Terms & conditions.

Clear expectations for digital products and purchase access.

Prelaunch terms. Seller details and final policies require review before live sales.

Digital products

LUMIVOZA supplies downloadable files. No physical goods are shipped. Microsoft Excel is not included. Read the product description and compatibility notes before buying. The current Excel products use .xlsx files without macros; desktop Excel compatibility is awaiting final testing.

Your license

A purchase grants personal use of the downloaded products. You may edit your copies for your own needs. Do not resell, redistribute or publish the files or share purchase access. No recurring product subscription is charged.

Payment and access

Prices are displayed in INR. The server confirms the charged amount and verifies payment before providing downloads. A success screen alone does not grant access. Download links expire for security; sign in again to obtain a new link. Checkout remains in test mode during development.

Workbook use

Keep backup copies before editing or starting a new month. Formula protection helps prevent accidental edits; it is not encryption. Finance Tracker is an organizational template and does not provide financial advice.

Support and refunds

See the Refund Policy and Contact pages for purchase issues. These terms do not remove rights available under applicable law.