Terms of Sale

Effective October 22, 2026 · Last updated: October 22, 2026

1. Who is selling

LUMENOR™ is a business operated by Michael Vallerand, a self-employed sole proprietor based in Saint-Georges, Québec, Canada. Books and tools are published under the author name M.V. Lumen. Questions: [email protected] · +1 418 225-6373.

2. Products and delivery

LUMENOR™ sells digital goods: Excel workbooks, ebooks and guides. Delivery is by download immediately after payment, through the store used for the purchase (Stripe payment link, Payhip or Gumroad). Printed books (paperback and hardcover) are sold and shipped by Amazon: Amazon's terms apply to those purchases.

3. Prices and taxes

Prices are shown in the currency of the chosen edition and store (US or Canadian dollars, depending on the edition). Applicable taxes (GST/QST or local sales taxes) are calculated and collected by the payment platform where required by law. The amount confirmed at checkout is the final amount.

4. Payment

Payments are processed securely by Stripe, Payhip or Gumroad. LUMENOR™ never receives, sees or stores credit card numbers.

5. License

Buying a digital product grants you a license to use it — it does not transfer ownership of the product or its content. Files may not be resold, redistributed or shared publicly.

6. Refunds

Our policy is detailed on the Refunds & Cancellations page: in short, a full refund within 14 days if a digital product is defective or substantially not as described.

7. Custom services

Custom work (workbooks, video editing, data cleanup) starts after written confirmation of a quote by email and payment of the agreed deposit. The balance is due on delivery. Timelines communicated are good-faith estimates; any delay is flagged to you promptly. Cancelling a project is governed by the Refunds page.

8. Subscription apps

LUMENOR ERP Cloud and LUMENOR Maple Cloud are offered as monthly or annual subscriptions billed through Stripe. Subscriptions renew automatically until cancelled by the customer; cancellation takes effect at the end of the period already paid.

9. Affiliate program

LUMENOR™ pays a 40% commission on eligible sales made through affiliate links, administered by Gumroad or Payhip depending on the program. The platform's terms apply, commissions on refunded sales are reversed, and LUMENOR™ may amend or end the program with reasonable notice.

10. Educational nature and liability

LUMENOR™ content is published for educational purposes. Books and tools are aids to analysis and decision-making; they are not financial, accounting or legal advice, and they carry no guarantee of returns. LUMENOR™'s liability for any product is limited to the amount paid for that product.

11. Governing law

These terms are governed by the laws of Québec and Canada. Nothing in these terms removes any right granted to consumers under Québec's Consumer Protection Act.

12. Changes

LUMENOR™ may update these terms; the version published on this page is the one in force. Purchases are governed by the version in force at the time of purchase.