any of the Non-Personally Identifiable Information it has collected in any fashion to select the appropriate audience. Company will not tell the advertiser who you are as part of this process. When you interact with an advertisement there is a possibility that you may receive a cookie from the advertiser.
7. How Company Shares Your Information
Company shares your Personal Information with third parties when it believes you have permitted such sharing, that it is reasonably necessary to offer services, or when legally required to do so. Company will not share your Personally Identifiable Information with third parties in a way that it thinks violates your privacy. The following non-exhaustive list contains examples of how Company shares or could share your information:
If Site allows you to invite a friend to join the Site or become a User, and you choose to do so, the invitation will contain information that will allow your friend to identify you. The invitation may contain information about other Users your friend might know.
Certain information you provide to Company may be shared by using the Site’s search function. This allows other Users to locate your profile and it allows new Users to find people they know on the Site.
Company provides some public information to search engines. This information allows search engines to locate the Site. It also allows people to locate you on the Site using a major search engine. This does not mean all information you post on the Site may be accessed using a search engine.
There are also times when Company may make certain Personal Information about you available to strategic partners or third parties. These companies may help Company process information, render services to you, manage and enhance customer data, provide customer service, assess your interest in products and services, or conduct research or satisfaction surveys. Without such information being made available, it would be difficult for you to use Company's Site and services.
Company may also share Personal Information when it has a good faith belief it is necessary to prevent fraud or other illegal activity, to prevent imminent bodily harm, or to protect itself and you from people violating the Terms and Conditions of the Site. This may include sharing information with other companies, lawyers, and courts or other government entities.
Company may disclose information pursuant to subpoenas, court orders, or other requests (including criminal and civil matters) if it has a good faith belief that the law requires such a response. This may include requests from jurisdictions outside of the United States if Company has a good faith belief that the response is required by law under the local laws in that jurisdiction, is applicable to users from that jurisdiction, and is consistent with generally accepted international standards.
Company may disclose analyzed data in the form of purchasing trends or statistical data. No Personally Identifiable Information will be attached to this disclosure.
8. Business or Asset Transfer or Sale
Company may be sold, sell or buy businesses or assets of businesses, or merge with another business. In such transactions, Personal Information generally is one of the transferred business assets. Also, in the event that Company, a line of business of Company, or substantially all the assets of Company are transferred, Personal Information may well be one of the transferred assets. Company will make a reasonable effort to provide notice on the Site, and to notify you via e-mail to the most recent e-mail address that you have provided of any such change in ownership or control of your personal information.
9. Miscellaneous
Privacy of Children
YOU MUST BE EIGHTEEN (18) YEARS OR OLDER TO ACCESS THE SITE OR USE ITS SERVICES. IF YOU ARE UNDER EIGHTEEN YEARS OF AGE, YOU ARE NOT PERMITTED TO ACCESS ANY OF COMPANY’S SERVICES FOR ANY REASON. DUE TO THE AGE RESTRICTIONS FOR USE OF COMPANY’S SITE AND SERVICES, NO INFORMATION OBTAINED BY COMPANY FALLS WITHIN THE CHILDREN’S ONLINE PRIVACY PROTECTION ACT OF 1998 AND IS NOT MONITORED AS DOING SO.
Protecting children’s privacy is especially important to Company. Company does not knowingly collect Personal Information from children under 13, but because some information is collected electronically, it can appear to be the Personal Information of someone over the age of 13, and will be treated as such by this Policy. If a child under 13 submits Personal Information and Company learns that Personal Information pertains to a child under 13, it will attempt to delete the information as soon as possible. It is Company’s policy to comply with the Children’s Online Privacy Protection Act of 1998 and all other applicable laws. Therefore, Company restricts the Site and all other provided services to persons 18 years or older.
Agreement with Policy and Continued Use of Site
Unless stated otherwise, Company’s current Policy applies to all information that Company has about you, your account, and access to the Site. By using the Site, you consent to this Policy and having your Personal Information and data transferred and processed as described.
Obituary
December 23, 1926 to September 24, 2023
We are deeply saddened to announce the passing of Cedric George Edward Gyles at his home in The Blue Mountains, Ontario, on Sunday September 24, 2023 at the age of 96.
Cedric (Ced) was born and raised in Vancouver. He attended Prince of Wales high school and graduated in 1945. Ced then joined Price Waterhouse in 1946 for four years as an articling chartered accountant. During this time, he met the love of his life, Barbara Martin.
Ced took a leave of absence from Price Waterhouse to play professional football for the Calgary Stampeders’ 1948 season earning an annual salary of $500.
In 1949, Ced and Barb were secretly married in Vancouver at a civil ceremony with Ced’s sister, Jacquie, and his good friend Bob Annable as their witnesses. Neither Barb or Ced could recall the reason for the secrecy, but they suspected parental disapproval for a married couple making less than $180 a month was the reason.
A year later, Ced changed jobs and was working for a Calgary based investment firm, Clifton C. Cross & Company. By 1951, Ced and Barb had moved to Calgary, living in a rented basement room. It was at this time they welcomed their first child Cedric. The following year, they purchased their first home and second child Pat was welcomed into the family. Unfortunately, in 1953 markets changed due to an international investment downturn and Ced lost his job. The family returned to Vancouver and lived with Ced’s parents. While there, they welcomed their third child Marti to the family. With the growing family, Ced took a job pumping gas to make ends meet.
It was at this time Ced received a job offer from his friend and mentor Jack Moon, who brought him into the insurance brokerage business. Ced returned to Calgary joining R.M. Abernethy in 1954. The company eventually merged with Reed Shaw McNaught, becoming Reed Shaw Osler and ultimately Reed Stenhouse. Proving his worth, in 1956 Ced was sent to Edmonton to organize the office there. While in Edmonton, their fourth child Ed joined the family. Having established the Edmonton office, Ced was transferred back to Calgary. However, the Edmonton office did not flourish, so after a short while Ced was sent back to Edmonton to save the day! In order to accommodate the ever-growing family, Ced and Barb moved outside Edmonton to a farmhouse near Adrossan where their fifth child John was born. There were many memorable adventures out on the farm that usually included the horse, Beauty, and the dog, Mitzi.
In 1961 a new chapter began. Ced was transferred all the way “east” to Winnipeg. It was here their sixth child Peter arrived to the delight of his sisters who loved to care for their new “live doll”. Ced and Barb embraced the new town, immersing themselves in many community activities. They quickly made friends, including another family with the unlikely name of Gyles, who had many children of similar ages.
Never one to miss an opportunity to learn something new, Ced took up golf and became a member of the St. Charles Country Club. Ced and Barb also took up curling with friends, joining the Granite Curling Club. They were members of the Winnipeg Gyro Club, part of Gyro International, a social club whose members participated in formal dinners, dances and themed conventions held across Canada. In preparation for one convention, they learned the Red River Jig in order to showcase Winnipeg. Ever the competitor, practices were needed so local Metis dancers and musicians were invited to Ced and Barb’s home to teach the group. The living room carpet was rolled back and the dancing commenced! Ced was President of the Gyro Club from 1967-68.
Ced and Barb loved to entertain at home. They hosted an annual Boxing Day party that included a hockey game at the local rink and a football game in the snow with plenty of food and drink, lasting till late into the evening. Being Blue Bomber season ticket holders with friends, afternoon game days always began at their home with a brunch being served.
In 1971, Ced was offered a new promotion, the Senior Vice President of the Company, which meant another move further east all the way to Toronto. Barb finally put her foot down and said if they moved, there were to be no more children!
Upon their arrival in Hogtown, with the six children in tow, Ced had a rude awaking. He made an illegal turn to arrive at their new home and was immediately slapped with a traffic ticket. Hello Toronto! This move then led to the Chief Executive Position in 1974 which he held until his retirement in 1988. He remained as Non-Executive Chairman and Director of the Canadian Company until he was 70, when he retired to The Blue Mountains.
Cedric was a lifelong avid sailor. He was the third generation of Gyles to become a member of the Royal Vancouver Yacht Club. Ced joined as a junior member in 1943 and maintained his membership until his passing. His sailing experience was gained in Snipes, Stars, 6 Metres, R Boats, and 8 Metres. After moving to Toronto in 1971, Cedric joined the Royal Canadian Yacht Club (RCYC).
Cedric was part of the revival of the Eight Metre Class on Lake Ontario with the purchase and restoration of Norseman in 1973. Having been built at the RCYC shipyard, Norseman was home! Cedric skippered his beloved Norseman in many Club and international races, most to victory including the Kimber Trophy for the North Americans, and the Norm Walsh Trophy for the overall 8 Metre season championship in the Classic division. Norseman has participated in every World Cup on Lake Ontario and in 1999 won the 8 Metre World Cup Sira Trophy in Rochester. In 2004, representing Canada and the RCYC, Cedric shipped Norseman from Toronto to Geneva, Switzerland in order to participate in the International 8 Metre World Cup Regatta and to promote the next World Cup Regatta to be held the following year at the RCYC.
Ced was involved in a number of RCYC standing and special project committees, with specific service in the capacity as Member at Large (1977-78), Vice Commodore House (1979-81) and Commodore (1985-86). He was also the recipient of the AEmillius Jarvis Bowl (1993), Patricia Trophy (1994) and several Fleet Captains Awards. He was one of the founding members of the Lake Ontario 8 Metre Class Association and received an Honorary Life Membership of the International Eight Metre Association (IEMA).
Ced was also an integral member of the RCYC Canada’s Cup Committee for the better part of twenty years, including the Canada’s Cup Committee Chair from 1993-2001, which realized the successful challenge in 2001. In 1983 Cedric headed up the operations committee for the group of “One Hundred Corinthians for Canada I” which saw Canada’s entry in the America’s Cup for the first time since 1881, which achieved a credible semi-finals finish.
His other passion was football. As a player, Cedric was a member of the Vancouver Junior Blue Bombers, who won the 1947 Dominion Championship after a 13-0 undefeated season. The Canadian championship was a two-game, total-point series, played under two different types of rules. The Vancouver Blue Bombers played against the Hamilton Tigercats and won the game opener 13-5 and the second game 6-3. Cedric was named MVP, scoring touchdowns in both games. In 2011, the 1947 Vancouver Junior Blue Bombers Football 1st Canadian Champions were inducted into the BC Football Hall of Fame.
Ced also enjoyed playing Rugby in various B.C. leagues during the years 1945-1948 as a ¾ back. He played at wing ¾ against Australian Wallabies in 1948. Following his football career, he played for the Edmonton Rugby Club until 1958.
Cedric was a Calgary Stampeder player for the years 1948, 1950 and 1951 and was the last surviving member on the 1948 Calgary Stampeder Grey Cup team. In 1948 the team had a 14-0 undefeated season and it was the first Grey Cup win for the Stampeder Football Club. That was the year the Grey Cup festivities included trainloads of fans, pancake breakfasts and riding horses into the lobby of the Royal York Hotel thus, laying the ground for the Grey Cup celebrations that occur today! In 2000, the 1948 Calgary Stampeders’ team was inducted into the Alberta Sports Hall of Fame.
In 1962, Ced joined the Blue Bomber Football Club Board of Directors and was appointed to the Executive as Secretary in January 1963. Cedric served as President of the Winnipeg Football Club in 1968-1969 and brought to the position an extensive background as a player and an executive. In September 1989 Cedric was inducted into the Winnipeg Football Club Hall of Fame in the “Builder” category. He was instrumental in establishing a new organizational structure, dealt with the Club’s debt of $150K, introduced various fundraising programs, increased stadium capacity by 3,000 and hired GM Earl Lunsford to establish a hard-driving, stable football team on the field.
Ced was a member of the Griffith Island Shooting Club for over thirty years, serving in the capacity of Director. He was introduced to small game hunting while in Winnipeg and was involved in many outings in Manitoba and Saskatchewan bringing home grouse, ducks and geese for his children to clean and his wife to cook. Luckily his outings at Griffith Island with many friends and business acquaintances meant the job of dressing the birds was no longer a family affair! His international hunting trips took him to the USA and Europe.
Ced was a skiing enthusiast. His love of skiing began as a young adult while living in Vancouver. As lifts had not yet been introduced, Ced and his friends would trudge up Hollyburn Mountain to a small ski chalet they called the “Goon Hut”. His adventures also included two helicopter trips to B.C. skiing in the Cariboo Mountains. His love for the sport was passed on to his children and grandchildren. During their time in Winnipeg, the family was often loaded into the estate wagon and taken to Mt. Agassiz ski hill. On one multi-stop road trip out west, Ced and Barb with their six kids and an extra friend made the trip to Banff with all required equipment. On two separate occasions, both the young boys, ages 5 and 7, hurt themselves and spent the rest of the trip in full leg casts creating chaos for seating arrangements in the car. Despite the chaos, the trip carried on making a few stops in B.C., Washington and Montana ski resorts and returning on the last leg heading home through North Dakota. A blizzard, closing the roads, stranded the family in Morris, Manitoba. It was a stroke of luck for us, as an elderly widowed woman had volunteered her home for trapped motorists. However, she was not expecting this large group of 9 to show up on her doorstop! And again, more chaos!
Ced and Barb, while residing in Toronto, would rent various seasonal ski chalets with friends at Blue Mountain Resort and joined the Toronto Ski Club. In 1979 Ced and Barb purchased their own chalet at the base of Blue Mountain and were totally spoiled with a ski lift literally in their front yard! Ced loved having his family and friends join him at the chalet to ski and visit. For 40 years they hosted the annual 8 Metre ski weekend lunch and race. New Year’s Eve parties took on a whole new meaning at the chalet! You did not just attend the party; you were challenged to make your own festive hat, a tradition started by son Peter and his friend. You then joined the parade to be judged on your creativity! Everyone vied for 1st prize. After his retirement to The Blue Mountains, Ced became a member of the Probus Club. He enjoyed the camaraderie and social interaction, making new friends and connecting with former Torontonians who also made the move North.
Ced and Barb travelled throughout the world for sailing events, for both business and pleasure. Sailing took them to Australia and New Zealand for an America’s Cup. Personal holidays included a bike and wine tour cycling through France, bareboat charters to the Caribbean, Grenada and several North American destinations. Business often took Ced across Canada from coast to coast and to many US and European destinations.
Ced was a man of his time. His sense of humor (sometimes unfitting for today’s times), his ease at embellishing common stories to make them memorable and fun, his generosity to all and his loyal friendships will never be forgotten. He often was the “life of the party” which suited him just fine!
Ced had an amazing life full of adventure, accomplishments and fun. However, we all know, “behind every great man there's a great woman”. Barbara was the love of his life, making it possible for him to achieve all that he did. He is now at peace and they are together again!
Most important to Ced was his love of family. His favourite and best moments were being surrounded by his children and grandchildren. We were proud of him and he was so proud of us and we would not be who we are today without him. We love him, miss him and he will be forever in our hearts.
Cedric is survived by his children, Cedric (Sue-Anne) Gyles of Toronto, Patricia (Brent) Miller of Winnipeg, Marti (Mike) Williams of Collingwood, Edward (Gloria Andrews) Gyles of Thornbury, John (Jane) Gyles of The Blue Mountains, Peter (Dominic Brugnano) Gyles of Toronto; his grandchildren William (Gillian), Sarah, Steven (Jett), granddaughter-in-law Katie, Thomas (Brenna), Lisa, Brice, Jason (Kelly), Richelle (Darrell), Jessica (Cam), Brier and Kailey; great-grandchildren Kylee (Devon), Matt, Jarek, Kenna, Asher, Riker, Jake, Molly, Mackenzie, Ryerson and Rome; sisters-in-law Anne and Doreen Martin; as well as many cousins, nieces and nephews.
Ced was predeceased by his beloved wife of 60 years, Barbara, who passed away in December 2009; his parents Vera and Cedric H Gyles; his sister Jacquelyne McDormand; and his grandson Alexander Miller.
The family wishes to extend our appreciation to the many caregivers who provided Cedric with such kind and compassionate care to enrich his last years at home.
A celebration of Cedric’s life will be held at the Toronto Ski Club located at 796456 Grey Road 19, The Blue Mountains, Ontario between 1:00 to 3:00 p.m. on Sunday, October 22, 2023. A second Celebration of Life will be held at the Royal Canadian Yacht Club in Toronto next spring at a date to be determined.
In lieu of flowers, donations in memory of Cedric to a charity important to you would be appreciated by the family. Alternatively, for those who wish, donations could be made to the Warrior Sailing program. True Patriot Love is the organization that funds this program and the Invictus Games in Canada. Donations made in honour of Cedric will be directed to Warrior Sailing. Here is the link to make donations for the Warrior Sailing: truepatriotlove.com/tribute.”
Service Details
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Visitation
Sunday, October 22nd, 2023 | 1:00pm - 3:00pmWhenSunday, October 22nd, 2023 1:00pm - 3:00pmLocationToronto Ski ClubAddress796456 Grey Road 19Town of the Blue Mountains, ONNotesA celebration of Cedric’s life will be held at the Toronto Ski Club located at 796456 Grey Road 19, The Blue Mountains, Ontario between 1:00 to 3:00 p.m. on Sunday, October 22, 2023. A second Celebration of Life will be held at the Royal Canadian Yacht Club in Toronto next spring at a date to be determined. -
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In Loving Memory Of
Cedric Gyles
December 23, 1926 - September 24, 2023
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