We are using the cloud version of Jira with Confluence. Our project is temporary lockdown.
Tell me please, if I make and download backup copies, can I restore them later, taking into account that we will not make payments for a some time?
You can make a backup and then restore it to the account or a different account later. You might look at keeping the space active and moving it to a free account by removing licensed users from the account. This might be a better option. I would suggest contacting support to see what they would recommend based on the duration you will have the project on hold. https://support.atlassian.com/contact/
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