All items are shipped with in 3-7 buisness days after payment is recieved and cleared, unless your item is on back order. We accept Pay Pal , Money order , cashier check and personal check. Please note Embroidery Software , Design Packs , and wining auctions are not returnable or refundable . Insurance is always optinal. We are not responsible for any lost items due to not purchasing insurance. If you have any questions please ask before bidding.