Terms of Service

These Terms of Service (“Terms”) form a binding legal agreement between you (“Subscriber” or “you”) and MarlowIQ (“MarlowIQ,” “we,” or “us”) governing your access to and use of the MarlowIQ platform, intelligence briefs, and related services (collectively, the “Service”) available at marlow-iq.com.

By creating an account, clicking “Accept,” or using the Service in any way, you agree to be bound by these Terms. If you are accepting on behalf of an organization, you represent that you have authority to bind that organization. If you do not agree, do not use the Service.

MarlowIQ is a commercial intelligence platform designed for life sciences commercial leaders. The Service includes:

• Curated intelligence briefs (weekly and on-demand) covering competitor activity, account signals, and market trends
• Account scoring (mIQ Score) based on publicly available clinical trial data, pipeline signals, and financial indicators
• Competitor profiling and growth scoring (mGS Score) derived from public filings, press releases, and synthesized analysis
• AI-assisted analysis via Ask Marlow, which processes platform data to answer commercial intelligence queries
• Geographic, benchmark, and opportunity prioritization tools

All intelligence is derived from publicly available sources, proprietary synthesis methodologies, and licensed third-party data. It is intended to assist commercial decision-making — not to constitute investment, legal, medical, or regulatory advice.

Subscription tiers. The Service is offered on a subscription basis. Current tiers are described on our pricing page. Features available on each tier are subject to change with reasonable notice.

Billing. Subscriptions are billed in advance — annually (upfront) or monthly (on a 12-month commitment basis) — via Stripe. All fees are in USD and exclusive of applicable taxes. You authorize us to charge your payment method on each renewal date.

Annual subscriptions. Annual subscriptions are non-refundable once paid. You may cancel auto-renewal at any time; cancellation takes effect at the end of the current billing period.

Monthly subscriptions. Monthly subscriptions are on a 12-month minimum commitment. Canceling before the end of the commitment period does not waive the remaining balance.

Price changes. We may change subscription prices with at least 30 days’ written notice. Continued use after the effective date constitutes acceptance of the new price.

Failed payments. If a payment fails, we may suspend access to the Service until the outstanding balance is resolved. We will notify you at the email address on file before suspending access.

Taxes. You are responsible for any sales, use, VAT, or similar taxes applicable to your subscription in your jurisdiction.

You agree to use the Service only for lawful commercial intelligence purposes consistent with these Terms. You must not:

• Share, resell, or sublicense access to the Service or its outputs without our prior written consent
• Reproduce or redistribute intelligence briefs, scores, or platform content for commercial purposes outside your organization
• Use automated means (scrapers, bots, crawlers) to access or extract Service data
• Attempt to reverse-engineer, decompile, or derive the source code or proprietary methodologies of the Service
• Use the Service to build a competing product or service
• Impersonate another person or misrepresent your affiliation with any organization
• Introduce malware, viruses, or harmful code into the Service
• Use the Service in any way that violates applicable law, including securities regulations, data protection laws, or export controls

Single-user licenses are for individual use only. Sharing login credentials across multiple individuals is prohibited. Team or enterprise access requires an appropriate tier.

Our IP. The Service, including its design, software, scoring methodologies, brand, intelligence frameworks, and all content we produce, is owned by MarlowIQ or its licensors and protected by copyright, trade secret, and other intellectual property laws. These Terms do not grant you any ownership rights.

License to you. Subject to your compliance with these Terms and timely payment of fees, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal commercial intelligence purposes during your subscription term.

Your content. You retain ownership of documents and materials you upload to the Service (“User Content”). By uploading User Content, you grant us a limited license to process it solely for the purpose of providing the Service to you. We will not use your User Content to train AI models or share it with third parties except as required to provide the Service.

Feedback. If you provide feedback or suggestions about the Service, we may use them without restriction and without obligation to you.

Our collection and use of your personal data is governed by our Privacy Policy, incorporated here by reference. By using the Service, you consent to the data practices described in the Privacy Policy.

Platform data. Intelligence data displayed in the Service is derived from public sources and licensed datasets. It is provided for informational purposes. We make reasonable efforts to ensure accuracy but do not warrant the completeness, timeliness, or fitness for any particular purpose of any intelligence content.

Confidentiality. Each party agrees to hold the other’s confidential information in strict confidence and not disclose it to third parties without prior written consent. This obligation does not apply to information that is publicly available, independently developed, or required to be disclosed by law.

MarlowIQ provides commercial intelligence tools and synthesized analysis — not investment, financial, legal, medical, or regulatory advice. The mIQ Score, mGS Score, and other metrics are proprietary models based on publicly available data and involve assumptions and estimations that may be incorrect.

You are solely responsible for all decisions you make based on information from the Service. MarlowIQ is not liable for any commercial, financial, or strategic decisions made in reliance on platform content.

Clinical trial data is sourced from ClinicalTrials.gov and updated periodically. It may not reflect the most current status of any given study.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, MARLOWIQ DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL MARLOWIQ, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY TO YOU ARISING OUT OF OR RELATED TO THESE TERMS WILL NOT EXCEED THE TOTAL FEES PAID BY YOU TO MARLOWIQ IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

You agree to indemnify, defend, and hold harmless MarlowIQ and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your User Content; or (d) your violation of any third-party rights.

Term. These Terms remain in effect for as long as you maintain a subscription or account with MarlowIQ.

Termination by you. You may cancel your subscription at any time via account settings or by contacting us at marlow@marlowiq.com. Cancellation does not entitle you to a refund of prepaid fees.

Termination by us. We may suspend or terminate your access immediately if: (a) you breach these Terms and fail to cure within 10 days of notice; (b) your payment fails and is not resolved within 7 days; (c) we reasonably believe your use poses a legal, security, or reputational risk; or (d) we discontinue the Service.

Effect of termination. Upon termination, your license to use the Service ends immediately. We may delete your account data 30 days after termination. Sections 5, 6, 7, 8, 9, 10, 13, and 14 survive termination.

Service changes. We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time with reasonable notice where practicable. We will not materially reduce core functionality during an active subscription term without offering a pro-rated refund.

Terms changes. We may update these Terms at any time. We will notify you of material changes by email or by posting a notice on the Service. Continued use after the effective date of revised Terms constitutes acceptance. If you object to a material change, your sole remedy is to cancel your subscription.

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Any dispute arising under or related to these Terms that cannot be resolved informally will be submitted to binding arbitration in accordance with the rules of the American Arbitration Association, with proceedings conducted in English. The arbitration will take place in Delaware. You waive any right to a jury trial or to participate in a class action.

Notwithstanding the above, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent irreparable harm.

Entire agreement. These Terms, together with the Privacy Policy and any order form or subscription agreement, constitute the entire agreement between you and MarlowIQ regarding the Service and supersede all prior agreements.

Severability. If any provision is found unenforceable, the remaining provisions remain in full effect.

Waiver. Failure to enforce any provision does not constitute a waiver of that provision.

Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

Force majeure. Neither party is liable for delays or failures caused by circumstances beyond its reasonable control, including acts of God, internet outages, or government actions.

No agency. Nothing in these Terms creates a partnership, joint venture, or agency relationship between the parties.

Contact. For legal notices or questions about these Terms, contact us at: marlow@marlowiq.com