If you are using a Developer account or a script-renewed E5 trial, you do not own the license. If Microsoft decides to audit and close the loophole, your access to Word, Excel, and OneDrive disappears instantly. If your data is locked behind a deactivated account, there is no customer service number to call.

"I see this constantly," says a moderator of a separate tech support forum. "A user buys a 'lifetime' key, and it works perfectly—for six months. Then Microsoft runs an audit, realizes the key is assigned to an inactive corporate email or a fired employee, and deactivates it. The seller is long gone."

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