Download questions

Hello! I'm selling just one downloadable manual and I was wondering if anyone knew what this meant in the Zen Admin:

EDITING DOWNLOAD INFORMATION
Product: A Handbook for Relative Caregivers in California 2009- TEST
Model:

Edit the Download information:

Filename: dfadfada

Max Days: 0

Max Downloads: 1

Is this for the individual person or the store in general.

I would really love help just setting up a store where they buy only 1 download and are only allowed to download it once.

Does this mean I put Max Downloads to 1?

This was in the Downloads Manager in the Admin panel

Thank you.

ALSO! My client has set up a separate business account through her credit union. Does anyone know, in easy terms, how to connect it to the store? I need to only accept credit and debit cards and have the money go into her business account..

PLEASE HELP SOON!!! THANK YOU!