Privacy Policy
PAYMENTBOOKS.COM, hereinafter referred to as HOWLAND INTERNATIONAL, INC. has established this Privacy Policy to explain how it protects and manages the personal information that it collects from you (the customer) online.

1. Consent for Collection, Use and Disclosure

Your use of the HOWLAND INTERNATIONAL, INC. site and/or your registration for HOWLAND INTERNATIONAL, INC. products and services constitute your consent to the terms of this Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use the HOWLAND INTERNATIONAL, INC. PAYMENTBOOKS.COM site.

2. Accountability

HOWLAND INTERNATIONAL, INC. collects, at the time you fill out a response form on its web site, certain “personal information” (information that personally identifies you) including but not limited to your name, email address, and information about your computer hardware and software (e.g., IP address, operating system, browser type, domain name, URL, access times, and referring web site addresses). HOWLAND INTERNATIONAL, INC. has taken responsibility for your personal information to ensure compliance with the principles in this Privacy Policy.

3. Purposes for Collecting Personal Information

HOWLAND INTERNATIONAL, INC. collects and uses personal information for the following Identified Purposes:

  • To understand customer needs regarding HOWLAND INTERNATIONAL, INC.’s  services
  • To develop and provide our web site and our products and services for our customers
  • To fulfill your requests for products, services or information
  • To communicate with customers and site visitors, when necessary, and to inform customers of upgrades, as well as of other products and services available from HOWLAND INTERNATIONAL, INC., its affiliates and third parties
  • To allow customers to access limited-entry areas of HOWLAND INTERNATIONAL, INC.’s site
  • To personalize some of our services and products for you and to deliver targeted advertisements and offers from HOWLAND INTERNATIONAL, INC. and third parties
  • To protect the services, products or rights of HOWLAND INTERNATIONAL, INC., including but not limited to the security or integrity of the HOWLAND INTERNATIONAL, INC. PAYMENTBOOKS.COM site
  • To identify and resolve technical problems concerning HOWLAND INTERNATIONAL, INC.’s site, products and services

HOWLAND INTERNATIONAL, INC. also uses personal information in an aggregate form (i.e., not individually attributable to you) for its business analysis, operational, marketing and other promotional purposes.

4. Limiting the Collection of Personal Information

HOWLAND INTERNATIONAL, INC. limits its collection of personal information to only that information which is necessary for the Identified Purposes. HOWLAND INTERNATIONAL, INC. does not direct its site to, nor does it knowingly collect any personal information from children under the age of thirteen.

When you visit the HOWLAND INTERNATIONAL, INC. web site, a cookie may be placed on your computer or the cookie may be read if you have visited the HOWLAND INTERNATIONAL, INC. site previously. HOWLAND INTERNATIONAL, INC. uses cookies to allow HOWLAND INTERNATIONAL, INC. to determine which products and services you have already purchased so that HOWLAND INTERNATIONAL, INC. does not provide redundant information to you. If you choose to not have your browser accept cookies from the HOWLAND INTERNATIONAL, INC. web site, you may not be able to view all the text on the screens, or to experience a personalized visit, or to subscribe to certain service and product offerings on the HOWLAND INTERNATIONAL, INC. site.

5. Disclosure, Processing and Retention

HOWLAND INTERNATIONAL, INC. does not sell, rent or disclose your personal information to anyone else.

In addition, as we continue to develop our business, we may sell or buy other businesses or entities, or we may merge with another company. In such transactions, personal information may be one of the transferred business assets. Also, in the event HOWLAND INTERNATIONAL, INC. or substantially all of its assets are acquired, your personal information may be one of the transferred assets.

6. Security Safeguards

HOWLAND INTERNATIONAL, INC.  will use reasonable efforts to protect customers’ personal information

7. Links to third party Websites

From time to time we may include links on this site for your use and reference. We are not responsible for the privacy policies on these websites. You should be aware that the privacy policies of these sites may differ from our own.