"On the other hand, QuickBooks will send any part of the file back to Intuit if you have a merchant account. The data is sent back because we need to verify and secure your transactions for customers who use online payments. A confirmation will appear with details on how we'll keep your customer's data. If you don't have a merchant account, the data will be stored in our server with multi-layered security."

This would appear to indicate QB is uploading users' data to Intuit no matter what. Please clarify.