Effective Date: January 1, 2024 | Last Updated: May 11, 2026

1. Introduction

Marlow Financial Services, LLC ("we," "our," or "us") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

2. Information We Collect

We may collect and process the following types of information:

• Personal Identification Information: Name, email address, phone number, postal address, and other identifiers by which you may be contacted online or offline.

• Financial Information: Details related to your financial status, tax information, and other data necessary to provide our services.

• Usage Data: Information on how you interact with our website, including IP addresses, browser types, referring/exit pages, and other usage information.

• Client Communications: Information from your communication with us, including emails, phone calls, and other correspondence.

3. How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain our services.

• Process your transactions and manage your account.

• Communicate with you regarding your account or inquiries.

• Improve and personalize your experience on our website.

• Comply with legal obligations and protect our rights.

• Prevent fraudulent activities and enhance security.

4. Disclosure of Your Information

We do not sell, trade, or otherwise transfer your personal information to outside parties. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

5. Data Security

We implement a variety of security measures to maintain the safety of your personal information. These include encrypted data storage, secure access controls, credential management through enterprise password management systems, and regular security audits. However, no method of transmission over the internet or method of electronic storage is 100% secure.

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.

7. Your Rights

You have the right to:

• Access your personal information held by us.

• Request correction or deletion of your personal data.

• Object to the processing of your personal data.

• Withdraw consent where we are relying on consent to process your personal data.

To exercise these rights, please contact us at the email provided below.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track the activity on our website and hold certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our services.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review their privacy policies before providing them with your personal information.

10. Connected Applications and API Integrations

Marlow Financial Services operates internal applications that connect to third-party platforms through authorized APIs to provide accounting, tax preparation, and financial management services to our clients. These connected applications may access the following data:

• Customer names, contact information, and billing addresses

• Invoice, payment, and account balance records

• Transaction history and financial reporting data

• Tax organizer responses and uploaded documents

10.1 QuickBooks Online Integration

We connect to QuickBooks Online through Intuit's authorized API to manage client accounts, process invoices, track payments, reconcile records, and perform data maintenance. Data accessed through the QuickBooks Online API is used exclusively for legitimate business operations and client service delivery. Intuit's use of your data is governed by Intuit's own privacy policy, available at intuit.com/privacy.

10.2 Additional Platform Integrations

We may also connect to other platforms such as Karbon (practice management), StanfordTax (tax organizers), and other authorized services solely for the purpose of managing client work, delivering documents, and coordinating internal workflows. Data shared with connected platforms is limited to what is necessary for the specific business function and is governed by each platform's respective privacy policy and data handling agreements.

10.3 API Data Handling

All API communications are encrypted using HTTPS/TLS. API credentials are stored securely using enterprise password management. We do not sell, rent, or share any data accessed through API integrations with third parties for marketing or advertising purposes. Data accessed through connected applications is subject to the same retention, security, and rights policies described elsewhere in this Privacy Policy.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on our website. You are advised to review this Privacy Policy periodically for any changes.

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End-User License Agreement

Marlow Financial Services, LLC
Effective Date: May 11, 2026

1. Overview

This End-User License Agreement ("Agreement") governs the use of internal applications developed and operated by Marlow Financial Services, LLC ("MFS," "we," "our") for business operations, including applications that connect to QuickBooks Online, Karbon, StanfordTax, and other authorized platforms through their respective APIs. By accessing or using these applications, you agree to the terms of this Agreement.

2. License Grant

MFS grants authorized users a limited, non-exclusive, non-transferable license to use its internal applications solely for authorized business operations of Marlow Financial Services, LLC, including reading, reconciling, and managing financial data within connected platforms.

3. Restrictions

Users may not: (a) sublicense, sell, or distribute any application or its components; (b) modify, reverse-engineer, or create derivative works; (c) use any application for any purpose other than authorized MFS business operations; or (d) share access credentials with unauthorized individuals.

4. Data Usage

Applications access third-party platform data through authorized APIs. Data accessed is used solely for legitimate business purposes including client management, invoicing, reconciliation, tax preparation, and reporting. No customer data is sold or shared with third parties for marketing purposes. All data handling is subject to the Privacy Policy above.

5. Intellectual Property

All internal applications and associated intellectual property remain the exclusive property of Marlow Financial Services, LLC. QuickBooks and Intuit are registered trademarks of Intuit Inc. Karbon is a registered trademark of Karbon Inc. StanfordTax is a registered trademark of StanfordTax Inc.

6. Disclaimer of Warranties

Applications are provided "as is" without warranties of any kind, express or implied. MFS does not warrant that any application will be error-free or uninterrupted.

7. Limitation of Liability

MFS shall not be liable for any indirect, incidental, or consequential damages arising from the use of any application.

8. Termination

MFS may terminate this license at any time. Upon termination, users must cease all use of the applicable application.

9. Contact

If you have any questions about this Privacy Policy or End-User License Agreement, please contact us:

• Email: info@marlowfin.com

• Phone: (804) 441-8081