Terms and conditions
Effective date: October 27, 2026
These Terms and Conditions (“Terms”) govern your use of this website and your purchase of digital products from ZOEDEB SERVICES LLC, doing business as Luminous Business Hub (“Luminous Business Hub,” “we,” “us” or “our”). By using the website or placing an order, you agree to these Terms. If you do not agree, please do not use the website or buy our products.
1. Eligibility
You must be at least 18 years old, or the age of majority where you live, to place an order. By ordering, you confirm that you have the legal capacity to enter into a binding contract.
2. Products
We sell digital spreadsheet templates only. No physical goods are shipped. Product pages describe each template as accurately as we can, including the formats included and the software required. Screenshots are for illustration, and the product you receive may contain different sample data.
3. Orders and acceptance
Placing an order is an offer to buy. A contract is formed when we confirm payment and make the download available. We may decline or cancel an order, for example where we suspect fraud, an unauthorized payment or a pricing error. If we cancel, we will refund any amount charged.
4. Pricing, payment and taxes
- All prices are in US dollars (USD) and shown before you pay.
- Payments are processed by third-party providers such as Stripe and PayPal. Their terms and privacy policies apply to the payment. We do not store your full card details.
- Applicable sales tax, VAT or similar taxes are calculated and shown at checkout where we are required to collect them.
- You agree to provide accurate billing information and to use only payment methods you are authorized to use.
5. Delivery
Digital products are delivered electronically as described in our Digital delivery policy.
6. License and intellectual property
All templates, text, designs, logos and website content are owned by ZOEDEB SERVICES LLC or its licensors and are protected by U.S. and international copyright and trademark laws. Your purchase grants a limited license, described in our License agreement. No other rights are granted.
7. Refunds and cancellations
Because digital products are delivered instantly and cannot be returned, orders cannot be canceled once the download is available. Refunds are handled under our Refund policy.
8. Acceptable use
You agree not to:
- Resell, share, distribute or publicly post our files, in original or modified form
- Use the website to violate any law or the rights of others
- Attempt to gain unauthorized access to the website, its servers or other users’ data
- Introduce malware or interfere with the website’s operation
- Use automated tools to scrape the website without our written permission
9. No professional advice
Our templates are general-purpose tools and do not provide financial, legal, tax, accounting, audit, HR or compliance advice. See our Disclaimer.
10. Disclaimer of warranties
To the fullest extent permitted by law, the website and products are provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the files will be error-free or meet your specific requirements. Nothing in these Terms limits any warranty that cannot be excluded under applicable law.
11. Limitation of liability
To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, data or business opportunities, arising from your use of the website or products. Our total liability for any claim relating to a purchase is limited to the amount you paid for that product. Some jurisdictions do not allow certain limitations, so these may not apply to you.
12. Indemnification
You agree to defend and indemnify us against claims, losses and expenses (including reasonable attorneys’ fees) arising from your breach of these Terms or your misuse of the products.
13. Governing law and disputes
These Terms are governed by the laws of the State of New Mexico and applicable U.S. federal law, without regard to conflict-of-law rules. Before filing any claim, you agree to contact us and try to resolve the dispute informally for at least 30 days. Any claim that is not resolved will be brought in the state or federal courts located in New Mexico, and you consent to their jurisdiction.
14. Third-party services and links
The website may link to third-party sites or use third-party services such as payment processors. We are not responsible for their content or practices.
15. Changes to these Terms
We may update these Terms from time to time. The effective date above shows the latest version. Continued use of the website after changes means you accept them. Changes do not affect orders already placed.
16. General
If any provision is found unenforceable, the rest remains in effect. Our failure to enforce a right is not a waiver. These Terms, together with our other published policies, are the entire agreement between you and us about your purchase.
17. Contact
Questions about these Terms: write to ZOEDEB SERVICES LLC, 102 Gold Ave SW, Albuquerque, NM 87102, United States.