I don't think that Intuit can access any users computer without explicit, or implied consent. In fact, I believe it would be illegal under federal regulations to do so and by following the instructions to not set QBD to connect to the internet as FlyingKiwi points out one has removed any claim of implied consent. Now, I haven read through the EULA which may have provisions that overwright all of the above, but let's leave it at that for the moment. However, if a user clicks on something like "add services" or "upgrade to premium" that does reset the "no Internet connection" setting opening QBD to the Internet and potentially Intuit snooping via the notorious "Log in to your Intuit account" command.