Trend Micro software will not download Is it because we have the XP operating system Windows is updated

Hello brucefran and welcome to the community! 

You are correct, the reason why you cannot install the latest version of the Trend Micro program. To know more about Windows XP and our program, you can read what's on the article below: 
Trend Micro's official statement for Windows XP's Consumer End of Support (EOS)

I hope this helps. 

Have a wonderful day! 

Trend Micro Home User Community

So, are you going to return my money? I used a debit card to pay for it on 2/1/2018. I have another debit card now.